If you’ve recently become a condo owner, prioritizing understanding your insurance coverage is essential. This is a necessity if you have a mortgage. Typically, your condo association will have a master policy that covers the building itself, while your condo insurance will kick in when the master policy’s coverage ends. Reviewing and comprehending the master policy is integral to ensuring you obtain proper coverage. You’ll most likely be held accountable for your personal belongings and anything you own inside the condo. We at Advantage Insurance Network in Cincinnati, OH, encourage you to consider why you need condo property insurance.

Condo Property Insurance Covers Personal Belongings

Property insurance provides coverage for repairing or replacing stolen or damaged possessions – from clothing, jewelry, furniture, and electronics to collectibles and other valuables.

Condo Property Insurance Covers Your Neighbor’s Property

Ohio condo insurance may also provide coverage for your neighbors’ condos should a fire originate from your property and spread to theirs. It’s always recommended that you verify that your policy includes this coverage. The Advantage Insurance Network team is here to assist you.

Condo Insurance Covers Accidents

Liability insurance will cover their medical costs if someone encounters an accident on your property, whether it be a friend or a trespassing stranger. Shield yourself from this potential financial burden.

Condo Insurance Covers Food & Accommodations

In the unfortunate event that your condo sustains damage, you can rest assured that the right condo insurance plan will cover the expenses incurred for alternate living accommodations, food, and transportation.

Contact Advantage Insurance Network Today

The friendly Advantage Insurance Network Team in Cincinnati, OH, is ready to help you secure your condo insurance coverage. Get in touch with us today.

Some residents of Cincinnati, OH believe they don’t need flood insurance because they don’t live near the Ohio River or its tributaries. However, many people remain at risk because of climate change and outdated floodplain maps that the US federal government still needs to update. Advantage Insurance Network can advise you on why you may need a flood insurance policy.

You May be Financially Vulnerable to Floods

Government statistics indicate that more than 25% of National Flood Insurance Program (NFIP) claims are filed by homeowners not in designated floodplains. That statistic should make you think twice. If you live in an area where your yard tends to flood during heavy rains, your basement could end up flooding, too. Flooding is a temporary condition that can cause thousands of dollars of damage and financially ruin homeowners.

Your home insurance only covers some types of water damage, notably that incurred by broken pipes or if a severe storm breaches your home and results in an incursion of water from the roofer or a broken window directly related to a storm. Flood insurance policies will also generally cover sewer backups directly associated with excessive rainstorms. Some homeowners’ policies cover sewer and sump pump backups for various reasons. Before buying additional insurance, read your policy or see if a rider can cover any flooding issues.

So What Do I Really Need?

The first thing to consider is your area’s elevation. If you see frequent standing water in your yard following excessive rain. If your neighbors’ basements also tend to flood after rain, take that as a warning sign. Look to the Advantage Insurance Network, which serves Cincinnati, OH, to provide you with sound recommendations for flood insurance coverage. Call our office today to get started on your policy.

You must purchase motorcycle insurance before riding your new motorcycle on the roads of Cincinnati, OH. At Advantage Insurance Network, we want you to understand the types of coverage you can add to your bike policy.

Types of Motorcycle Coverage

Motorcycle insurance offers many types of coverage that a bike owner can use to protect their investment and driving liability. In any policy from our agency, you can include collision, comprehensive, medical, property liability, bodily injury liability, roadside assistance, etc. 

Liability

Every policy includes the state-required bodily injury liability that pays for injuries you cause to others in an accident. Each policy also includes property damage liability that pays for damage you cause to another person’s vehicle or other property.

Collision

Instead of choosing a policy that only provides the state minimum liability coverage, add coverage that protects your bike investment. For instance, collision coverage pays for damage to your motorcycle regardless of who causes the accident. It covers damage in single- and multi-vehicle accidents.

Comprehensive

Comprehensive coverage ensures you won’t have to pay out of pocket to replace your bike if a peril in the policy damages it. Whether it gets stolen or hail damages it, your insurance policy covers it.

Medical Payments

Medical payments coverage pays for your medical bills or funeral expenses regardless of who causes an accident. This applies to single-vehicle accidents, too. Your medical payment coverage also protects a rider you have on your bike with you during the accident.

Roadside Assistance

Adding roadside assistance to your policy provides 24-hour, seven-day-a-week protection while on the road. If your motorcycle runs out of gas, a tire goes flat, or it breaks down on the road, you call a 1-800 number, and the roadside assistance service comes to help you.

