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By: Stewart P.
Lademan Insurance Agency
I have used Lademan for my insurance needs for many year. Nick has helped me with three of my kids beginning to drive and all the coverage we need to do this economically. He has helped us with homeowners insurance, motorcycle insurance and even our camper. He helps find the policy that meets all of our needs. He is available when we need him. I would recommend him to anyone looking to get a fair deal on their insurance needs.
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By: Jay R.
Lademan Insurance Agency
Nick worked hard very hard to find me the best rates and even had me insured more than I knew when I had a basement flood . Highly recommend !!
Tips & Advices
Yes, they can cancel policies and also choose not to renew policies once they expire. This can happen for a variety of reasons:
  • Failure to pay premiums
  • Giving false information to an insurer
  • Failure to meet fire or security codes or other recommendations
  • Failure to meet established safety guidelines, like removing pools or trampolines
  • Filing too many claims
  • Failure to repair home damage that protects from needing to filing claims
  • Increase in criminal activity within your neighborhood area
No, homeowners insurance is a nondeductible expense. The only case in which it’s not is if part of the home is used home for business, then the square footage used for that purposes could be deductible.
Without homeowners insurance, you may be fully responsible for the costs of repairing damages to a home and for replacing belongings that get damaged or stolen. Also when applying for a home loan, most banks require that borrowers have home insurance. Banks treat these loans as investments and home insurance acts as a protection of these investments.
Earthquakes, floods, tornados, and other natural disasters are not typically covered by home insurance--there are separate insurance coverages for them that can be purchased.
It does not cover anything dealing with vehicles or items within vehicles. Protection from natural disasters is also rarely covered automatically.

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