Ice Damage And Dwelling Insurance: Are You Covered?

Cincinnati, OH homeowners live in a cold environment that often suffers from extremely cold weather and rapid temperature changes. As a result, it is important to know whether or not their dwelling insurance covers ice damage. We at Advantage Insurance Network can answer this question for you.

Dwelling Insurance Covers A Variety Of Ice Damage

In most cases, your dwelling insurance should cover your home and the items on it from serious ice damage. For example, hail damage is usually protected from this danger. You can also get coverage for problems as diverse as ice dams and as damaging as severe ice buildup on your windows and walls.

The exact nature of your coverage will, naturally, vary depending on your policy. Most dwelling insurance types will cover your garage, barns, and storage sheds from this kind of damage. Just as importantly, they will keep your home from serious injuries caused by ice storms.

Roof Collapse May Also Be Covered

Typically, your dwelling insurance will also cover the collapse of roofs on your home and other buildings on your property. For example, the kind of ice and snow buildup that occurs on older sheds may cause them to collapse unexpectedly.

This shocking situation can be even worse if it happens to your home. Thankfully, you should be able to get some kind of coverage for this problem. This type of insurance can not only provide you with coverage for repairs but any temporary-relocation costs. For example, if a collapsed roof forces you to live in a hotel for a few months, you should be covered. 

Staying Covered With Us

At Advantage Insurance Network, we provide Cincinnati, OH and the surrounding area with dwelling insurance that can protect your home from serious ice damage. Talk to us today to learn more.

Protecting Your Important Asset with Motorcycle Insurance

According to the World Atlas, there are more than 402,000 motorcyclists registered in the State of Ohio, including Cincinnati, OH. These many vehicles on the road mean a need for motorcycle insurance coverage. This type of insurance is essential for you in order to protect your motorcycle from any financial loss that is accidental in nature. This includes collisions and crashes, other accidents, property damage, and bodily injury.

If you have insurance for your auto it makes sense to protect your motorcycle as well. The Advantage Insurance Network in Cincinnati, OH, through those licensed agents who work with the group can provide you with the information you need to make a well-informed decision about the appropriate motorcycle insurance for you.

Motorcycle insurance is designed specifically for your motorcycle. It is also designed to meet the State of Ohio’s minimum requirements for insurance protection. If you own a motorcycle in the Cincinnati, OH area, you will need to have in place no less than $25,000 in bodily injury liability, $50,000 per accident protection, and $25,000 of property damage liability coverage.

You may also elect to purchase other options for your motorcycle. This includes comprehensive protection that provides you with the peace of mind needed in the event that your vehicle is ever damaged, stolen, or vandalized. You may also add protection against uninsured or underinsured cyclists, and put in place motorcycle insurance coverage for customized replacement parts (like chrome) instead of standard factory parts in the event of a crash or collision.

Advantage Insurance Network of Cincinnati, OH has worked with it licensed professional agents who can assess your need for motorcycle insurance. At a minimum, these agents can provide you with the minimum liability requirements for the State of Ohio. Take the important first step and find out how much insurance protection you need for your motorcycle.

Are Condo Associations Required to Carry Condo Association Insurance?

If you are in charge of or oversee a condo association, you may have just heard about condo association insurance. If you have just heard about this type of insurance, you may have many questions about it. Here at Advantage Insurance Network, serving Cincinnati, OH, we want to educate you on condo insurance so you can decide whether you should purchase a policy. Here is some information you should know about condo association insurance.

What Condo Association Insurance Is

Condo associations cover damages and pay for repairs to many parts of a condo building and the common areas, such as pools or exercise rooms. If damage occurs to these areas due to weather-related events or acts of God, condo association can step in and pay for the repairs. This helps to prevent a condo association from having to keep excess reserves on hand or to pay for large amounts of damage.

If Condo Associations Are Required to Carry Condo Association Insurance

By law, a condo association is not required to carry condo association insurance. And in fact, many condo associations do not have this type of insurance, simply because many are unaware that it exists. If you are looking for a way to protect the condo building and the money that owners pay for the association, condo insurance may be a smart purchase.

There are many benefits to carrying condo association insurance for condo associations. If you run or oversee one, and are ready to buy a policy, you can purchase one from Advantage Insurance Network, serving Cincinnati, OH today. Contact us now for a price quote or to get started buying your policy.

Overview of Renters Insurance

Renters insurance is quite a common type of insurance. Property management companies often require renters to obtain and maintain renters insurance coverage in order to live in their rental properties. This is generally because the renter’s insurance protects the property management company from liability, but it benefits the renter as well. Renters insurance covers a renter’s personal property in the event of theft thus allowing the renter to have peace of mind when away from their apartment. Renters insurance also covers expenses such as a renter’s cost of living in the event that the renter must temporarily relocate because of fire damage.

