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…
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…
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…
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.…
It’s a scene that strikes fear in many of us: You go to bed one evening and wake up to see that your driver side window has been shattered and all your belongings inside have been stolen. So how does…
Have you ever had an Ohio homeowners insurance claim? If you don’t know what to expect, it can be a scary experience. This post walks you through the typical process so you’ll have an idea if you ever need to…
Let’s say you’re shopping for new Ohio car insurance. You provide all the details necessary to get a quote. The prospective agent does his thing and then contacts you and says, “We’ve run your Motor Vehicle Report (MVR for short)…
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…
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…
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…
