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What Should I Do If My Car Is Towed?

Dec 31 2015 Chances are if you own a car, you depend on it. In fact, you probably depend on it a lot. To get to work, to go do errands, for travel, for just about everything that requires transportation to and from a place. Because of this, it’s incredibly anxiety-... more

Keep Your Home Safe This Holiday Season

Dec 8 2015 Holiday decorations are a great way to add a little more holiday cheer to your life. Unfortunately, they can also increase your chances of dealing with a holiday fire. Knowing your how to prevent a fire and how much coverage your Homeowners insurance policy... more

Thrifty Security: Burglar-Proof Your Home for the Holidays

Dec 4 2015 It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way to get some peace of mind is to invest... more

How to Avoid Hitting A Deer

Nov 25 2015 One morning, I was driving along a back road to one of my college classes when a deer suddenly jumped directly into my path. By a sheer miracle, the deer, my car and I all escaped without injury. (Although I did pull off the road to calm my nerves.) Not... more

Don't think you need Umbrella Insurance? Think Again

Nov 18 2015 Large personal lawsuits and resulting judgments are one of the five major risk areas facing individuals and families today. The others are major medical bills, long-term disability/long-term care, major damage to or destruction of your home and death. What... more

Safe, Secure Shopping: Tips for Black Friday

Nov 6 2015 It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own right. Unfortunately, the massive crowds... more

Teen Drivers': How will my rates change?

Nov 3 2015 One of the most frequent questions we get from clients with teenage children is “how much will it cost to add my son/daughter to my policy?” It’s no secret, the cost of insurance for a teenage driver can be downright astronomical… in some cases, twice or even... more

Prepare for the Winter of 2015-16

Oct 27 2015 Winter storms and cold temperatures can be hazardous, but if you plan ahead, you can stay safe and healthy. Prepare your home and cars. Prepare for power outages and outdoor activity. Check on the older adults. Although winter comes as no surprise, many of us... more

An Annuity: The Basics

Sep 2 2015 What is an Annuity? An annuity is a contract between you and an insurance company that promises to pay you income. Different types of annuities are sold by a variety of institutions and professionals, such as insurance companies, banks, and financial advisors.... more

Benefits to Buying Life Insurance Young

Aug 21 2015 The benefits of Life Insurance are obvious, but the benefits to buying them young may not be so obvious to the younger generation. Although Life Insurance is the last thing most people think about in their 20s, I would argue it should be one of the first. The... more

10 Tips for Purchasing Umbrella Insurance in 2015

Jul 27 2015 1. Does the policy cover libel, slander and other reputational-related injuries? And if it does, does it also cover the most likely type of lawsuit in 2015 for those with teenage children -- reputational harm through social media? Or cyberbullying? 2. Does... more

Tips for Keeping Cool in the Summer Heat

Jul 24 2015 Keeping cool when temperatures reach record highs isn't just about comfort. Dangerously high temperatures can result in heat-related illnesses ranging from heat cramps to heat exhaustion and heat stroke. The following tips can help you keep cool all summer... more

Significance of Renters' Insurance

Jul 22 2015 One of the most common mistakes that tenants make is assuming that their landlord’s insurance will cover their belongings in the event of loss or damage. In addition, tenants may think that renters’ insurance is too expensive. However, the common myths... more

6 Reasons You Need Renters

Jul 15 2015 If you're renting an apartment or home, you'll need an insurance policy to cover your belongings. Your landlord's property insurance policy covers losses to the building itself – whether it's an apartment, a house or a duplex. Your personal property and... more

Keep it safe this 4th of July

Jul 2 2015 The start of summer is the perfect time to gather with family and friends for good food and fun times. This year, celebrate the adoption of the Declaration of Independence in a safe way. Our 4th of July safety tips cover a few key summer safety topics to keep... more

Understanding your limits: Auto Insurance

Jul 1 2015 All states require that you show some form of financial responsibility, and car insurance is the most common method of meeting this requirement. Take some time to understand your car insurance limits and coverages and decide how much you need, so you don’t... more

Key Life Insurance Tips: You do need it, Here's why!

