Realty Executives 4.5

FREEVolume 4, Issue 3

NOW Serving 2 LocationsToll Free 877.861.5193

www.greensburgproperties.com

Your CLUE Insurance Reportmatters.... Page 14

Decatur/Rush County Edition

1228 Westridge PkwyGreensburg, IN 47240Office: 812-663-2255

101 N. Morgan St.Rushville, IN 46173

Office: 765-938-5888

FREEVolume 4, Issue 5

Maximum Results Inc.where the experts are™

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EXperience the Advantagesof Working with an EXecutive.

1228 Westridge Pkwy | Greensburg, IN 47240 | Office: 812-663-2255Toll Free: 877-861-5193 | Fax Number: 812-663-9754

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Christie Gard - Broker/OwnerPhone: 812-663-2255, ext. 5Cell: [email protected]

Donna Tewmey - Associate BrokerPhone: 812-663-2255, ext. 6

Cell: [email protected]

www.donnatewmey.com

Sarah Green - Associate BrokerPhone: 812-663-2255, ext. 10Cell: [email protected]

Jennifer Louden - Associate BrokerPhone: 812-663-2255, ext. 2

Cell: [email protected]

www.jenniferloudenrealtor.com

Ken Inscho - Realtor Sales AssociatePhone: 812-663-2255, ext. 4Cell: [email protected]

Greensburg Office

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EXperience the Advantagesof Working with an EXecutive.

101 N. Morgan St. | Rushville, IN 46173 | Office: 765-938-5888Fax Number: 765-938-5891

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Kathy DeanRealtor Sales AssociatePhone: 765-938-5888Cell Phone: 317-727-6184Email: [email protected]

Mark SpurlinRealtor Sales AssociatePhone: 765-938-5888

Cell Phone: 765-938-9301Email: [email protected]

Rushville Office

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EXecutive Homes

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515 SYCAMORE , GREENSBURG,BLC# 21219486Call Donna Tewmey @ 812-593-5846,Recently Updated. 2.29a W/Woods &Creek. 4 Bed/4.5 Bath Brick Home.FormalDining, Eat-In Kitchen W/Breakfast Nook,Walk-N Pantry,& Granite. Gas LogFireplace N Great Rm W/Custom BuiltBookshelves. Master Suite W/AmazingBath N Walk-N Closet. 3 Beds Up W/2Baths And Lg Bonus Rm. Walk-OutFinished Basement.

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1451 E MILLSTONE RD, WESTPORT $459,900BLC# 21165135,Call Jennifer @ 812-662-4018.Hybrid Log Home, 3422 sq. ft. Hand-Hewn White Pine with Dovetail Cornerssituated on 10.336 acre park setting.Multiple rear decks. Full 9’ Poured Walk-Out Basement, Three Car Finished Garagew/ Full Unfinished Upstairs…CustomElements both Inside and Out! Central toIndianapolis / Louisville / Cincinnati.www.jenniferloudenrealtor.comVirtual Tour: 1451wmillstonerd.eproptour.com/

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Executive HomesFOR MORE INFORMATION TEXT ALL CODES TO 85377*

4954 S CR 230 W, GREENSBURG $379,500BLC# 21165821, Call Jennifer @ 812-662-4018.Lakefront Executive Home, 3600 sq. ft. Custom BuiltTwo Story w/2 Master suites, 5 total Bedrooms & 4Baths. Brazilian Oak Floors, Custom Birch Cabinetry,Quartz Counter tops, Multiple Upgrades. Central toI n d i a n a p o l i s / C i n c i n n a t i / L o u i s v i l l e(Columbus/Greensburg/Batesville)Virtual Tour: http://2424tuliplane.eproptour.com/

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500 BAILI CT, GREENSBURG, $345,000,BLC# 21223687, Call Sarah Green @ 812-614-0997,Stunning Executive Home. Master suite w his & herbaths, Walk-in Closets & jacuzzi tub. Dbl sided gaslog fireplace in Great Rm. Workshop, plant rm, &storage garage in basement. New Hardwd flr in GreatRm, Living Rm & Laundry. New Granite Countertopsin Kitchen & Baths.

