Frequently Asked Questions – Montoya Insurance Group, LLC

Yes. Indiana law requires drivers to carry minimum liability coverage. We recommend additional protection for medical payments, uninsured motorists, and collision damage — especially for drivers in Danville and Brownsburg.

Standard home insurance in Indiana doesn’t cover flood or sewer backup. We offer optional flood insurance and water backup endorsements for complete protection.

Absolutely. Bundling your home and auto insurance in Indiana often leads to better coverage and lower premiums. We’ll help you compare bundle options from multiple carriers.

Umbrella insurance adds extra liability protection beyond your home, auto, or rental policies. It’s especially important for Indiana families with assets to protect.

Yes. Your landlord’s policy only covers the building — not your belongings or liability. Our renters insurance in Indiana protects your personal property and provides peace of mind.

Most Indiana businesses need general liability coverage and workers’ compensation if they have employees. Requirements can vary based on your industry.

Yes — if you use a vehicle for business purposes in Indiana, personal auto insurance typically doesn’t provide adequate coverage. Commercial auto insurance is the right choice.

We specialize in helping Indiana contractors such as electricians, plumbers, roofers, and general trades. We provide liability, tools/equipment, and jobsite coverage.

Yes — we offer high-risk commercial insurance in Indiana through specialty carriers for businesses that need custom or E&S (Excess & Surplus) coverage.

A BOP bundles general liability and commercial property insurance — perfect for small businesses in Danville, Brownsburg, and throughout Indiana.

We provide term life, whole life, and family life insurance options. Our agents will help you choose the best policy for your goals and budget.

Yes — starting early can lock in better rates and protect loved ones financially in case of the unexpected. Life insurance is a smart step at any age.

Many life insurance policies are flexible. We’ll help you understand your options and adjust as your life evolves — from marriage to kids to retirement.

We offer a range of surety bonds, including contractor bonds, license & permit bonds, and more for businesses and individuals across Indiana.

Many bond approvals are available same-day, especially for common requests. Our team will walk you through the process with quick turnaround and clear steps.

Yes. If you’re in a higher-risk industry or need special licensing, we can help secure the right contractor bond in Indiana.

Yes. As an independent agency in Danville, IN, we work with multiple carriers to find the best coverage and pricing for your needs — no one-size-fits-all plans.

Absolutely. We’re proud to be a veteran-owned, female-led, family-run business serving the entire state of Indiana since 1987.

Our office is in Danville, and we serve clients across Brownsburg, Hendricks County, and throughout the entire state of Indiana.

You can call, email, or fill out a quote form on our site — and you’ll speak directly with a real member of our Indiana-based team.