One factor that people always discuss when it comes to insurance is cost. Thankfully, the cost of renters insurance in Cincinnati, OH is fairly low and typically ranges from a minimum of fifteen dollars a month to a maximum of thirty dollars a month. This is extremely affordable for almost all renters. Thus, the cost of a renters insurance policy is usually not a deciding factor in whether or not someone is able to obtain renters insurance. However, as with all insurance, the cost of the policy is an important point to cover when examining renters insurance as a whole.

Coverage is another major part of any discussion on insurance. For $15-30 a month, the average renter’s insurance plan provides $100,000 of personal liability coverage and $15,000 of personal property coverage. For the low monthly cost, renters insurance, even the basic plans, provides an excellent amount of coverage for renters. Additionally, renters insurance also provides approximately $1000-2000 of coverage for medical bills in these basic plans.

Many people want to get renters insurance in Cincinnati, OH. If you are interested in getting renters insurance, Advantage Insurance Network is the company for you since they have years of experience helping customers with renters insurance. To find out more, call Advantage Insurance Network at 513.922.9460.

What is Condo Association Insurance?

If you oversee a condo association or have recently been appointed to the board condo association insurance may be a topic that comes up. However, unless you are involved with the association, you may not understand what this is. At Advantage Insurance Network, serving the Cincinnati, OH area, we are happy to help you understand the different types of insurance products that we offer. Here is a bit more information on what condo association insurance is. 

What is Condo Association Insurance?

A condo association is required to care for, maintain and repair certain parts of the condo building. In most cases, these are common areas or items used by the building. This may be the exterior of the building, any elevators in the condo, the roof and common sewer or water lines. If one of these items is damaged due to a tree falling on the building, a storm or some other reason aside from lack of maintenance, condo association insurance steps in to help pay for those repairs, much like homeowners insurance would step in and pay for the damages. 

What is the Benefit of Condo Association Insurance?

The biggest benefit is that your condo association has peace of mind that the building is covered in the event of a catastrophic event. Without this type of insurance, you would have to have enough money set aside in reserve funds to cover these events. It can take time for newer buildings to build up this amount of money, and in the meantime, the money needed for proper maintenance may not be available. This type of insurance allows cash to flow where it is needed, rather than large emergency funds.  

If you oversee a condo association, be sure to take the time to obtain quotes from various companies and compare rates and policies. If you are looking to obtain a quote for condo association insurance in the greater Cincinnati, OH area, call Advantage Insurance Network today. 

Three Things to Do to Prepare for Spring Leasing Season

For a lot of people, the end of the spring means it is almost time to start looking for a new rental apartment or home. For students, it is the end of the semester and they are getting ready to go home for the summer, and for everyone else, many leases are coming to an end. But whether you are about to renew your current lease or get yourself a new one, here are three things you can do to prepare.

1. Reorganize

If you are nearing the end of your lease and are planning on either staying or finding a new place, it is time to take a look at your stuff. When you first moved in, you had the necessities, but over the year you have probably accumulated a few extra belongings. Spring is a great opportunity to get rid of some things you don’t want, and to organize the things you want to keep. 

2. Cleaning

Even if you clean everyday, places such as corners, ceilings, closets and other nooks and crannies can get dirty. Spring is the perfect time of year to do a deep clean. After all, you have just reorganized your stuff, so you should have plenty of room to clean a little extra.

3. Insurance

Every renter needs renter’s insurance. While the property you are renting is usually covered in your lease, your possessions inside that property are not. A lot of places in the Cincinnati, OH area even require insurance in the lease. Spring is a great time to renew or find a great rental insurance company. Advantage Insurance Network serving Cincinnati, OH would love to be that company.

If you have any questions about renters insurance or need a quote, contact Advantage Insurance Network today.

Having Health Insurance Can Preserve Your Good Health

Something you may not have considered before is the overall health benefits of having health insurance. Most people realize that having health insurance is a great idea, but did you know that people that keep health insurance coverage tend to be healthier? 

Maintain Good Health

The reason that people with health insurance are overall healthier is that they have access to preventative care that their coverage provides. Most insurance companies allow you to schedule regular checkups and screening for health conditions as part of their health insurance policy. This helps them keep their costs down by catching health conditions early on. When these conditions are detected early they are much easier and inexpensive to treat. People who wait to address serious health concerns are less healthy because they usually sustain serious damage to their overall health and well being as a result of their failure to participate in regular screenings and check-ups. Individuals with access to health insurance normally take full advantage of these allowed screenings and checkups because they want to lead healthy lives. It is a win-win situation for both the insurance company and the covered individual.

Health Insurance Coverage Pays Off

It may seem like a headache to have to pay your health insurance premiums monthly, but it will end up actually saving you money in the long run, and will help you lead a longer, healthier life. It is worth the investment in your self and your financial well being to maintain health insurance coverage. There are plenty of affordable plans on the market that will fit your individual needs. If you would like more information on health insurance coverage, contact Cincinnati, OH, Advantage Insurance Network.