Jun 8 2015 Buying life insurance for the first time can be overwhelming. You’ll run into a lot of terms that you may not understand at first. The good news is those terms are not very difficult to figure out once you do a little research. These tips are designed to help... more

TSA Travel Tips: Summer Travel 2015

May 28 2015 In order to help travelers prepare and plan ahead for the busy summer travel season, we’ve put together some travel tips that will help you glide through security. TSA Pre-check is an expedited screening program that allows travelers to leave on their shoes,... more

Bikers, Boaters, and RVers: Tips for Matching Coverage with Your Lifestyle

May 27 2015 Bikers, Boaters, and RVers: Tips for Matching Coverage with Your Lifestyle When you buy insurance for your motorcycle, boat, or RV, you might wonder which combination of coverage fits your lifestyle best. Here are tips to help you choose great coverage that... more

Coverages & Endorsements: Homeowners Insurance

May 19 2015 Buying your first home is stressful enough without having to deal with the complications of getting adequate home insurance coverage. And no matter how carefully you read the quotes, you probably still have questions about how to best insure your home and... more

Understanding your home insurance coverage

May 18 2015 Homeowners insurance provides financial protection in the event that your home or its contents are damaged. It also provides protection if you or a family member are held legally responsible (liable) for the injuries to others or damage to their property. It'... more

What Is Covered by a Basic Auto Insurance Policy?

May 18 2015 Your auto policy may include six coverages. Each coverage is priced separately. 1. Bodily Injury Liability This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy... more

Term vs. Whole Life Insurance

May 14 2015 What Is Term vs. Whole Life Insurance – Types of Life Insurance Many young men about to propose marriage struggle to choose the perfect wedding ring– whether to buy an elaborate and expensive diamond, or a simpler, less expensive gold band. Each ring serves... more

Independent vs. Captive Agents

May 12 2015 There are many ways to purchase an insurance policy these days, whether it be online, over the phone, or in person. Ultimately, you will obtain insurance directly from an insurance company or through a licensed insurance agent. There are multiple types of... more

Why choose an independent agent?

May 8 2015 Price represents just one of many important factors in the insurance industry. In fact, finding the right coverage for your needs often involves research, but you don’t need to conduct this research alone. Instead, you can opt to work with an independent... more

How Occupation affects you Auto Insurance rates

May 8 2015 How Occupation and Education Impact Car Insurance Insurance is based on the idea of calculated risk, and car insurance companies consider every relevant aspect of your life when they determine your rates. They often go far beyond your driving history, age,... more

Disability Insurance: The Benefits

May 7 2015 The State of Ohio does not provide short-term disability benefits, unlike some other states, but Ohians can apply for disability benefits through the Social Security Administration (SSA). The SSA provides two different programs for people that meet its... more

Getting Your Boat Out of Storage and Into the Water

May 4 2015 Spring is here, and you’re ready to get out on the water. But is your boat ready? Even if you’ve kept it properly stored for the winter and protected from the elements, there are still a number of things you need to do before hitting the local lakes and... more

Maintaining A Seldom Used Vehicle

Apr 27 2015 Performing maintenance is a task that often goes hand-in-hand with owning a vehicle. But what about vehicles you only use once in a while or store part of the year? It may seem like a car that isn’t used frequently wouldn’t require upkeep like your everyday... more

Spring Cleaning Tips

Apr 13 2015 It's that time of year again where the weather fluctuates rapidly. This a great time of year to prepare your house and yard for the summer months. Take care of your yard and home now and save yourself a lot of money in the future. The idea is to fix the... more

Tips for Home Security over Spring Break

Apr 3 2015 11 tips to increase home security 1. Burglars typically break in when it looks like people are away from home — at work, running errands or on vacation. You can create the illusion that someone is home by using timers to turn several lights on and off at... more

Early Spring Lawncare Tips

Mar 20 2015 1. Take It Easy on the Soil Don't be in a hurry to start working in your yard. Let the soil thaw and dry out before beginning your spring lawn care chores. Foot traffic on wet soils will cause soil compaction problems. Even worse damage is caused by walking... more

Vehicle Theft: Steps to Prevention

Mar 19 2015 Vehicle theft has been a growing problem over the years. In 2013, it was reported that 699,594 cars were stolen & 1,652,733 stolen vehicle property claims. $4.1 billion of loss due to motor vehicle theft was reported as well. Be aware that July and August... more

Prevent Vehicle Theft

Mar 19 2015 Even if you don’t realize it, if you regularly drive a car, you’re often moved to protect your vehicle against theft. The simple, often mindless act of pushing that button on your key fob after you park your car locks it and helps deter thieves. Despite that,... more

Keep Burglars Away From Your Home

Mar 18 2015 Here’s some good news: The FBI estimates that burglaries in 2013 were down 8.6 percent from 2012. In that same report, however, the FBI notes that approximately 74 percent of burglaries occurred in residences in 2013. While you already know to arrange for a... more

New Homeowner? Do you have a Carbon Monoxide alarm?