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5600 N CR 575 W, SCIPIO, $279,900,BLC# 21184840 Call Jennifer @812-662-4018,4796 sq. ft., 8+Acres,Stone/Sided Ranch w/ walkout Basement. 5beds, 3 baths. Upper beds w/new carpet,master bath w/new ceramic, hardwood flrs,stone double sided fireplaces. 2 CATC &detached garage w/storage rm plumbed forbath. www.jenniferloudenrealtor.com VirtualTour - http://5600ncr575.ePropTour.comPreviously on Jennings County Town &Country Home and Garden Tour.TEXT T659826 TO 85377

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1521 S MILL CROSSING DR, GREENSBURG,$229,900, BLC# 21183556 Call Christie Gard@ 812-593-5638, Ranch home w/ a walk outbasement!!! Open concept living w/ split floorplan. Mst suite is nice lrge size. Mst bathincludes dual sinks & tub/shower combo. Seplaundry rm w/ lots of cabinets. Great storagerm in basement along w/ full bath. NEW CAR-PET installed throughout main level.

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814 E MILLCREEK RD, GREENSBURG, $274,900BLC# 21220044, Call Christie Gard @812-593-5638, Custom Built Kennelly home.4bedrms 3 fulls bath & 2 half baths.Beautifulkitchen w/ eat in dining area that walks out toall vinyl deck. 2nd story mst bedroom w/his/her closets & a large spa like bath.Full fin-ished basement w/ wet bar, large family rm, &exercise rm.

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1568 W JORDAN DR, GREENSBURG, $225,000,BLC# 21223602, Call Donna Tewmey @ 812-593-5846, Great home-Great Location next togolf course. 3 bed/2.5 bath home. Grand 2story entry, Tiled half bath on main level, Nicelarge eat-in kitchen/dining area. Office area.Tiled Laundry rm. Master suite w/walk-incloset, Garden tub/shower, Double vanity.Private yard.

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748 KIERAN DR, GREENSBURG, $199,900,BLC# 21204145 Call Donna Tewmey @ 812-593-5846, PRICED TO SELL! This 3 bed/2bath has lots of upgrades. Lg open conceptw/tiled kitchen & breakfast bar, Fireplace inGreat rm/kitchen. Master suite w/walk-in clos-et & master bath. Lr sunrm leads to Ingroundpool w/gas line ran for heater. ImmediatePossession!

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1534 S MILLCREEK RD, GREENSBURG, $192,500,BLC# 21229218, Call Donna Tewmey @ 812-593-5846, Like new Brick home. 3 bed/2 bath home.Great rm w/ open concept. Split floorplan. Lrge eat-in kitchen. Island in kitchen w/ extended counter.Master suite w/ walk-in closet & master bath w/double vanity. Tiled laundry rm. 13x12 bedrooms 2& 3 w/ nice bath between. Concrete patio off back.

CALL 877.861.5193

112 E TENTH ST, GREENSBURG, $350,000,BLC# 21227361, Call Donna Tewmey @ 812-593-5846, GREAT COMMERCIAL OPPORTU-NITY....WITHIN MINUTES OF I74 CENTRALLYLOCATED BETWEEN INDIANAPOLIS &CINCINNATI. ZONED B-2. SOME UPDATESHAVE BEEN DONE TO BUILDING. LRGE OPENAREAS, 4 BATHRMS, 400 AMP SYSTEM, ETCWIRED, 2 A/C UNITS. AMPLE PARKING.IMMEDIATE POSSESSION. 2634 SQ FT.PRIOR USE WAS DENTAL OFFICE.