Contact Us Today

With Advantage Insurance Network, you can build a policy that protects you, your motorcycle, and others on Cincinnati, OH, roads. Call us today to build a policy that serves your every need.

The warm summer months can be a lot of fun for those who live in the Cincinnati, OH area. Investing in your own boat can be a great option when you want to enjoy this time of the year. Along with your boat purchase, you should also carefully shop for a boat insurance plan, as it has various benefits. 

Coverage for Boats

It is always a good idea to have boat insurance in Ohio so you can protect your boat. When you buy a boat in this state, you can find that it is a major investment and purchase. A full boat insurance plan is a great way to ensure your purchase and investment is supported. This will ensure you have support if the boat is stolen or damaged and you incur a loss.

Liability Mitigation

It is a good idea to get a boat insurance plan to ensure you are able to mitigate your liability risks. There are always risks that come when you use a boat. If you cause an accident, you can be held responsible. Fortunately, when you are fully insured with a boat insurance plan, you will receive liability support that can help to cover such damages.

It can be a great idea to get a proper boat insurance plan when you are in the state of Ohio. When you are in the Cincinnati, OH, area and would like to get a boat, you should call our team with the Advantage Insurance Network to discuss your boat insurance needs. When you start searching for boat insurance with us at the Advantage Insurance Network, you will get all the help you need to build the right plan for your situation. 

Perhaps your employer doesn’t provide health insurance, or you’re self-employed. Everyone needs health insurance to prevent severe financial losses in case of a health emergency. A comprehensive policy makes maintaining good health and peace of mind easier. The agents at Advantage Insurance Network in Cincinnati, OH will help you choose one that makes sense for your needs.

What Does Health Insurance Cover?

Health insurance typically covers preventative and emergency care that can keep you healthy and save your life. Although each policy may vary, preventive services may include individual and family screenings, check-ups, and immunizations. When treatment is most effective, healthcare providers often detect problems in the early stages. Regular care and attention can lead to better outcomes and lower total healthcare costs. 

Your agent can help you determine services covered under various policies. Deciding factors may include the total cost as well as the number of benefits included. Remember that most policies include office visits, screening tests, hospital stays, medical equipment, and prescriptions. You’ll also want to know if you can choose your preferred providers since many plans have a list of approved doctors you must choose from.

Benefits of Health Insurance

There are many benefits to securing health insurance on your own. It helps pay for prescriptions and medical bills. You can stay out of medical debt with the proper protection in place. Of course, it’s important to know the annual and lifetime limits of your policy before making a final decision. 

The right plan contributes to a healthier life and gives you access to the right healthcare providers when you need them most. To detect and treat a plethora of health ailments, speak to your agent about policies that fit your needs and budget. 

Choose the Right Insurance Agency

You can get coverage even if your employer doesn’t offer a group plan. Finding the right health insurance is important, but you don’t have to do everything yourself. Remember that you are not alone. Talk to the pros at Advantage Insurance Network in Cincinnati, OH for peace of mind about health insurance.

Condo insurance protects the possessions you store within your condo. Learn how this type of policy works. Then, contact one of our agents who represent Advantage Insurance Network in Cincinnati, OH for assistance with purchasing a policy.

Primary Coverage

The owner of the property that you live on is responsible for maintaining primary coverage. This type of insurance protects residents’ outdoor property and common areas. The primary insurance does not cover personal possessions that a condo owner is responsible for.

Personal Coverage

Personal condo insurance protects against theft and vandalism. It also provides protection against damage that occurs from a natural disaster. The amount of personal coverage you pursue should depend on the value of your belongings. The location of your condo may influence how much personal coverage you seek.

Loss Of Use

Your condo insurance policy may provide coverage that will pay for expenses associated with hotel stays. If your condo becomes uninhabitable, the loss of use will require you to make other living arrangements. Any costs that are incurred may be covered during this time.

Deductible Requirements

Before you purchase an insurance policy, you will need to learn about the deductible requirements for the policy. The deductible is the amount of money you must pay before an insurance claim is approved. This amount may vary based on the exact policy type being purchased.

Reach out to our office!

If you recently purchased a condo, contact one of our agents who serve Cincinnati, OH. Advantage Insurance Network offers many condo insurance products that will provide reliable coverage for your residential dwelling.

