Embrace the crisp autumn vibes with pumpkin spice and carving—it's the perfect season for a fresh start! Contact my team today for a personalized insurance plan covering auto, home, life, renters, business, boat, motorcycle, and pet insurance just for you.
Welcome to Dominic Candeloro State Farm in Crown Point!
Hi there! I'm Dominic, and I've been proud to serve Crown Point and the greater Lake County area for years now. What I love about this community is how diverse and thriving it is – from Crown Point's tree-lined neighborhoods (home to about 34,000 of our neighbors) to the bustling communities throughout Lake County where nearly half a million people call home.
Living and working here means I really get what matters to folks in Northwest Indiana. Whether you're dealing with those unpredictable Midwest weather patterns or summer adventures on the lake, I understand the insurance challenges that come with life in our corner of Indiana.
Let's Talk About Your Insurance Needs
Every person who walks through my door has a different story, different priorities, and different things they need to protect. That's why I don't believe in one-size-fits-all insurance packages.
Auto Insurance That Makes Sense
Here's something that might surprise you – Indiana drivers actually pay less for basic auto coverage than most of the country, with minimum coverage running around $407 a year. The not-so-great news? About one in eight drivers around here don't have insurance at all.
That's exactly why I always talk to people about uninsured motorist coverage. Sure, it costs a bit more, but when you're dealing with someone who shouldn't be on the road in the first place, you'll be glad you have it.
When we sit down to discuss your auto insurance, we'll look at:
• What Indiana actually requires (and trusts me, it's pretty basic)
• Your driving history and what kind of car you drive
• Whether you need coverage for rideshare driving or that classic car in your garage
Protecting Your Home Sweet Home
The median home value in Lake County hit about $214,700 last year, and with over 70% of folks here owning their homes, I see a lot of people who want to make sure their biggest asset is properly protected.
Homeowners insurance in Indiana runs about $2,384 a year on average, though I've noticed cost creeping up lately – we've seen about a 16% increase since 2021. It's one of those things where you hope you never need it, but when a storm rolls through or something unexpected happens, you're really glad it's there.
Here's what I always tell people: make sure your coverage amount actually reflects what it would cost to rebuild your home today, not what you paid for it or what it's worth on the market. Those are three completely different numbers.
Life Insurance – Let's Keep It Simple
Nobody likes thinking about life insurance, but it's one of those things that shows you really care about your family's future. For a healthy 35-year-old here in Indiana, a half-million dollar policy for 20 years might cost around $360 a year for men, $305 for women.
The thing about life insurance , it only goes up as you get older, so if you're on the fence, sooner is definitely better than later.
Renters Insurance – Yes, You Really Need It
I get this question all the time: "My landlord has insurance, so I'm covered, right?" Wrong! Your landlord's policy covers the building, but if someone breaks in and steals your TV, laptop, and jewelry, that's on you.
Renters insurance here in Indiana runs about $269 a year – that's roughly $22 a month. For the cost of a couple of pizzas, you can protect everything you own, plus get liability coverage if someone gets hurt in your apartment.
Business Owners, I've Got Your Back Too
Running a business in Lake County isn't easy – I should know, since I'm doing it myself! Whether you're running a shop in downtown Crown Point or managing a service business across the county, you need protection that actually makes sense for what you do.
Some of the business coverage options we might talk about:
• Business Owner's Policies that bundle property and liability
• Commercial auto if you've got work vehicles
• Workers' comp (because accidents happen)
• Professional liability for advisors, doctors, and other service providers
Questions I Hear All the Time
"Why do you need to know so much about my personal life?" I know it feels intrusive, but here's the thing – the more I know about your situation, the better I can match you with coverage that actually fits your life and budget. Your driving record, the kind of car you drive, even whether you're married all factor into your cost.
"Is bundling really worth it?" Usually, yes! Most people save money when they bundle their auto and home insurance together. Plus, it's just easier to deal with one agent for everything.
"How much life insurance do I actually need?" That old rule about 6-8 times your income? It's a starting point, but everyone's situation is different. Do you have kids? A house? Big dreams for their college funds? We'll figure out what makes sense for your family.
When Life Happens
If you're in an accident, here's what you need to do:
1. Make sure everyone's okay and get to safety if you can
2. Exchange information with everyone involved
3. Take pictures of everything – the cars, the scene, even the weather conditions
4. Call the police if anyone's hurt or if there's significant damage
5. Call me! I'll walk you through the claims process
Why Choose Our Office?
Here's something you might not know – each State Farm office is independently owned. That means I'm not just an agent, I'm a local business owner who lives and works right here in Crown Point. When you call, you're not getting some call center – you're getting me and my team, people who know Lake County and care about this community.
We work with folks from Hobart to St. John, Knox to Schererville, and everywhere in between. State Farm is a mutual company, which basically means we answer to our policyholders, not shareholders on Wall Street.
Ready to talk about protecting what matters most to you? Give me a call and let's figure out what makes sense for your situation.