COMMERCIAL PROPERTY

CommercialProperty

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906 E ERDMANN RD, GREENSBURG,$189,900 BLC# 21184301, Call DonnaTewmey @ 812-593-5846, 4 bed/3 ba updat-ed home w/ In-ground pool, fenced yard, &just under a half acre! Large entry,open con-cept fam rm & dining area. Updated kitchen. Seperate laundry rm.Mastersuite w/ walk-in closet & spa tub in master bath.http://www.donnatewmey.com/

920 ERDMANN RD, GREENSBURG,$179,900 BLC# 21205922, Call Christie Gard@ 812-593-5638, Spacious Ranch home ingreat neighborhood. 3 Bedrms/ 2 fullbathrms. Great kitchen w/ all appliancesremaining. Lots of cabinets & gorgeous back splash. Hardwood flrsin both guest rms. Lots of closet space.

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1061 LAKESHORE DR, GREENSBURG, $169,500, BLC#21201745Call Donna Tewmey @ 812593-5846,Beautifully maintained BRICK 3 bedrm/2 bath w/finished basementon a half acre! Lg covered fr porch,Livingrm w/coat closet, kitchenopen to great rm. Laundry rm w/custom cabinets. Master suitew/private bath. Double vanity in 2nd bath.

725 KESSLER BLVD, GREENSBURG,$142,000 BLC# 21213825 Call Christie Gard@ 812-593-5638, WOW!Beautiful 3 bedranch. Tiled flrs in both the Mst & guestbaths. Oversized master suite w/ walkin clos-et.Amazing kitchen w/ gorgeous cabinets.Huge Family rm opens upfrom the kitchen area w/ wood burning stone fireplace.1/2 acre pluslot.

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1205 REBECCA PKWY,GREENSBRG, $139,900BLC#21206492 Call Christie 812-593-5638. Westridge Subdivision- Located near EVERYTHING and on a great lot. 3 bed-room / 3 full bath home with great view of pond, vaultedceilings in the kitchen and family room. Great size masterbedroom, private bath and walk in closet. 2 outside areasto entertain. Deck off family room is year round vinylmaterial. 2 cara attached garage. A must see home withgreat character.

304 W NORTH ST,GREENSBURG, $129,600BLC# 21203891, Call DonnaTewmey @ 812-593-5846,Move-in ready 4 bed/3 bath. Beautiful hard-wood flooring n Livingrm, Dining rm, &Bedrm. Great kitchen w/pantry & tiled counter-top & backsplash. Basement functions as stor-age/workshop/gameroom. Insulated & finished2 car garage.

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1028 SOUTH CREEK DR, . GREENSBURG,$137,000, BLC# 21227086, Call DonnaTewmey @ 812-593-5846, Ready to move intoyour 3 bed/2 bath new home?? Brick front w/lrge covered front porch. Lg living rm, kitchenw/ dining rm combo w/ sliding door leading tolg wood deck. Beautiful farm land & no homesbehind you. Split floorplan w/2 bedrms & bathon opposite side of Master suite. Lrge garage.

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*Standard text rates may apply. 9www.greensburgproperties.com

621 N BROADWAY ST, GREENSBURG, $132,000, BLC# 21220112Call Christie Gard @ 812-593-5638, Fantastic 2 story home w/ 3bedrms & 2.5 baths. LOTS of updates & NEW items including win-dows, roof, carpet, water heater, a/c unit, kitchen cabinets, light fix-tures. All bathrooms have been completely regutted and updatedwith new pieces. HUGE laundry rm.

1679 W DEMOCRACY ST, GREENSBURG, $129,900, BLC#21221122, Call Christie Gard @ 812-593-5638, Lots of sqft for theprice!! Great home w/ 4 bedrms 2 full baths. Baths w/ tiled floors.Open floor plan - kitchen family room & dining area are all open toeach other. Separate laundry rm. Great backyard w/ large cementslab. Picnic setting w/ built in swing. New roof & siding in 2012.

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706 W GASTON DR, GREENSBURG, $99,900, BLC# 21221047,Call Sarah Green @ 812-614-0997, Great home! New in 2012:Roof, Siding, Gutters, Downspouts & A/C. 2 bedrms, 2 full baths,large living rm, eat in-kitchen w/ door leading to deck, laundry rm& 2 car attached garage. Both bedrms have walk-in closets & themaster bedrm has a full bath. All appliances included.

