Is gap insurance worth it?
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…
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Address: 134 W Columbus Avenue
Bellefontaine, OH 43311 -
Phone: (937) 592-4871
Why are my auto insurance and home insurance premiums increasing in 2022?
After two years of flat and even decreasing premiums, 2022 is going to be a different story. Most insurance companies will be increasing premiums. Let’s face it- NO ONE is happy about this, least of all you. So we wrote…
Flag Day, Flag Week and the flag exchange at Alan Galvez Insurance
After a brief hiatus (although it feels like forever), our annual flag exchange program has returned! This event is designed to honor our flag, Flag Day and the many men and women who have served our flag, both present and…
Top Three Reasons to Avoid State Minimum Car Insurance
Whether it’s an ad with a general, a lizard or a catchy jingle, all of them say the same thing- “We’ll get you legal to drive.” But what does that really mean? And why should you care? We’ll start first…
Subrogation: The Best Insurance You Never Knew About
Subrogation is by far the BEST tool you have in the event of a claims issue. But unless you work in insurance, chances are good you’ve never heard of it. In the next few paragraphs, I’ll explain what it is…
What is a mortgage escrow account and how does it work?
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?
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
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
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?
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…