Home insurance

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Insurance policies are made to be customized for a reason.The business executive has more income and assets to protect from liability claims than the recent college graduate.Families have more people to think about than young single people or an empty nester.And it is worth noting that the single person, the recent college graduate, the business executive and the empty nester can all be the same person...at different times.We all have different pursuits, different incomes, different bank balances at different points in time.The insurance policies that make up your insurance program - your blanket of protection - need to be tweaked from time-to-time so that you are getting the right protection and benefiting from all available discounts.
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There are plenty of potentially hazardous activities that go along with the holiday season and the start of winter, such as stringing up Christmas lights, navigating the icy roads, and hopping on those skis or other snow sports equipment, just to name a few. This is also the time of year when we break out the snow shovels and ice melt, so that we, and our neighbors and visitors, can safely navigate our walkways and sidewalks.
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After your home is damaged by wind, hail, or other natural elements, the storm isn't necessarily over; in fact, it might be just the beginning. Here's what you need to know about the storm-induced insurance process from diagnosing the damage to filing a claim and making repairs so that weathering your home's recovery is as painless as possible.
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Have you heard of supermodels insuring their legs or singers taking out a policy on their priceless vocal chords? That's probably not necessary for most people, but many of us probably do have a few valuables that can and should be insured separately.
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For most American families, summer is outdoor celebration time, fireworks time, barbecue time, and fun-in-the-sun-by-the-pool time. If you're the one who happens to be hosting, however, it's important to recognize that these quintessential summer activities present unique risks, as well as potential liability issues.
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Summer in Ohio is coming and with it is the opportunity to experience all kinds of warm-weather mishaps. Here are some common summer dangers and how to avoid them.
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Alysia Brooks

A Christmas tree is a non-negotiable tradition for many families during the holidays. But even those who look forward to those twinkling lights and strings of popcorn may have a small child or mischievous cat that makes having a tree difficult and sometimes even dangerous. Review the tips from our Dec 16th, 2014 blog post, "Tips to Prevent Christmas Tree Fires," to make sure you have a safe set-up. Now on to the important question...
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Alysia Brooks

We have come a long way from the traditional way of hanging lights on a Christmas tree, lit candles. Obviously, lit candles hanging on a dying and drying out pine tree is not a great idea. That's when the electric string lights were introduced. Over time, the string lights have become safer than the original electric bulbs used but that doesn't mean the fire risk isn't still there. If you choose to put up a Christmas tree this year, here are a few tips from Propertycasualty.com to help lessen your risk of fire.
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Alysia Brooks

Even though it is one of the most common causes of loss, water back-up of sewers and drains is one of the most misunderstood aspects of insurance.
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Alysia Brady

Are you leaving for one last vacation before fall?! We have a few tips, provided by the Cincinnati Insurance Co. blog, on how to prepare your home before you leave to ensure there is less of a chance you become a target of theft!
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Alysia Brady

Renters Insurance is important and very affordable! Even though it is already inexpensive, here are 4 tips to save you even more!
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Enormous inflatable bouncy castles also known as bounce houses are often seen at kids' birthday parties and the like. They're colorful, bulbous enclosures where cake and ice cream filled youngsters can jump to their hearts' content, burn off some of the manic sugar buzz, and one would presume stay out of harm's way. In recent months, however, what once seemed to be a benign source of entertainment for the young and young and heart has come to be regarded as a menacing, potentially injurious if not deadly choice for party-day entertainment.
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Alysia Brady

According to The Cincinnati Insurance Company's blog on How to Protect Yourself from Fraud, "The National Insurance Crime Bureau reports that insurance fraud accounts for about 10% of all property casualty claims." Falling victim to a dishonest contractor damages not only your home, but your pockets too. Here are a few tips, provided by the Cincinnati Insurance Company, that might help you recognize a fraud so that you do not become another fraud statistic!
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Posted by: Alysia Brady

