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…

What is Uninsured and Underinsured Motorists coverage?

two car accident

Let’s be honest, unless you’re in the insurance business, you probably don’t know what uninsured and underinsured motorists coverage is and why it’s important. So let’s begin by discussing the three common types of uninsured and underinsured motorists coverage and…

Does Car Insurance Cover a Friend Driving Your Car?

group of young adults in a car

Time for your favorite answer: MAYBE. While there are many black and white situations in insurance, there are plenty of GRAY ones too. This is one of those questions where the answer will depend on the situation. So, let’s look…

Does my car insurance or home insurance cover flood damage?

flooded street with cars

Although Ohio isn’t known for major weather catastrophes, the surge of heavy rains over the past few years have caused way more flooding than we’ve ever seen. Even within our small county (Logan), several small villages have experienced damaging flooding.…

Why Did My Mortgage Escrow Account Payment Increase?

stack of dollar bills

Although a mortgage escrow account is technically not insurance, we’re going to discuss it here because one of the normal components of the escrow account is your Ohio homeowners insurance premium. And when the escrow payment increases, chances are good…

How does car insurance work if I hit my own car?

car accident

While you may be shaking your own head, thinking “No way is this possible!”, I’m here to tell you, yes it happens and more often than you think. I’ve pulled an actual car insurance claim (names changed) from our claim…

Top 4 Reasons to File an Insurance Claim

insurance claim form

The insurance industry has done a pretty decent job of educating the public that when you’re involved in a car accident or something happens to your house, you need to report the claim. However, this education has backfired slightly- claims…

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