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Alan Galvez Insurance Blog: bellefontaine oh home insurance

View the latest blog posts from Alan Galvez Insurance.

 When you buy a home, especially the first time, your lender will often require a mortgage escrow account be established for your homeowners insurance and property taxes. For a more detailed explanation of how this works, you can read our article “What is a Mortgage Escrow account and how does it work? READ MORE >>

 So you just received your home insurance renewal and noticed that your premium increased. Your first question is, naturally, "Why?"  Honestly, there are many reasons why a home insurance premium increases. We've listed the most common ones below- chances are good you'll find the reason below. READ MORE >>

Whether you're actively house hunting, or are already a homeowner, insuring an older home can be challenging. Our local area is full of pre-1940 homes, especially in certain neighborhoods in Bellefontaine and Urbana (Scioto Street anyone? READ MORE >>

The Biggest Problem with Siding and Roofing Claims In the many home insurance claims we've seen over the years, roofing and siding claims cause the most frustration for policyholders. Why? Because when siding and/or roofing is damaged as the result of a covered claim, there is always the chance that the replacement siding/roofing will not match what's left. READ MORE >>

When it comes to home maintenance, we think about projects that we can see, such as lawn care/landscaping, new doors & windows and perhaps a new heating and cooling system.  But do you ever think about the underground service lines that bring water to your house? Or electricity? READ MORE >>

Standard homeowners insurance companies love when houses are occupied. They don't when they're not. (they REALLY don't)..  So, yes, a vacant home affects homeowners insurance, with the worst case scenario often being cancellation of the existing policy. Here's why.  It’s all about RISK READ MORE >>

It's NOT just about the cheapest price Many people think that the goal in purchasing insurance is to find the cheapest price, but that’s just not true! There are many dangers to price shopping your Bellefontaine Ohio auto insurance and home insurance. READ MORE >>

As an insurance agent for 20 years, I've talked about water and sewer back-up so many times I've lost count. And we've paid lots of these claims over the years as well. But it's something altogether different when the claim happens to you. So roll up your sleeves and let's "dig" into my sewer back up experience. READ MORE >>

Water damage is one of the most common reasons people make claims on their Ohio home insurance. Ruptured pipes, faulty appliances and backed-up drains often lead policyholders to inspect their homeowner policy wording carefully. Water damage coverage in the homeowner insurance policy is a confusing subject. READ MORE >>

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Alan Galvez Insurance
134 W. Columbus Ave.
Bellefontaine, OH 43311

 (937) 592-4871

 info@galvezinsurance.com

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