You rely on your independent insurance agent to guide you through the purchasing and understanding of your personal insurance needs. How often after the initial purchase do you review your policies? Your insurance needs will likely change over time. As you get married, start a family, grow your family and move your children out, it is important to review your policies with your agent and evaluate the most suitable coverage for you!
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As winter's lingering shadow lessens, and the sun shines brighter and warmer every day, it's an ideal time to give your front and back yards a thorough spring cleaning in preparation for a long stretch of satisfying, beautiful, and safe outdoor fun.
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Posted by Alysia Brady

After a harsh and seemingly never ending winter, spring has finally arrived! As a responsible homeowner, there are several chores that should be completed during the spring season. The Cincinnati Insurance Company has provided the to-do list below to ensure your property is properly maintained to decrease the probability of a liability claim.
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Between personal motor vehicles, factories, trains, and other sources of toxic fumes, the outside air would seem to be significantly more toxic than the air within our seemingly pristine indoor environments. Unfortunately, this is an illusion. The air you breathe at home or work can be seriously harmful. In fact, according to a study by the World Health Organization, indoor air pollution kills approximately four million people worldwide every year.
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Asbestos is a hidden health hazard that can lurk right in the place where you should feel the safest: home. While those who work in the construction industry are considered the most vulnerable to asbestos exposure, especially repeated exposure, it's important to keep in mind that even very limited exposure-such as what you might experience during a simple renovation project-can have long-term negative effects. Make it a priority to prevent you and your family members from coming into contact with this dangerous material.
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For most of the children in the {STATE}, the end of August means those lazy dog days of summer are coming to a close, and those books and desks are what will be opening up next. For parents, the back-to-school season is a great time of year to look over insurance policies, and make sure they are up to date. Here are some insurance situations to consider as the kiddos hit the books.
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Sometimes, what appears to be an impenetrably solid roof above your head actually has little openings through which the rain can leak. The same is true of somecar insurance and homeowner's insurance policies; they can appear to provide sufficient coverage, but, in the event of an accident of some sort, you may find yourself drowning in debt. To avoid getting soaked by surprising expenses, use an umbrella; umbrella insurance, that is.
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Before winter strikes in {STATE}, most of us tuck away our summer clothes and bring out the sweaters, coats, and scarves that will keep our bodies cozy when there's a chill in the air. But how many of us take similar steps to prepare our homes for winter weather? Readying your home for winter, also known as "winterizing," will not only help you and your family to stay snug and warm while saving money on energy bills, but it may also protect your home from damage that can lead to costly repairs.
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Want to Maximize Your Insurance Dollars? Make 'Conduct a Home Inventory' One of Your New Year's Resolutions
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A standard homeowners insurance policy includes four essential types of coverage. They include:
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There are a number of preventative measures you can take to avoid water back up damage and minimize the amount of damage should it occur. But a significant amount of water back up incidents may not be preventable. For example, Colorado Springs Utilities estimates that water back up damages amount to $1,000,000 annually and that 80% of these losses are unpreventable. Worse, 80% of homeowners do not have insurance protection against water back up.1
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Technology and social trends have driven a wave of telecommuting. Many of us work at home at least on some days while some may work from home all the time. For that reason, more and more homes contain a designated office area; with increasing frequency that area is a room.
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First let's tackle the question of whether you need a separate insurance policy for your boat at all. If your boat is small and has limited or no power, the chances are that your homeowner insurance policy will afford you all the protection you need, although you may need to modify, or endorse, your homeowner policy.
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Download Home Inventory Worksheet (Excel) Keeping a home inventory is an important exercise that aids you in three ways:
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Your son or daughter probably needs some new, expensive computer equipment. When they were in high school they probably used a desk top computer but they now have a lap top. Lap tops, by the very nature of their portability, are much more susceptible to theft.
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Maintenance for your vacation or second home is pretty much the same as for your primary residence. There are a few reasons why you may need to take a few extra measures with your second home. You are most likely away from your vacation home for periods of time and, if you have nearby neighbors, they may be away from their homes during the same intervals. Many vacation homes are situated 'away from it all' so, if something were to happen to your home, it's possible no one would notice until too late.
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