4080 N STATE HWY 7, North Vernon 96,500 BLC# 21228836Call Jennifer 812-662-4018, 2944 Sq Ft and 4.2088 Acres, 3 bed/2bath home w/ Hardwood Floors, Newer Cabinets, Countertops andFamily Room. Walk out basement, 1 car attached Garage and HeatPump. Virtual Tour: http://4080nstatehwy7.eproptour.com/.

229 W NORTH , GREENSBURG, $89,900, BLC# 21213492Call Donna Tewmey @ 812-593-5846, Beautiful 4 bed/1 bath home.Living rm w/fireplace. Elegant dining rm w/ built-in hutch.Appliances remain in large eat-in kitchen. 11x9 landing upstairs w/3 bedrms. Oversized 1 car detached w/new electric overhead door.www.donnatewmey.com

500 W TANGLEWOOD RD, VERSAILLES, $89,900, BLC# 21201054Call Sarah Green @ 812-614-0997Much Larger Than It Appears! ThisHome Features A Large Living Room With Fireplace, Kitchen WithBreakfast Bar, Dining Room, Laundry Room With Cabinets And Large 2Car Detached Garage. Hardwood Floors Under Carpet In Dining RoomAnd Hallway. Great Country Location Close To Town. Beautiful 1 Acre Lot.

521 N PARKSIDE DR, GREENSBURG, $86,900, BLC# 21178974Call Donna Tewmey @ 812-593-5846, This home feels like countryliving!!! Recently updated. 3 bed/1.5 bath home. Lrge backyard.Hardwood flrs in bedrms. Lrge living rm, Large eat-in kitchen w/new flooring. Large storage rm in lower level.http://www.donnatewmey.com/

402 W WASHINGTON STREET, GREENSBURG 84,900, BLC#21229141, Call Jennifer 812-662-4018 1328 Sq.Ft. Completelyremodeled 3 Bed home. New Roof, Siding, Carpet, Plumbing,Flooring, Cabinets, Countertops & Windows. High Eff Furnace,Central Air. Virtual Tour: http://402wwashingtonst.ePropTour.com.

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10 *Standard text rates may apply. www.rushvillehomes4sale.com

Westport, IN

903 N STATE RD 3, WESTPORT, $135,500 BLC# 21209525Call Jennifer 812-662-4018. 2430 sq ft Brick Ranch w/ FULL BASE-MENT. 2CATC. Three bedrooms upstairs and 4th downstairs how-ever w/ no egress window. family room, fireplace, utility/laundrydown. Forced Gas/Ceiling cable Heat, Central Air. Appliances, PoolTable, Sofa, Loveseat, various bookshelves stay.Virtual Tour: http://903nstateroad3.eproptour.com/

8545 S 1000 W WESTPORT (WAYNESBURG), $129,900, BLC#21212406, Call Jennifer 812-662-4018, Large Home w/ tons ofpotential. It just needs your love and repairs. 4 Bedroom/3 bath(one unfinished) on 1.5 Acres. Be advised that this property isbeing sold AS-IS. Please check virtual tour for many accurate pic-tures: http://8545s1000.EpropTours.com.

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144 FORSYTHE ST, GREENSBURG, $64,900,BLC# 21214468 Call Christie Gard @ 812-593-5638, Adorable 2 bedrm 1 bath home.Newer roof & nice size detached garage w/side service door. GREAT size fenced in back-yard. Second bedrm is very spacious upstairs.Small enclosed front forch. New 200 amp ser-vice installed.

TEXT T954128 TO 85377609 S BROADWAY, GREENSBURG, $56,900,BLC# 21197010 Call Jennifer @ 812-662-4018.1535 sq. ft. 3 bedrooms with the master bed-room on the main floor. Detached garage withplenty of storage. Previously used as a rental.http://www.jenniferloudenrealtor.com

TEXT T808673 TO 85377802-804 E CENTRAL AVE, GREENSBURG,$79,900, BLC# 21227375, Call Christie Gard @812-593-5638, 2 units - one currently is rented.Each unit has a 2 bedrms 1 bath rm, a living area &kitchen. Good location in between Greensburg HighSchool and Jr. High. Property could also be con-verted into a single family residence.

