Author: AgentInsure

Stay Safe Behind The Wheel By Being Awake And Alert

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Any time that you are driving in Cincinnati, you need to be awake and alert. You may think that these sound like normal responsibilities, though approximately 60% of adult drivers will drive when they are drowsy. 37% will even fall asleep, and this can lead to 100,000 police reported crashes every single year.

The best way to avoid being one of these statistics is to stay safe behind the wheel. Be awake and alert at all times – and there are tips to help you do this.

You should always get a full 7 to 9 hours of sleep every night, and this is recommended by the National Sleep Foundation.

If you are driving down the highway and feel the urge to fall asleep, pull off at a rest area and take a 20 minute nap. If you have a long distance to go still, you may also want to consider checking into a motel or hotel.

Whenever you are going long distances, try and split the driving responsibilities within another licensed driver. You should also plan on taking a break from being behind the wheel approximately every two hours or 100 miles.

If you do feel tired and don’t want to drive, don’t push yourself and risk getting into an accident where injury or death to you or someone else could occur. Ask someone to drive you home, or even call a taxi company. It’s better to spend the money on a taxi then to risk your life on the road.

The roads of Cincinnati, Ohio can be dangerous enough as it is, and you need to make sure to stay safe when you are driving.

Call us at Advantage Insurance Network to learn more about auto insurance. Our agents can get quotes and guide you to the best policy to have in Cincinnati, Ohio.

 

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Is Your Cincinnati, Ohio Business Insurance Keeping Pace?

Posted on by AgentInsure

We have seen some big changes to Cincinnati, Ohio in recent years. Industry has expanded, retail is growing, and the Riverfront has undergone a facelift. There have been significant changes to our area highways and our sports stadiums. Many areas are rebounding from the recent recession and many businesses are growing and doing well.

If you have a business in the Queen City, is your commercial insurance keeping pace?

You can outgrow your business insurance in many ways. Perhaps you were previously leasing but have decided to purchase a building. Maybe you carry more inventory than you used to. You may have made investments in new machinery, electronics and computers. Maybe overall, you simply have more at stake. All of these can factor in having business insurance that may no longer cover you adequately.

The best solution is having a commercial insurance review. Advantage Insurance Network is an independent insurance agency serving the Cincinnati area. As independent agents, we can review your insurance, no matter who the original underwriter was. If you choose, we can scour multiple insurance providers finding the best coverage for your commercial insurance dollar. If you haven’t had an insurance review in a while, now is the time to contact us.

If you would like to compare rates for your personal insurance, visit our website. Here you can easily get comparative quotes on your homeowners or auto insurance. For a business insurance quote, contact us directly.

We have seen it all in Southwest Ohio. Advantage Insurance Network is proud of our area and our resilience. As we move forward again, make sure your business insurance is keeping up. Contact us for your free, no obligation commercial insurance review. We look forward to talking with you.

Is A Sinking Foundation Something That Could Happen In Cincinnati?

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Cincinnati, Ohio is a bustling metropolitan with a lot to offer. Homes can be located within the city or on the outskirts. While some of the homes are older, there has been some new construction as well. Residents can look forward to the ballet, theatre, and a variety of other entertainment options throughout the city.

When you are ready to buy homeowners insurance, you have to know what kind of coverage to be on the lookout for. The standard insurance will protect you against the most common things, such as fire, flood, and burglary.

However, there is the possibility of a sinking foundation. This is when the land around your home gives too much and your foundation starts to collapse. This can affect your porch, the structure of your home, and even create cracks along the walls.

The reason that a sinking foundation occurs varies. Most common reasons include:

– Poor site preparation

– Too much moisture on the land

– Lack of good drainage

Whatever the reason, it is possible to experience such a problem with your home in Cincinnati. This is why it’s recommended that you look for this kind of coverage on a homeowner’s insurance policy. If something like this does happen, you can call the insurance company and file a claim. They will have someone come out to identify what’s going on and get to work on fixing it. All you have to pay is the deductible attached to your policy.

You have to prepare for the unexpected and that’s why homeowner’s insurance is a necessity. You have options and we have agents that will guide you through the process. All you have to do is place the call and we will work to find you the needed coverage in Cincinnati.

Will Homeowner’s Insurance Protect Against Roof Damage?

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When you live in Ohio, you’re considered a buckeye. There are many sports teams out of the state, including NFL, NBA, and MLB teams. In addition to sports, there’s a lot of theater, dance, and other forms of entertainment. Fairs and festivals take place year round. With so much to do, it’s no surprise that residents often choose to stay in the state for life.

