Insurance that works as hard as you do.

Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget. 

Our insurance advisors take time to understand your unique needs, identify and eliminate gaps in coverage that might leave you exposed and create custom plans that fit your life. From auto insurance to homeowners insurance, we’re in the business of helping people protect what they value and have worked so hard to build.

Homeowner Insurance
Your home is one of your biggest assets, and it’s important to do all that you can to protect it. We’ll help you plan for the unexpected with insurance coverage that’s just right for you and your family.

Auto Insurance
Your automobile can be a fairly costly investment – one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.

Renters Insurance
When you rent or lease, your landlord’s insurance usually only protects the building itself — not your personal belongings. We’ll design coverage to protect your personal property and your lifestyle while renting.

Condo Insurance
The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We’ll make sure you understand your bylaws and have the protection you need.

Watercraft Insurance
Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. We’ll help you leave your worries on dry land and fully enjoy your time on the water.

RV Insurance
Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We’ll work with you to make sure owning an RV is a rewarding experience, and also a safe one.

Seasonal and Secondary Home Insurance
Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We’ll make sure you have the right coverage specially designed for the unique exposures involved.

Motorcycle Insurance
While you’re on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We’ll help you hit the road with smart, customized coverage – no matter what journeys you find yourself on.

Flood Insurance
Just because you don’t live in a high flood risk area, doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters – even if you’re not in a flood zone.

Classic Car Insurance
Your prized collector car represents real commitment of your time and resources. We’ll help you protect your investment through specialized insurance coverage designed for classic car lovers like you.

Umbrella Insurance
Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. We’ll help protect your financial future.

Valuable Possessions Insurance
Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We’ll get you the protection you need for your most precious belongings in the event of loss through theft, accident or natural disaster.

Off-Road Vehicle Insurance
Your off-road vehicle needs protection that’s different from what your auto or homeowners insurance can provide. We’ll help keep you and your off-road vehicle safe and secure while you explore.

Individual Life Insurance
You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.

Long Term Disability Insurance
Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months – even years. We’ll make sure you have financial support to manage your disability and your household.

Long Term Care Insurance
Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. We’ll help prepare you for the unexpected.

Farm Insurance
Whether you run a small or large operation, own or rent your premises and land, or raise crops or livestock, we’ll help protect your farm or ranch from the unexpected.

Areas served: Ethos Insurance and Risk Management offers home, car and other personal lines insurance products for residents of Valparaiso, Munster, Michigan City, Rensselaer, Hebron, Winfield, Westville, Merrillville, Schererville, Highland, Crown Point, Lowell, Demotte, Wheatfield, Kouts, Portage, Hobart, Chesterton, Beverly Shores, Remington, Chicagoland, Columbus, North Vernon, Greensburg, Seymour, Franklin, Shelbyville and throughout the United States.