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102 W KENTUCKY AVE, WESTPORT, $115,500, BLC # 21230311 CallJennifer @ 812-662-4018, Stone Ranch w/4 Bedrooms, 1 1/2 Baths.Appliances stay, New Roof, Windows, HeatPump. Carpet & Ceramic, AttachedGarage, Bose Speaker system. http://www.jenniferloudenrealtor.comVirtual Tour: http://102kentuckyave.ePropTour.com

706 E GATEWOOD DR, WESTPORT, $116,900BLC#21219176 Call Jennifer 812-662-4018 2278 Sq/ftRanch Style w/Upper Room. 3 Bed/2 Bath, Beautifullydecorated home w/ Jetted Tub, Laminate Flooring, OakCabinets, attached garage & detached (32x24) 2 car garage.Virtual Tour: http://706egatewooddr.eproptour.com/

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132 W FIFTH STREET, GREENSBURG, 74,900,BLC# 21221687 Call Jennifer 812-662-4018,1076 Sq Ft Bungalow. New Plumbing, HVACw/ductwork, Roof, Floors, Countertops, Cabinets,Water Heater, Doors and more. Laundry Rm,Dining Rm, 2 bedroom, lg back yard. VirtualTour: http://132wfifthst.ePropTour.com

TEXT T1005742 TO 853771602 W KOLE DR, GREENSBURG, $68,500,BLC# 21218017 Call Sarah Green @ 812-614-0997, 3 bedrooms & 2 full baths. Master bedrmhas private bath w/ garden tub & separate show-er. Lrge kitchen w/ plenty of cabinet/countertopspace, dining area & breakfast bar. Split bed-room floor plan. Storage shed & Laundry room.

TEXT T988993 TO 85377111 SW SANTEE DR, GREENSBURG,$84,900, BLC# 21216724, Call Christie @812-593-5638, On the lake property. Close tothe entrance of Lake Santee. Nice size back-yard & deck. A frame home w/ wood burningfireplace.

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310-312 N WINTER’S WAY, CARTHAGE, $395,000, BLC# 21188104Call Kathy @ 317-727-6184. This sale includes 9 duplex-houses or18 apartments. All have 2 bd. 1 bath w/ private wood decks in back.Each lot is approx. 1/3 acre. Owner has apt. buildings #14 thru 17for sale & 6 thru 10. All are currently occupied.

1677 E 150 N, RUSHVILLE, $249,500, BLC#21108381Call Kathy @ 317-727-6184. Large home w/ privacy & easy access totown. Home has many amenities w/ 3 fireplaces, a lrge family rm &another lrge great rm. Includes an inground pool w/slide & new vinyldeck. Master has large walk-in closet. Too much to list, it must be seen!

1310 N PARK BLVD, RUSHVILLE, $64,500,BLC# 21184414 Call Mark @ 765-938-9301. Nice1-2 bedroom home, 1 car attached & 1 car unat-tached garage, new carpet, new windows, closeto shopping, schools and park. Move-in conditionw/ appliances. A must see w/ reduced price.

108 PEARL, GLENWOOD, $56,000, B L C #21192841 Call Mark @ 765-938-9301, Wellmaintained 3 bedroom, 2 bath home w/ sea-sonal Florida room, 2 car attached garage,updated kitchen, & new roof.

Carthage Rushville

Rushville Glenwood

www.rushvillehomes4sale.com

818 N ARTHUR, RUSHVILLE, $51,900,BLC# 21224186, Call Mark @ 765-938-9301,House sits on street to alley lot and has anunattached garage. Home has stone siding.