Having homeowners insurance is a must. You want to protect your home and insurance allows you to do that more effectively. It’s required if you have a mortgage, but even if you own your home free and clear, an insurance policy makes a lot of sense.

If you experience roof damage because of a storm, you’re going to turn to your homeowner’s insurance to pay the claim. The last thing you want to hear is that they are rejecting it because you don’t have that kind of coverage.

Just because you have insurance does not mean they are going to cover everything. Every insurance company is different in terms of what they cover. That means it is up to you to add the coverage that is needed to protect your home to the fullest.

The best thing to do is work with an agent. You want storm protection so that if there’s roof damage, the insurance company pays. We will work to get you that kind of coverage – and get quotes from the multiple insurance companies that work within Ohio.

With multiple quotes comes the ability to see all of your options in a plain and simple way. You can find out who has the best prices and who is going to provide you with the highest level of coverage.

Call us today and let us make sure you have the storm coverage need on your policy in Ohio.

What Happens If I’m Hit In A Parking Lot In Delhi?

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Delhi, Ohio is a township located on the west side of Cincinnati. The population is around 30,000, though many people choose to live here because of affordable home prices. In 2014, Delhi was named the 18th safest neighborhood in Ohio.  Further, there is not as much traffic. Plenty of people make the commute and that’s because most of the attractions are within the metropolitan area.

If you get hit in a parking lot in Delhi or anywhere else, you want to know that you are protected. You may or may not find out about the car who actually hit you. Car insurance should be able to take care of the claim, but only if you have the right kind of coverage.

Anytime you buy automobile insurance in Ohio, you want to look at your options. This is why it can be advantageous to work with agents. Our goal is to help you get the best possible coverage in Delhi so you are protected while your car is in a parking lot, on the roads, or even parked in your driveway.

Comprehensive insurance is the additional coverage that you can get on your policy to protect when you’re not behind the wheel. The state of Ohio requires you to have liability insurance, but this is only good for when you’re on the roads. If you’re hit in the parking lot while you’re doing your grocery shopping or a shopping cart hits your side mirror, you will want to file a claim with the automobile insurance and know you’re not going to have to pay.

Make the call today and talk to one of our independent agents. We will help you to get a policy in Delhi so you have peace of mind that you have protection regardless of whether you’re on the road or in a parking lot.

4 Things To Ask Agents About When Getting Quotes In Cincinnati

Posted on by AgentInsure

Many people flock to Cincinnati, Ohio because of the many opportunities for homes as well as small businesses.  When you want to purchase automobile insurance for you and your family, there are some things you need to ask agents when you get quotes.

1. What coverage do I need?

You must meet minimum standards in the state of Ohio, though there are other options that you need to consider as well. You want to look at increasing the liability standards and obtaining comprehensive and collision insurance, too.

2. Is the company reputable?

The insurance company you go with needs to be reputable. They should be known in the state and have a good track record of paying claims in a timely manner. This ensures you never have to wait too long for repairs to be made.

3. What’s the best price?

Ensure you get quotes to get the best price. Comparison shopping is a must so you know what the various premium prices are from the many companies.

4. Am I getting all discounts?

Discounts can be obtained for being a homeowner, a good student, for commuting less than 10 miles, and for being a member of different organizations.

Once you have talked with an agent about automobile insurance in Cincinnati, you can be confident that you are getting the most affordable and most comprehensive policy for your money. As you drive, it’s easy to have peace of mind.

Our agency will help you to get quotes. Call today and let one of our agents guide you through the simple process of buying good automobile insurance.

What is the Average Cost of a Motorcycle Insurance Policy in Delhi, OH?

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Anyone who has a motorcycle in the area of Delhi, OH will need to maintain the proper kind of insurance coverage to make sure that they are protected from accidents and damage of all kinds. The average cost of a motorcycle insurance policy varies greatly because the coverage that each individual may choose is different.

Generally speaking, there are a few types of coverage that nearly every motorcycle owner will decide to include in their insurance policy. If you include the following three types of coverage in your insurance policy and choose a deductible that you know you can afford, you will usually be able to get the best average rates for a motorcycle policy.

Liability: This is the insurance meant to cover other people. If you’re the one who caused the damage in an accident, the liability coverage will pay for the damages to any others (but not to your own motorcycle.)

Collision: This type of insurance will pay for repairs to your motorcycle whether you caused the damage or not. The only caveat is that the damage must have been caused by, as the name implies, some kind of collision.

Comprehensive: This coverage pays for motorcycle repairs or damages that don’t fit into the collision category. For example, if your motorcycle was stolen, your comprehensive coverage will pay for the repairs. This coverage can also include other things like vandalism, damage from animals, and weather related damages.

