About Reliable Insurance


Kurt and Melissa Watt founded Reliable Insurance Solutions in 2002. Kurt, the principal agent, has over 21 years of experience. Melissa is a licensed agent servicing personal lines clients. Lisa Dillon joined the agency in 2006. She's a licensed agent, office manager, CISR Certified and principal customer service representative for our personal lines clients. Crystal Andrews and Yan Zhuang joined the agency in 2016. They are both licensed agents focusing on helping new clients understand and purchase insurance. Kelly Marshall joined the team in 2017. She is a licensed agent providing customer service to both our personal and commercial clients.

Together, these agents have over 80 years of combined insurance industry experience. All of us live in the Lafayette and West Lafayette, Indiana area. Our first priority is to serve you, understand your situation, diagnose your exposures and develop a customized insurance and risk management program that is tailored to your needs.



Our Agents

Kurt Watt

Kurt Watt began his insurance career in 1994. Before starting Reliable Insurance Solutions in 2002, he worked exclusively in commercial insurance. When he’s not working Kurt enjoys spending time with his wife Melissa and their three children; Brandon, Ethan, and Amanda. The family loves the outdoors; camping and hiking. Kurt also enjoys carpentry and typically will buy and renovate one house a year.

"The most enjoyable aspect of being an insurance agent is the customer interaction. Taking the time to understand a client's situation, diagnosing their exposure, and developing a customized insurance and risk management program," says Kurt.

Melissa Watt

Melissa has been working with Reliable Insurance since 2005 as a licensed Customer Service Representative. She helps clients with payments, filing claims and policy changes. You’ll find Melissa in the office every morning- ready to help with a smile! Melissa is great at problem solving and always willing to go ‘above and beyond’ to help our clients.

Melissa loves to spend time with her husband and kids, read, volunteer with Riverside Covenant Church and be involved in the community. She has also has a new found love of travel and is always ready for the next adventure!

Lisa Dillon

Lisa began her career at Reliable Insurance Solutions in 2006 working as a Commercial Lines Customer Service Representative (CSR). She became a licensed agent the same year and earned her CISR (Certified Insurance Service Representative) designation in 2016. Lisa is currently Reliable Insurance’s Office Manager and Personal Insurance Customer Service Representative. She holds an Associate of Applied Science degree in Business Administration with specialties in Human Resource Management and Business Management.

She enjoys spending time with her husband and kids as well as volunteering with West Lafayette Schools and West Lafayette Athletics.

Lisa takes great care to ensure that each and every client has a smooth and enjoyable experience with the agency. It is her goal to always go above and beyond to provide the utmost in customer satisfaction.

Crystal Andrews

Crystal Andrews began her insurance career in 2007 and joined Reliable Insurance in 2016. When she is not working, she enjoys spending time with her daughter, volunteering with Habitat for Humanity, reading and going to concerts. Be sure to ask her about her most recent DIY project- she is always working on something new!

Crystal treats each customer like a friend and strives to provide them with the best service possible. She is always looking out for their best interest and finds them the best insurance value we have to offer.  Crystal truly believes that each customer is important and strives to understand each families unique insurance needs.  She will go the extra mile to find the best policy and coverage for each client’s situation.

Yan Zhuang

Yan Zhuang joined Reliable Insurance in 2016. She is bilingual- speaking both English and Chinese fluently. Her primary focus is serving the international students, scholars and residents in our community. She gets to know each of her customers and their needs so she can help them find the best solution for auto, home, renters and business insurance. Yan has the heart of a teacher and enjoys helping her clients understand the policies and coverage options we have available. She has a kind word for everyone and is always willing to lend a hand.

In Yan’s leisure time, she loves to read stories to her two daughters and teach Chinese classes. She also enjoys playing the piano and will play for hours when she can. Yan enjoys learning and believes there are new things to learn every day.

Kelly Marshall

Kelly began working at Reliable Insurance as a Customer Service Representative in 2017. She works closely with Lisa Dillon to assist personal lines clients. You will see her in the office every afternoon- greeting each customer with a smile!

When Kelly moved to West Lafayette with her family in 2005, she fell in love with the fun university town. In her free time, she enjoys dedicating her time to the community and making connections with local residents – both new and seasoned. She is very active with the West Lafayette schools, West Lafayette High School Marching Band, Riverside Covenant church, MOPS Mentors and Bible Study Fellowship activities.

Alivia Puterbaugh

In 2019, Alivia began working at Reliable Insurance as the Director of First Impressions. She loves meeting, getting to know, and helping our clients (aka “new friends”).

Prior to working at Reliable, Alivia taught in the Lafayette School Corporation as a middle school teacher and then left to pursue book writing. She is the author and illustrator of storybook, “He Calls Me His Dandelion” (available at Barnes & Noble), and enjoys hosting speaking events. Some of her other passions including traveling, exploring new places, being outdoors, and creating.

Why Choose Reliable Insurance

As an independent insurance agency, Reliable Insurance Solutions can offer many different brands of insurance. You wouldn't want to eat at a restaurant that only has one item on the menu, why should you settle for an insurance agency that only sells one brand of insurance?

We aim to provide the type of service that our customers prefer. Some prefer to visit our website and fill out their quote forms themselves. Others prefer us to do their leg work, in order to obtain the best quote possible. Whatever your own personal preference, Reliable Insurance Solutions is here to assist you.

We believe the ultimate test of your insurance program is claims service. When a claim occurs, our staff will work with you to insure the situation is handled quickly and equitably.

We don't do extraordinary things; we do ordinary things extraordinarily well.

Our Pledge

As an independent agency, Reliable Insurance Solutions has access to multiple insurance companies as well as a commitment to quality customer service. This allows us to offer our clients competitive pricing, a wide selection of products and unparalleled advocacy.

As a Trusted Choice® agency, we are dedicated to you and are committed to treating you as a person, not a policy. This commitment means we shall:

•   Work with you to identify the right insurance for you, your family, or your business and use our access to multiple companies to deliver those products.
•   Guide you through the claims process, so your claim is resolved promptly and fairly.
•   Help resolve any problems related to your coverage or account.
•   Answer any questions and explain the coverages and options available to you.
•   Return your phone calls and e-mails promptly.
•   Respond to your requests in a timely manner.
•   Provide 24/7 service for you, our customers.
•   Allow you to reach out to us via:
     o   24-hour voice mail service
     o   E-mail
     o   Our website, www.reliableinsurancesolutions.com
•   A constant commitment to continuing education, so we can serve you better.
•   Treat you with respect and courtesy.
•   Conduct our business in an ethical manner.

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