Rushville

2072 FT WAYNE RD, RUSHVILLE,$134,900, BLC# 21177728 Call Mark @765-938-9301. House sits on 1.49 acres w/lrge lot. Several trees in front of house. Hascomposite deck in the back. Lrge frontporch.

4086 N WILLOW ST $134,900 LIKE BRAND NEW! 3bedroom 2 full bath all brick home. 2 car attached garagew/ fireplace. Beautiful kitchen w/ lots of cabinets, gor-geous counter tops & back splash, island & open view tofamily room. Harwood floors & new carpeting through-out. House has extra blown in insulation Mst bedroomhas own mst bathroom. Call us today for a showing.

Rushville Rushville

707 N MORGAN, RUSHVILLE, $73,500, BLC#21159482, Call Kathy @ 317-727-6184, Charmingbungalow has lots of extras. Beautiful kitchen cabinets,french doors lead out to a wood deck, curved door-ways, oak staircase, lots of built-in cabinets through-out. Basement has storage cabinets & bookcases.

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2026 N FT WAYNE RD, RUSHVILLE, $185,000, BLC# 21177404Call Mark @ 765-938-9301. Newly built in 1999. One level w/ unat-tached 3 bay garage w/ 10ft ceilings. One bay is heated. Size ofadditional garage is 1350 sq ft.

5161 W 150 S, RUSHVILLE, $149,900, BLC# 21223947, Call Mark@ 765-938-9301, Nice 4 Bed/3 Bath home. Sits on 2 rolling acressourrounded by farm land, has two car attached & 2 car unattachedgarage. Many of mechanics(furnance, windows, etc) have beenreplaced in recent years.

Rushville Rushville

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775 E 11TH, RUSHVILLE, $35,900, BLC# 21212591 Call Mark @765-938-9301. 3 bed, 1 bath w/ fenced in yard and unattached 2 cargarage.

877.861.5193


718 N WILLOW ST, $39,900, BLC# 21226234, Call Christie Gard @812-593-5638, Home sold as-is. 3 bedroom 1 full bath home. Garageconverted to office space at one time - could be converted back.Recent repairs to roof. New Electrical box upgraded to 100 amp ser-vice.

Rushville

RUSHVILLE OFFICE CALL 765-938-5888

CALL 812.593.5683

Cleaning House: Secrets of a Truly Deep CleanDeep cleaning your house is that top-to-bottom,take-no-dust-bunny-prisoners, mother-in-law-quality cleaningthat truly maintains the value of your home. Here arefrequently overlooked areas that a little spit and polish wouldnʼthurt.

De-bug the light fixturesSee that bug burial ground within your overhead fixtures? Turnoff the lights and carefully remove fixture covers, dump outflies and wash with hot soapy water. While youʼre up there,dust bulbs. Dry everything thoroughly before replacing thecover.

Vacuum heat vents and registersDirt and dust build up in heat vents and along register blades.Vents also are great receptacles for coins and missing buttons.Unscrew vent covers from walls or pluck them from floors,remove foreign objects, and vacuum inside the vent. Cleangrates with a damp cloth and screw back tightly.

Polish hardwareTo deep clean brass door hinges, handles, and cabinet knobs,thoroughly wipe with a damp microfiber cloth, then polish withWrightʼs or Weiman brass cleaner ($4). Dish soap shines upglass or stainless steel knobs. Use a Q-tip to detail the

ornamental filigree on knobs and handles.

Replace grungy switch platesAny amateur can wipe a few fingerprints off cover plates thathide light switches, electric outlets, phone jacks, and cableoutlets. But only deep cleaners happily remove plates tovacuum and swipe the gunk behind. (OK, weʼre a little OCDwhen it comes to dirt!) Make sure cover plates are straightwhen you replace them. And pitch plates that are beyond thehelp of even deep cleaning. New ones cost less than $2 each.

Neaten weather strippingPeeling, drooping weather stripping on doors and windowsmakes rooms look old. If the strip still has some life, nail orglue it back. If itʼs hopeless, cut out and replace sections, orjust pull the whole thing off and start new. A 10-ft. roll of foamweather stripping costs $8; 16-ft. vinyl costs about $15.

