Michael McAvene, Independent Insurance Agent

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Michael McAvene, Independent Insurance Agent Protecting the life you’re building
🔗Auto • Home •Life • Business Insurance
📍Indiana
⚾ Former Pro Baseball Player → Insurance Agent

🏡 Buying your first home? Here’s a piece of advice I wish more homeowners knew!When purchasing a home, there’s a lot of ...
27/10/2026

🏡 Buying your first home? Here’s a piece of advice I wish more homeowners knew!

When purchasing a home, there’s a lot of focus on the down payment, closing costs, and monthly mortgage payment. But one thing that often gets overlooked? Your emergency fund and insurance deductible!

💡 Here’s something to consider: Choosing a higher insurance deductible could actually help lower your monthly premiums. That extra money could go toward building your emergency savings!

But here’s the important part: Saving money each month only makes sense if you can comfortably afford your deductible when the unexpected happens.

Whether you’re a first-time buyer or you’ve owned your home for years, understanding your coverage and knowing your options can make a big difference!

My goal isn’t just to help you find affordable insurance. It’s to help you make informed decisions and feel confident in your coverage.

📲 Have questions or wondering if your current policy is the right fit? I’d be happy to review your options and see where we might be able to save you some money!

Michael McAvene | Lloyd Insurance Inc.

🏡 Buying your first home? Don’t forget about your emergency fund!Buying a home is exciting, but it’s important to prepar...
23/10/2026

🏡 Buying your first home? Don’t forget about your emergency fund!

Buying a home is exciting, but it’s important to prepare for the unexpected, too. One thing every homeowner should plan for is having money set aside to cover insurance deductibles when something goes wrong.

💡 Here’s something worth considering:

Lower insurance deductibles typically mean higher monthly premiums. By choosing a slightly higher deductible, such as $2,500 or even $2,500/$5,000 deductibles where applicable, you may be able to lower your monthly insurance costs and put that extra money toward building your emergency fund.

The key is finding the right balance! You want to save on your monthly premiums while making sure you have enough set aside to comfortably cover your deductible if you ever need to file a claim.

Whether you’re buying your first home or you’ve owned one for years, I’d be happy to walk you through the process, explain your options, or review your current coverage to see if we can put a little more money back in your pocket each month. 💰

A little planning today can make a big difference when the unexpected happens!

📩 Feel free to reach out anytime. I’m always happy to help!

— Michael McAvene | Lloyd Insurance Inc.

Writing the policy is only the beginning.Recently, one of my clients was having trouble getting in contact with their ad...
24/09/2026

Writing the policy is only the beginning.

Recently, one of my clients was having trouble getting in contact with their adjuster about an active claim. After trying to get answers on their own, they reached out to me.

I was able to step in, connect with the adjuster, and help get things moving again.

I can’t promise that every claim will be simple, but I can promise my clients won’t be left wondering who they can call when they need help.

That’s the kind of insurance agent I want to be.

If you’re not sure you have that relationship with your current agent, let’s talk.

— Michael

If you’re swinging hammers for a living, make sure your policy swings just as hard. A lot of contractors I talk to are c...
02/04/2026

If you’re swinging hammers for a living, make sure your policy swings just as hard. A lot of contractors I talk to are carrying the minimum — and that’s a risk I wouldn’t take. Swipe to see what’s commonly missing
📋 Free commercial review
DM me directly

A client said this to me recently:“You were the only insurance agent who actually answered the phone.”In a world of auto...
10/03/2026

A client said this to me recently:
“You were the only insurance agent who actually answered the phone.”

In a world of automated systems and long hold times, sometimes people just want a real person who picks up and helps.

That’s always my goal.

— Michael McAvene
Lloyd Insurance Inc.

What to do after a small accident? Swipe to see the 5 steps, when in doubt give me a call. Michael McAvene Insurance Age...
12/02/2026

What to do after a small accident? Swipe to see the 5 steps, when in doubt give me a call.

Michael McAvene
Insurance Agent
Lloyd Insurance Inc.
317-670-4398

29/01/2026

Here at Lloyd Insurance: We keep insurance simple—and actually tailored to you.

🏠 Home Insurance – Protects your house, belongings, and peace of mind
🚗 Auto Insurance – Coverage that fits your life, not a one-size-fits-all policy
🏢 Business Insurance – Protects your income, assets, and operations
❤️ Life Insurance – Offered through our company to help protect your family’s future

One agent. One strategy. Multiple policies working together to save you money and avoid coverage gaps.

If you’re guessing on insurance, you’re exposed.
Let’s review what you have and make sure it’s set up correctly!

📩 DM “QUOTE” to start the conversation.

Most people think insurance shopping is about price.Sometimes it is... but more often, it’s about protection gaps you do...
21/01/2026

Most people think insurance shopping is about price.
Sometimes it is... but more often, it’s about protection gaps you don’t even know exist!

This client didn’t save money by switching.
They saved themselves from a denied claim.

If you want a second set of eyes on your policy,
even if you’re not switching today — message me.📲

Most people choose insurance based on price alone.I get it, saving money matters. But the cheapest policy isn’t always t...
20/01/2026

Most people choose insurance based on price alone.
I get it, saving money matters. But the cheapest policy isn’t always the right one. Low premiums often mean gaps you don’t see until it’s too late.

Coverage > Cost.
Real coverage = real peace of mind. A solid policy should protect:
• Your home
• Your income
• Your future

Before you buy, ask this:
• What’s actually covered?
• What’s not covered?
• How fast are claims paid?
• Will this protect me if that happens?
• What will I pay out of pocket if I file a claim?

I’m here to help you make sure your coverage actually does its job.
Message me to review your policy and see where you may be exposed.

— Michael McAvene

16/01/2026

Your house isn’t just four walls and a roof.
It’s mornings, memories, and everything you’ve built inside it.

Home insurance isn’t about the structure, it’s about protecting the life that happens there.

If you haven’t reviewed your coverage in a while, this is your sign.

Don’t guess. Let’s make sure your home is actually protected.
DM me “ HOME” and I’ll review your coverage.

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