Mar 18 2015 Young families settling in to their first home have a lot to think about — maybe more than they’ve ever had to consider before. With all the new financial and legal responsibilities, new neighbors, new home features and their maintenance, and more, it’s... more

Spring Break: Insure Your Safety

Mar 17 2015 It is that time of year again, Spring Break. This is an exciting time of year for everyone. Family vacations are in full swing & warmer weather is just right around the corner. Whether you plan to travel 700 miles or 250 miles it is important to make your... more

Long Term Care: Is it Worth It?

Mar 16 2015 Deciding whether you need life insurance can be a complicated process. The decision can be even harder when you are younger. This article highlights some of the issues that you should think about. We hope that this will help you to make an educated decision.... more

Umbrella Insurance: Do You Need It?

Mar 13 2015 An umbrella insurance policy is a worldwide liability policy that covers you and your family members over and above your primary insurance policies, including the policies you hold for your automobiles, home, rental properties, and even boats or campers. Many... more

Help Prevent Auto Theft: Catalytic Converter

Mar 12 2015 Catalytic converters are a mandatory component of all vehicles in the United States and are designed to reduce harmful emissions from exhaust systems, according to Edmunds. Thieves target catalytic converters because they contain precious metals, like... more

5 Tips to Moving On A Budget

Mar 12 2015 Moving can be exciting, especially if it’s for a new job, to upsize for a growing family or as the beginning of an adventure in a new place. But moving comes with an abundance of expenses. When you add the cost of the actual move to things like a down payment... more

How to Create Your First Garden This Spring

Mar 9 2015 From genetically modified crops to the environmental and health effects of pesticides, more and more Ohio residents are questioning whether they should grow what they eat. Wherever you stand on the issues surrounding today’s food supply, however, there are... more

Freezing Rain:Coping with the Weather on the Road

Mar 2 2015 Coping with snow and ice on the road for months of the year is a fact of life for most Canadian drivers. Following these tips can help you make it safely through the winter. See how you can prepare your vehicle for winter and be ready to deal with everything... more

Highway Safety Tips

Feb 26 2015 If you’re planning on hitting the highway, the American Red Cross offers these important car travel safety tips to help get you to your destination safely. On the Highway: -Buckle up, slow down, don’t drive impaired. -Be well rested and alert. -Use caution in... more

Tips to Starting Car in Sub Zero Temperatures

Feb 24 2015 Among the best moves you can make to improve your car's chances of starting the next time the temperature plunges below zero are to make sure your battery and charging system are in good shape and that your engine is using the grade of oil recommended by the... more

Driving on Ice:To Pump or not to Pump?

Feb 24 2015 It’s that time of year again, and winter weather is right around the corner. You’ve dug the snow brush out of your trunk and put new tires on your vehicle, but have you brushed up on your winter driving practices? Specifically, driving on ice? With your car,... more

Road Salt: Car Corrosion Can Take a Toll

Feb 23 2015 With winter in full-force across much of the nation, salt crews have been on the go prepping roadways before, after and during inclement winter weather. Although road salt is essential for safe winter driving, it can also lead to numerous car troubles. Road... more

Cold-Weather Car Tips

Feb 19 2015 Cold is a stopper. In some pans of the country, the harshest day of the year is practically a traditional holiday-one that's most widely observed by cars. The drivers, unfortunately, still bundle up to give 'er a try. Not until the grinding moan of the... more

Helping Seniors Have a Wonderful Winter

Feb 17 2015 Slippery sidewalks. Freezing temperatures. Power outages. Winter isn't always a wonderland. If you regularly lend a hand to a senior friend or family member here in Ohio, it may be a good time of the year to provide some extra support. Read on to learn some... more

A Mid-Season Winter Checklist

Feb 17 2015 “Getting the exterior of the home ready for the cold winds, snow and ice is critical for keeping Old Man Winter out and keeping it warm and toasty inside,” says Reggie Marston, president of Residential Equity Management Home Inspections in Springfield, VA. By... more

7 Quick Tips for Staying Warm in Snow Storm

Feb 16 2015 The first big snow day of this winter has arrived in the Northeast, bringing with it freezing temperatures and as much as 14 inches of fresh powder. If you’re in an area being walloped by the winter weather, we hope you’re hunkered down somewhere warm (... more

