Is gap insurance worth it?

vehicle sitting on top of a descending pile of coins

If you’ve recently bought a new car and had to take out a loan to purchase it, then you really want to consider gap insurance. What is gap insurance? First off, gap insurance goes by many names. Some other common…

What is a mortgage escrow account and how does it work?

picture of an escrow account statement

It’s an exciting time for you- after months of house shopping, you’ve found the home of your dreams. And being your very first home purchase, you’re super excited. But during your conversation with your mortgage lender, the term “mortgage escrow…

When do I need commercial auto insurance?

van driving down highway

Commercial auto insurance is similar to personal auto insurance and includes such coverage as liability, medical payments, uninsured/underinsured motorists, comprehensive and collision coverage. However, the commercial auto insurance policy is designed to specifically cover loss or damage when using the…

Actual cash value vs. Replacement cost homeowners insurance

woman with question marks above her head

Let’s face it- unless you’re in insurance, you probably don’t spend too much time reading about insurance, let alone diving into terms like Replacement Cost and Actual Cash Value (also shortened to ACV). So if you don’t know what the…

How fault and liability is determined in an Ohio car accident

two people looking at their cars after an accident

In many car accidents, it’s pretty clear who’s at fault, so the at-fault driver’s insurance company accepts liability and begins paying the other party’s medical bills and/or damages. But sometimes, accidents happen and for various reasons, it’s impossible to determine…

What is homeowners liability insurance and what does it cover?

the word liability on a black background

Ohio homeowners insurance is what is commonly referred to as a “package” policy, meaning it includes coverage for both property (Section I of the policy) and liability (Section II of the policy). While it’s easy to imagine what the property portion…

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