You’ve finally purchased the motorcycle of your dreams in Cincinnati, OH; now it’s time to insure it. Yet you’re faced with a wide range of policy costs. Is it worth getting full coverage motorcycle insurance? Advantage Insurance Network recommends getting coverage above the state minimum for most riders.

Ohio’s Minimum Coverage for Motorcycles

Ohio requires motorcyclists to have liability insurance for bodily injury of $25,000 per person and $50,000 per accident, plus property damage of $25,000 if an accident occurs. You are not required to take any other types of coverage for your policy. A liability-only motorcycle policy can be much less expensive than a full-coverage policy. However, it’s not a wise choice, especially if you have an expensive bike. If you are involved in a wreck, you’ll have to pay for the repairs out of pocket.

Components of a Full Coverage Policy

Full coverage policies for motorcycles are similar to those for autos. Collision coverage pairs for repairs or replacement of your bike resulting from an accident with a vehicle or object. Comprehensive covers theft and damage incurred from fire, floods, falling objects, and similar events. The latter is beneficial if you store your motorcycle during the winter. Some policies even have a complete replacement or an upgrade provision if your motorcycle is totaled in a covered incident. Riders can also opt to get insurance for their cycle’s accessories,  but coverage amounts vary by insurer. Other options include uninsured/underinsured motorist coverage and personal injury protection (PIP).

Let Our Agents Help You

Advantage Insurance Network, serving Cincinnati, OH, can help you select the right motorcycle insurance policy to meet your needs. We can recommend appropriate coverage amounts and add-ons to keep your bike safe. Contact us today for an appointment.

If you are a lucky motorcycle owner, you probably understand how crucial it is to carry proper motorcycle insurance. This insurance protects you as a rider, your motorcycle, and financial well-being. If you are currently shopping for motorcycle insurance, make sure to consider the following factors:

What Factors To Consider When Looking for Motorcycle Insurance

• Motorcycle type. Motorcycle insurance is similar to auto insurance, so the style of your motorcycle, model, make, and year impact how much your insurance costs. Some motorcycles are more expensive to insure than others. Usually, sports bikes are the most expensive ones to insure. 
• Coverage type. There are several types of motorcycle insurance to choose from. Depending on the policy type you choose, it can cover different things. Standard insurance usually covers the bike, you, your passengers, and other vehicles on the road. Some policies can also have additional coverage, such as roadside assistance. 
• How often do you ride your bike? You should choose motorcycle insurance depending on how frequently you ride your metal dragon. If you ride it occasionally, the state’s minimum coverage might be enough for you when the weather is warm and nice. However, if your bike is your primary mode of transportation, you should get enhanced coverage. 

Advantage Insurance Network – A Network of 25 Top-rated Insurance Companies in Cincinnati, OH

Are you looking for motorcycle insurance in Cincinnati, OH, or any other nearby area in Ohio? Feel free to contact Advantage Insurance Network, which will shop for insurance for you with multiple insurance companies. Our mission is to help you find an insurance plan to address your needs and suit your budget. Contact us to learn more about the insurance options we can offer. 

When days are nice, and you want to take the boat out, it’s essential to ensure you’re covered just in case of problems. With boat insurance, you’re protected from many potential financial problems. Boating accidents do happen, and they can be devastating financially. If you’re a boater, don’t go a day without insurance for your boat. To get started, call us at Advantage Insurance Network in Cincinnati, OH, and find out more. 

Liability Coverage

Liability protection is one of the most important types of coverage for your boat. Boat insurance works much like auto insurance. There are different coverage types that you can opt for, and liability is one of them. This protects you financially if there is a boating accident in which someone is injured. If a boating accident is judged to be your fault, all the bills for the injuries would be up to you. This type of coverage would pay those bills. It’s important to have at least this type of coverage to protect yourself. 

Collision Coverage

Like auto insurance, boat insurance has collision coverage available. This covers the damage done to your own boat if you cause a boating accident. This is good coverage for repairing or replacing your boat after an accident. Without this coverage, you may be left without a usable boat because of damage or sinking that you can’t pay for. 

Personal Property

Another type of boat coverage is for the personal property on the boat. Many boats have expensive equipment on them. Some have luxury materials that would be extremely expensive to replace. This coverage can allow you to get the things you need to replace your damaged or destroyed belongings. 

Get Boat Insurance

If you don’t have boat insurance, call us at Advantage Insurance Network in Cincinnati, OH.