Replace stove drip pansSome drip pans are beyond the scrub brush. Replacing themcosts about $3 each and instantly freshens your stove.

Read more:http://www.houselogic.com/home-advice/maintenance-repair/home-cleaning-secrets/#ixzz2SYSdLjae

Rush County

Rushville

SOLD

• COMMERCIAL LAND-MILROY, 7972 S State Rd 3,$350,000, BLC# 21175817, 0.92 Acres• CARTHAGE, 7583 W 800 N, $165,000, BLC# 21140368,42.59 Acres• RUSHVILLE, 0 N Spencer, $119,000, BLC# 21172445,11.6 Acres

5959 N 75 E, RUSHVILLE, $86,500, BLC# 21186502Call Christie Gard @ 812-593-5638, GREAT HOME! Totally remodeled!Great Kitchen w/ appliances, spacious bar area, beautiful Kemper cabi-nets. 2 Full baths w/ Corian counter tops. EXTRA large bedrms upstairsw/ LOTS OF STORAGE! New items include roof, sid-ing,windows,well,septic, heat pump,200 amp,carpet,porch! Updatedplumbing.

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0 HUNTERS DR.-LOT 45-21114739, $38,900

0 MILL CREEK RD.-LOT 59-21114740, $39,500

0 MILL CREEK RD.-LOT 37-21114737, $39,900

0 MILL CREEK RD.-LOT 36-21114735, $39,900

0 MILL CREEK RD.-LOT 32-21114733, $41,800

0 MILL CREEK RD.-LOT 33-21114734, $41,800

0 CREEKSIDE CIRCLE-LOT 26-21114731, $42,100

0 MILL CREEK RD.-LOT 74-21114744, $44,900

0 MILL CREEK RD.-LOT 70-21114743, $52,600

Build Your Dream Home!Mill Ridge Estates Lots


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SOLD

0 W CR 1100 S, WESTPORT, $18,000, BLC# 21147738, CallJennifer@812-662-4018 , 1.75 acres in desirable locationbetween Westport and Columbus. All permits etc are responsi-bity of the buyer. Sign in lot. Financable with MainSource Bank.www.jenniferloudenrealtor.com

TEXT T608017 TO 8537747 S 500 E, GREENSBURG, $39,900, BLC# 21202385 CallChristie Gard @ 812-593-5638, 2 bedrm 1 bath home inGreensburg Schools on 1.5 acres. Beautiful lot w/ many trees.All appliances remain including washer & dryer. Shed at back ofproperty remains along w/ small shed & carport.

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11 TULIP LN, GREENSBURG, $89,000, BLC#21181794 Large beautiful wooded lakefront lot on 2parcels. Great water view. Site is buildable for a newhome! Serene and private 1.69 acre lot. Large doubleparcel with some woods, trees, and lakefront. Site isready for you to build your new home on. Private 30acre stocked lake only 5 miles south of Greensburg.

0 W CR 600 S, GREENSBURG, Call Donna Tewmey @ 812-593-5846.Beautiful buildable lots. Already zoned.

Lot 1- $50,000, BLC# 21224471 - 4.49 AcresLot 2- $50,000, BLC# 21224547 - 4.49 AcresLot 3-$50,000, BLC# 21224548 - 4.78 Acres

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A tree falls on the roof of your house. You file an insuranceclaim with your agent, collect a settlement from the insurer,and fix your roof. End of story, right? Not quite. Every claimyou make on your homeowners insurance is recorded in awidely used insurance industry database called CLUE, shortfor Comprehensive Loss Underwriting Exchange.

Almost all insurance companies use CLUE to check on theclaims history of prospective policyholders. The CLUEinsurance report also includes claims made on your homebefore you even bought it. A-PLUS is another company thatmaintains a loss-history database. Whatʼs inside these reportscan affect your insurance premiums, or even prevent you fromgetting coverage.