5 Avoidable Mistakes While Driving in the Snow

Feb 16 2015 You wake up one morning to find the roads blanketed in a thick carpet of snow. It's still too early for the snowplows to have gotten around to your small neighborhood, but you have to get to work on time this morning. You're a little nervous about the commute,... more

Keep Your House Clean: Prevent the Flu

Feb 13 2015 Flu season is in full swing. What can you do to help prevent the spread of germs within your home? If someone in your home has the flu, there are steps you can take to help prevent spreading the virus to each member of the family. Start With Clean Hands You... more

Check Your Tire Tread: The Penny Method

Feb 11 2015 You should monitor your tread depth closely once it reaches 4/32 inch deep. Here's how to assess your tread depth: 4/32" or deeper Good 3/32" Replace Tires Soon 2/32" or less Replace Tires Now There are several popular ways to check your tire tread depth. One... more

How to Un-Freeze Pipes the RIGHT Way

Feb 10 2015 What should you do if a water pipe freezes? You should make sure it never happens again! When the water freezes, it tries to expand inside the pipe. It pushes against the sides of the pipe, as well as any nearby valves, seams and faucets. The freezing action... more

Buy Life Insurance While Your Young

Feb 5 2015 Benefit Insights- Article taken from Cincinnati Benefit Solutions Many organizations invest substantial resources in putting together attractive benefits packages for employees. With its enticing promise of financial security for loved ones, life insurance... more

Feburuary 2-8, 2015 is National Burn Awareness Week

Feb 5 2015 Cooking Safety For Older Adults: DO's (1) Use oven mitts, not towels, to handle hot pots and pans. (2) Use caution when cooking with grease – keep burner on a low to medium setting and keep a pan lid in reach (3) Make sure smoke alarms are in place on each... more

First Fender Bender? Take the Proper Steps

Feb 4 2015 How to Report an Accident and File a Claim Knowing what to do at the scene of the accident is an important part of filing a claim and, according to the Insurance Information Institute (III), it can help speed things along when you do. Here are some basic... more

Why Losing A Game Can Be Bad For Your Car

Feb 2 2015 Home Team Losses Boost Collisions Around NFL Stadiums Home team losses led to more car collisions. Football’s biggest night was last night. As you stocked up for your big game party, did you think about driving a little safer? According to a new study from... more

7 Suburban Home Hacks

Jan 27 2015 Blizzards, like the one we’re facing in the Northeast chunk of the U.S., light up two distinctly different parts of my psyche. One is the eager child who imagines climbing hills of snow and building monumental crystalline sculptures. The other is the wary... more

Umbrella Insurance: A "Peace-of-Mind" Policy

Jan 22 2015 About Umbrella Insurance What is it? Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways: Provides additional... more

Avoid Deer Collision: Helpful Tips

Jan 22 2015 Fall is the time of year when many people are dreaming of bagging that big buck. But you sure don’t want to do it with your vehicle! Here are a few tips to avoid a collision with a deer. Be Alert, especially at This Time of the Year! During hunting season and... more

10 Things About Umbrella Insurance

Jan 20 2015 Here are 10 questions to ask your agent about your umbrella insurance in 2015. 1. Does the policy cover libel, slander and other reputational-related injuries? And if it does, does it also cover the most likely type of lawsuit in 2015 for those with teenage... more

Snow Mobile: Survival Tips Worst Case Scenario

Jan 19 2015 Since snowmobiling often occurs in remote locations, it is important to learn what to do if you become stranded, how to keep warm in changing terrain and weather conditions, and basic tips about how to care for injuries that may occur on the trail or in the... more

Chimney Tips: Keep Your Family Warm This Winter

Jan 14 2015 Fall chimney maintenance and proper cleaning are key steps to keeping your family safe and warm as the temperatures drop. Neglected chimneys accumulate creosote, a combustible byproduct of charred wood, along their walls. Add to that a high internal flue... more

Tips for Buying Umbrella Insurance 2015

Jan 5 2015 Large personal lawsuits and resulting judgments are one of the five major risk areas facing individuals and families today. The others are major medical bills, long-term disability/long-term care, major damage to or destruction of your home and death. What... more

The Danger of Ice Dams & How it Affects Your Insuane

Jan 5 2015 An ice dam has the potential to cause serious damage to both your roof and the inside of your home. It is important to take steps to help protect your home from the risks associated with ice dams. How does an ice dam form? (1) Heat rises from the house melts... more



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