If you want personalized service when selecting your health insurance coverage, you should call or stop by Cincinnati, OH, Advantage Insurance Network. The experienced and caring staff can help you get the coverage you need to enjoy good health for a lifetime.

Protect Your Disabled Loved One with Life Insurance

Life expectancy rates continue to rise. Currently, someone born in Cincinnati, OH can expect to live to the ripe old age of 76. If you are the primary caregiver for a physically or intellectually disabled loved one, this fact can be cause for great concern. Who will take care of your disabled loved one after you’re gone? Your life insurance policy can help provide financial support for your dependent adult.

Defraying the Financial Burden of Disability

Disabilities are expensive. The cost of equipment, specialized care, and frequent medical services can burden even the most affluent caregiver. Government payments like SSI and other assistance programs are helpful, but often don’t cover the full cost associated with raising a disabled person’s quality of life. It’s up to the caregivers to make up the difference with their personal income.

When a caregiver passes away, the cost of living for the disabled person does not change. Savings and trust accounts can help. However, it’s often difficult for people in these situations to save any meaningful amounts of money. An active life insurance policy will pay directly to your loved one or their designated caregiver. These funds can be used for medical payments, housing, or anything else they may need.

Ensuring Your Loved One’s Future

Caregivers should investigate their options before committing to any insurance policy or extended care plan. In some circumstances, inheritance money can affect their ability to receive certain types of government assistance. In these cases, a trust fund can be set up in your loved one’s name. The insurance would be paid out to the trust. The money could then be accessed by your loved one when needed, without compromising any other necessary payments they receive. The experts at Advantage Insurance Network can help you decide the best strategy for your situation.

Make sure all the special people in your life are taken care of after you’re gone. The representatives at Advantage Insurance Network can help you customize an insurance package that protects all the things you hold dear. Contact our office in the Cincinnati, OH area today.

Will I Need Additional Coverage with My Renter’s Association Insurance Policy?

Renters living in an apartment complex or home in Cincinnati, OH can definitely benefit from having their own policy. But what exactly is the renter responsible for? What duty falls upon the landlord? Will I need excess coverage where my rental policy falls short? If you are renting, it is beneficial for you to look into the benefits of having renter’s insurance. Advantage Insurance Network has your questions answered below.

Renter’s policies usually cover the same things a home insurance policy would cover. Things that have been damaged, destroyed, or stolen from your home are an example of these things. Other things covered by a renter’s policy? The legal liability in the case that someone is injured on your property. One of the benefits of renter’s insurance is that in the case of a lawsuit, the insurance company must provide the renter with defense.

Renter’s insurance is not required by law in Cincinnati, OH, but many landlords will require tenants to obtain some before their move-in. This requirement is often written into the lease agreement the tenant signs.

With all of these rules in place, do you really need more coverage for your rented place of residence? Renter’s insurance covers your belongings, but what about the structure of the building such as walls and flooring? In the case of renters and landlords, the responsibility to insure falls upon the owner of the home. The building owner will probably have a policy to protect the building in the case of a fire or flood. The owner of your apartment complex or home is also responsible for general liability.

If you have more questions, contact Advantage Insurance Network today.

What Can You Do To Protect Your Condo?

 Condos are a great convenient living option for many people. Keeping your condo safe and secure begins with a great renter insurance plan or condo insurance plan. In addition to that, here a few other steps you can take to make sure your condo is a safe haven.

Install and Check Smoke Detectors

Smoke detectors are the first line of defense in protecting your condo from unnecessary fire risks. Smoke detectors are only as effective as their maintenance, however. Installing smoke detectors properly is only the first step. Smoke detectors should be checked regularly to ensure that batteries are operating properly.

Install Carbon Monoxide Detector

Carbon Monoxide has been called the silent killer because those who fall victim to these toxic fumes rarely realize that they are even in danger. Carbon Monoxide is a deadly gas that can build up in a room or home. Once this fume reaches dangerous levels it can become lethal for those inside. A carbon monoxide detector can alert homeowners to levels of carbon monoxide inside the home.

Install Security System

If your condo did not come with a security system, then making the effort to install and activate one is a great way to keeping your home safe. Security systems add an extra layer of protection to your home and alert rescue workers if there is an emergency.

Good Lighting

Good exterior lighting is essential to keeping a safe environment in your condo. Interior lighting is also necessary to avoid accidents at night within your condo. Keep light bulbs checked regularly in your interior and exterior fixtures.

Be Neighborly

Getting to know your neighbors is also a great way to make sure that your condo is a safe place while you’re home and while you’re away. Neighbors are a great support system to help you keep your place and the entire complex a safer place.

For more information on how to insure your condo contact an agent today at Advantage Insurance Network serving the Cincinnati, OH area.