Your claims history lives on in CLUEThe CLUE Personal Property report, which pertains tohomeowners insurance, is divided into two parts: your personalrecord of claims (“Claims for the Subject”) and the claims onyour home (“Claims History for Risk”). The number of claims ineither section will affect whether you can get insurance for yourhome, how much coverage you can get, and how much youʼllpay in premiums. If youʼre turned down for homeownersinsurance because of information in your CLUE report, yourinsurance company is required to let you know why you wererejected.

Since the database is used by most insurance companies,your claims history follows you from one insurer to another.Actual claims, as opposed to inquiries, remain in the CLUEdatabase for seven years from the date you filed them. BothLexisNexis, the owner of CLUE, and A-PLUS advise insurancecarriers not to report loss information just because you calledto ask a question about whether your policy will cover aparticular loss. Individual insurance companies may keep arecord of inquires, though.

How insurers use CLUEInsurance companies rely on CLUE reports because statisticsshow that if youʼve filed a claim in the past, youʼre more likelyto file one in the future, says Dick Luedke, a spokesperson forState Farm Insurance. The amount of a claim is less importantthan how often youʼve filed, he says. “We arenʼt trying to makeup for past losses, but to predict the risk of future claims.”

Each insurance company has its own formula for calculatinghow much a claim will affect your premium, according to theInsurance Information Institute, a trade group that providesinformation to consumers. Suffice it to say the fewer the claimsthe less youʼll likely be charged. State Farm gives a 5%discount if you havenʼt filed a claim in the last five years, saysLuedke. Thatʼs $40 off an average annual premium of $804(this varies by company). Ask your agent if a claim-freediscount is available.

Claims arenʼt all that countKnowing whatʼs on your CLUE report will give you a sense ofwhether youʼll need to pay extra for homeowners insurance, oreven if you run the risk of rejection. Unfortunately, even apristine report doesnʼt mean you can be sure of gettinghomeowners insurance at a great price. Thatʼs because theclaims on your CLUE report arenʼt the only things that affectyour overall insurance risk.

Insurance companies also consider your credit score, which isbased on such things as how much debt you carry, whetheryou pay your bills on time, and so forth. According to theInsurance Information Institute, studies show that how people

manage their financesis a good indicator ofwhether theyʼll file aninsurance claim. Themore likely you are tofile a claim, the biggerrisk you are to theinsurance company.And more risk means ahigher premium ordenial of coverage.Other factors insurersconsider include the location of your home and its type ofconstruction.

How to review your CLUE reportIf you do decide to check you CLUE Personal Property report,itʼs a relatively easy process. Under federal law, you get onefree CLUE report a year. The LexisNexis order page hasinformation on how to order the report online, by phone, or bymail.

Request a form to receive a Property Loss report from A-PLUSby calling 800-709-8842. Thereʼs a charge of $19.95 to havethe report mailed to you, according to the companyʼs website.This fee will be waived if youʼre ordering a report because aninsurer took an adverse action against you because of A-PLUSdata.

Your CLUE report will have:

Your name, home address, birth date, and Social Securitynumber;

The number assigned to the report;

The name of your insurance company;

The type and number of the insurance policy;

The type of loss—fire, water, etc.—for each claim and theclaim number;

The date of the loss and the amount of each claim;

The status of each claim: closed, pending, etc.

The order page lets you view a sample report.

The report also tells you how to dispute any errors you find.Because risk calculations vary by insurance company, itʼsimpossible to say exactly how a claim on your CLUE report willaffect your premium. That makes it tough to decide just howmuch value checking your CLUE yields. Still, taking less thanan hour once a year to order and review your report could payoff, especially if you find an error.

Read more:http://www.houselogic.com/home-advice/your-insurance-score/your-clue-insurance-report-matters/#ixzz2SYU3PDo4

14 *Standard text rates may apply. www.greensburgproperties.com

Your CLUE Insurance Report Matters

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If you have a brokerage relationship with another agency, this is not intended as a solicitation. All information deemed reliable but not guaranteed.

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