Protecting Your Home and Budget

Homeownership is one of life’s most rewarding experiences, but it comes with responsibilities—chief among them is protecting your home with insurance. At Oakwood Mutual Insurance, we understand that homeowners want to balance comprehensive coverage with affordability. That’s why we’re committed to helping our policyholders across Indiana save on insurance costs without sacrificing protection. With smart strategies, a local focus, and personalized support from our independent agents, saving money while safeguarding your most significant investment is easier than you think.

Local Expertise That Makes a Difference

When it comes to insurance, having the right guidance can make all the difference. Oakwood Mutual works exclusively with independent agents who live and work in the communities they serve. These agents aren’t just professionals—they’re your neighbors. They understand Indiana’s unique risks, like rural fire safety concerns, severe weather patterns, and even localized insurance trends. This deep community knowledge allows them to recommend policies that fit your lifestyle, helping you avoid overpaying for unnecessary coverage while still meeting your needs.

Independent agents go beyond selling insurance—they’re advocates who shop for the best deals, find hidden discounts, and explain your coverage in terms you can understand. By partnering with a local agent, you gain access to their expertise and their dedication to your well-being. This personalized approach saves homeowners both time and money, while also strengthening the bond between Oakwood Mutual and the communities we serve.

Bundle and Save with Oakwood Mutual

One of the simplest and most effective ways to save on insurance is to bundle your policies. Combining your home insurance with other coverages, like auto or farm insurance, not only streamlines your account management but can also lead to significant discounts.

Oakwood Mutual’s bundling options in partnership with Grinnell are designed with Indiana homeowners in mind. For families juggling multiple insurance needs—whether it’s protecting their vehicles, homes, or farming equipment—bundling offers an easy and affordable solution. By working with your independent agent, you can tailor your bundle to fit your specific circumstances, ensuring you get maximum value while maintaining top-tier coverage.

Home Safety Upgrades That Save

At its core, insurance is about managing risk, and the safer your home, the lower your premiums. Proactive upgrades like installing monitored security systems, smoke detectors, and carbon monoxide alarms can significantly reduce the likelihood of a claim. Homes with security systems are 60% less likely to experience a break-in, according to the Electronic Security Association, and many insurance providers, including Oakwood Mutual, offer discounts for such upgrades.

We reward policyholders who invest in making their homes safer. From reinforcing roofs to upgrading plumbing systems or adding storm shutters, these improvements not only protect your home but also lower your premiums. Additionally, your local independent agent can help you identify which upgrades provide the most cost savings, ensuring you maximize the return on your investment.

Adjusting Your Deductible for Long-Term Savings

Choosing the right deductible can have a significant impact on your insurance premiums. Your deductible—the amount you agree to pay out of pocket before your insurance kicks in—directly affects your monthly payments. Opting for a higher deductible often means lower premiums, making it an excellent choice for homeowners who rarely file claims. For instance, increasing your deductible from $500 to $1,000 can lower premiums by up to 15%.

However, it’s essential to strike the right balance. While higher deductibles reduce monthly costs, you’ll need to ensure you’re financially prepared to cover a larger out-of-pocket expense in case of a claim. Our independent agents work with you to find the sweet spot that aligns with your budget and risk tolerance. This personalized approach helps homeowners save money in the long run while maintaining the peace of mind that comes with comprehensive coverage.

Regular Insurance Reviews: A Simple Step to Save

Life changes, and so should your insurance. From home renovations to new purchases, major life events can affect your coverage needs. That’s why an annual insurance review is one of the most effective ways to ensure you’re not overpaying for outdated coverage—or underinsured for new risks. A study by the National Association of Insurance Commissioners found that 59% of homeowners haven’t reviewed their insurance policies in the last year, potentially leaving money on the table or gaps in coverage.

With Oakwood Mutual, annual reviews are more than just a policy check—they’re an opportunity to uncover savings and optimize your protection. Your local independent agent will work with you to assess changes in your home, reflect on major purchases, and verify that your policy limits still align with current replacement costs. By staying proactive, you can avoid unnecessary claims, reduce your premiums, and ensure your policy grows with your needs.

Protect Your Home and Save Money Today

Saving money on home insurance doesn’t mean compromising on coverage—it means making informed decisions, investing in proactive measures, and partnering with a company that puts your needs first. At Oakwood Mutual, we’re here to help Indiana homeowners protect their homes and budgets with comprehensive, affordable insurance solutions.

Whether it’s bundling policies, upgrading home safety, or working with a trusted independent agent, there are countless ways to save without sacrificing peace of mind. Contact your local Oakwood Mutual agent today for a personalized insurance review and discover how you can start saving while ensuring your home is protected for years to come.