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Alan Galvez Insurance Blog: homeowners insurance

View the latest blog posts from Alan Galvez Insurance.

Fire is still the number one cause of loss for a homeowners policy.  Not only can a fire break out in your residence, but a garage fire can also happen pretty easily. Think about what's stored in a garage- gasoline, lawn chemicals, propane tanks and plenty of other flammable items. READ MORE >>

 95% of the time the answer is yes.  When you package your Ohio auto insurance and home insurance together, the discount you get is called the Multi-Policy discount and it’s often pretty significant. This applies regardless of the type of home policy it is, whether a condo policy, renters policy or regular homeowners insurance. READ MORE >>

After the record-setting rain Ohio has gotten, we’ve received a number of calls concerning water in basements. However, homeowners insurance policies treat water differently depending on its cause. And not ALL water is covered under the homeowners policy, whether via the basic policy or even as an addition to the policy. READ MORE >>

In the world of Ohio property insurance, there are many different types of policies- homeowners, renters, condos and landlord (most commonly referred to as dwelling fire). Renters is pretty self-explanatory- if you rent a property, then a renters policy is what you need. READ MORE >>

If you submit an Ohio insurance claim and then decide you no longer want the insurance company involved, you are allowed to close your claim. A few things to keep in mind...  This has been my general experience over 20+ years and applicable to all companies we represent. READ MORE >>

 As a general rule, coverage for dog bites would come from the liability section of your homeowners, condo or renters insurance policy. Liability insurance covers bodily injury and property damage to others. I’m sure we can all agree that a dog bite qualifies as bodily injury to others. READ MORE >>

The answer will depend on what type of policy you have. Let’s take a moment and do some background review first…. What makes up a homeowners insurance policy? In its most basic form, a homeowners insurance policy is a package policy covering both property and liability. READ MORE >>

One of our long time customers recently experienced a house fire. I decided immediately that telling their story was necessary, in the event you too suffer a fire. For the sake of privacy, I have renamed the customers Jack and Jane, but everything discussed here is exactly how it played out post-fire. READ MORE >>

 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 >>

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


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