To get the average cost for the type of motorcycle policy you want, it is important that you do some comparison shopping. The Advantage Ins Network can provide you with several different policy choices from leading insurance providers – we give you the tools to choose the rate and policy you want!

What Does Flood Insurance Cover in Norwood, OH

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Flood insurance in Norwood, OH is a type of coverage that may often be misunderstood. Sometimes, people think of floods only in terms of those that might happen within the home – for example, what might occur when someone accidentally leaves the bathtub water tap on and the house is under several inches of water hours later. In fact, that is usually not the type of flood that flood coverage is really designed to cover. The majority of flood coverage is provided by the National Flood Insurance Program (NFIP) and then administered through your own insurance agent.

The flood coverage in policies today is generally divided into two areas. First, the actual house itself. This part of the flood coverage will pay for damage to nearly any part of the home from the basement up to the roof. This coverage is designed to pay for damage to the physical structure of the home, and is not going to cover anything within the home unless it is part of the physical structure.

The other part of most flood policies today is that which does cover the personal property within the home. This will include nearly any of your possessions, including clothes and furniture, and usually virtually anything else. However, items like precious metals (gold bullion for example,) stock certificates, and large amounts of cash aren’t usually included.

Your flood coverage is meant to be as complete as possible. If your home was damaged by the type of flood that was an act of nature, one which was entirely beyond your control, this is the type of situation when your flood insurance will step in to pay for your damages and help you rebuild your home to its pre-flooding state.

This can include rebuilding from the ground up, or it can include rebuilding only the necessary areas, for example doing debris removal and reconstructing walls damaged due to rot. This type of insurance can be a complicated matter to understand, so it’s very important to have an agent that really knows what they’re doing. Our independent agents at Advantage Ins Network can help you get exactly the flood coverage you need to make sure you’re protected to the fullest extent!

Factors That Affect Homeowners Insurance Rates in Ohio

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Your home in the Cincinnati, Ohio area has many factors that affect the rate you pay for homeowners insurance. Understanding these factors will go a long way to making sure you have the full coverage you need. Advantage Ins Network will even let you compare homeowners insurance rates online, so you can see the different variables that make up your quotes and get the best rates possible.

Major factors that influence your homeowners insurance rates include the size and value of your home. A home with a value of $200,000 will cost more to insure than a $65,000 home. The amount of your deductible also plays an important role. The higher your deductible, the lower your rate.

Common factors include:

  • Distance from a fire station or hydrant
  • Type of roof material and age of roof
  • Age of home
  • Age of plumbing, HVAC and electrical systems

Your personal factors also can increase your insurance costs. If you have a swimming pool, or a dog that is classified as aggressive, you will pay a higher insurance premium. If you have made numerous claims against your insurance, your rates will also be higher.

Unfortunately, if there are numerous abandoned homes in your area, you may pay a slightly higher insurance rate. You may be able to reduce the rate with the installation of fire and smoke alarms. Talk to us to find out what you can do for improvements.

Do remember that your Cincinnati home is not protected from floods under your regular homeowner’s policy. If your residence was built along low-lying banks of any river, talk to us about a flood insurance policy. Advantage Ins Network is your independent agency for the Cincinnati area, and we are available to help you with all your insurance needs.

Buy Cheap Auto Insurance Policy in Cincinnati, OH

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All drivers need auto insurance to protect their financial interests when operating a motor vehicle. We make it easy to shop and compare car insurance in Cincinnati, OH by simply logging onto our website, entering your information and generating a free, no obligation quote.

Keep in mind that auto insurance is not optional in Ohio. In fact, the consequences of driving without car insurance in OH are significant, ranging from a 90 day to 1-year suspension of your license. The state may even impound your vehicle after multiple offenses. At our office, we can help you find a policy that not only meets the state’s minimum property and bodily injury liability coverage requirements, but also helps pay your own medical bills and personal property repairs following a collision or other covered event.

Accidents are never planned for — they are always unexpected. Waiting until after a collision or other accident has occurred could be too late. That is not the time to find out if your insurance policy is lacking vital coverage. We encourage all drivers to know exactly what their policies cover and review them twice annually to ensure the same or better coverage cannot be found at a more affordable rate.

Shop and Compare Ohio Auto Insurance Today

Our agents simplify the insurance purchase process and help ensure you never have a lapse in coverage. Our goal is to see every Norwood area driver get the coverage they need at a price they can afford. Our helpful agents have assisted many area residents in identifying gaps in existing coverage and lowering monthly premiums. If you are currently without car insurance or have not compared rates within the last six months, don’t wait to get the coverage you need. Request your free quote today.