First-Time Homebuyer’s Guide to Home Insurance in Ohio
Buying Your First Home in Ohio? What to Know About Homeowners Insurance Buying your first home is exciting, but it also comes with a lot of things you probably haven’t had to think about before. Home inspections, appraisals, mortgage documents, closing costs and homeowners insurance can all come at you pretty quickly. If you’ve never […]
Why Did My Car Insurance Go Up When Nothing Changed?
Here’s the honest answer: your rate probably didn’t go up because of anything you did. It went up because the cost of everything your insurance pays for went up. Repairs, parts, medical care, and legal settlements have all gotten dramatically more expensive over the past few years, and premiums follow those costs. Nothing changed in […]
How Much Is Car Insurance for a Teenager in Ohio?
If you’ve Googled this question already, you’ve probably seen some scary numbers: national studies put the cost of adding a teen driver at $300, $400, even $600 a month. Here’s what I can tell you from this side of the desk: in my experience with families around Springboro and Warren County, adding a young driver […]
What Does Renters Insurance Cover? (And What It Costs in Ohio)
Renters insurance covers three big things: your belongings (furniture, electronics, clothes, kitchen stuff), your liability if someone gets hurt in your place or you accidentally damage someone else’s property, and your extra living costs if a fire or covered disaster makes your rental unlivable. In Ohio, that protection typically runs somewhere between $10 and $25 […]
Does Homeowners Insurance Cover Hail Damage to My Roof?
The short answer: hail damage to your roof is typically covered under a standard homeowners policy, since hail is one of the classic perils home insurance is built for. But the details matter more than most homeowners realize, especially how your deductible works, how old your roof is, and how your specific policy handles roof […]
Why Insurance Is a Scam (And Why You’re Wrong About That)
I’ve been in the insurance business long enough to know that almost everyone, at some point, has called it a scam. Maybe you’ve said it yourself — probably after your premium went up for no obvious reason, or after you filed a claim and got less than you expected. I get it. The frustration is […]