advantage insurance network

Independent Insurance Agents at Forefront of American Freedom

Posted on by AgentInsure

As is true in most industries, insurance has companies that conduct business with little regard for the needs of the individual people and businesses in Cincinnati, OH. In effect, clients become mere numbers on an actuarial table that help the main headquarters, located somewhere else, pay its board members extravagant annual bonuses. Yes, it is unfair to the average person in Ohio. For this reason, and others, independent insurance agents remain at the forefront of salvaging American freedom.

Independence Means Freedom

Insurance provides policyholders with the resources to withstand life events that could otherwise prove crushing. Disasters that destroy homes, devastating road collisions and liability for workplace injuries are just a few ways that people can find themselves needing financial help to remain solvent and with a roof over their heads. The independent agents at Advantage Insurance Network help provide the level of coverage needed to survive such unexpected calamities.

Independent agents remain free to give a client an objective analysis of their particular situation. There is no product that the home office requires selling. Instead, people know that when they purchase an Advantage Insurance Network policy, it is what they need for family, home or business.

Moreover, independent agents offer real choices. They are not beholden to any particular brands. Clients receive a variety of options and quotes to choose from.

Stay Free by Dealing With Independent Insurance Agents in Ohio

In so many ways, Americans witness their freedoms eroded each day. Buying insurance, which is a virtual necessity, does not have to be one of those times. Just contact the independent agents at Advantage Insurance Network, serving Cincinnati, OH, for more information on options or use the easy online quote feature today.

 

 

Be Prepared With These 5 Tips When The Power Goes Out

Posted on by AgentInsure

You always hear about ways to be prepared for when the power goes out, but very few times are these preparation tips actually shared. Below you will find five tips that will help you if you lose power so that you can last for hours or even days.

Have Flashlights

When the power goes out, you aren’t going to be able to turn on lights. This is why it’s a good idea to have flashlights as well as backup batteries. Everyone in your home should be able to have their own flashlight so that they can safely move from room to room.

Have a Means of Heating up Water

Water needs to be heated up for purification, sanitation, and even doing laundry. Since you cannot use your electric stove, you may want to think about an outdoor rocket stove, a solar oven, or even a gas grill.

Stock the Pantry

Stock the pantry with items that don’t need to be heated. You want to choose high protein items that your entire family will enjoy. Jerky, Spam, protein shakes, peanut butter, granola bars, and other items are all good choices.

Freeze Water Bottles

Keep bottles of water frozen in your freezer at all times. If the power goes out, these can help to maintain the temperature for longer so that your food doesn’t spoil.

Purchase the Necessities

Various necessity should be purchased so that you always have them available – such as an emergency radio, a solar charger for your cell phone, and battery-powered fans.

At Advantage Insurance Network we are here to help you stay safe within your home in Cincinnati. Call now and one of our friendly agents can guide you through the process of purchasing the right policy, including getting quotes from some of the best insurance company that issue policies in Ohio.

 

 

How to Get Covered for a Hit & Run

Posted on by AgentInsure

When you live in Cincinnati, Ohio, traffic can be overwhelming. You want to make sure you have plenty of coverage against accidents, including hit and runs. Whether you hit someone or they hit you, it can leave you high and dry to deal with all of the repercussions alone.

A hit-and-run can cause damage to your vehicle and injuries to you as well as the passengers in your car. Instead of reaching into your pocket to pay for everything, it’s going to be much easier (and cheaper) to file a claim with your insurance company. You just need to make sure that you have plenty of coverage in place.

Hit-and-run coverage is going to come in the form of several forms of optional insurance that can be added to your policy. You choose the limits as well as the deductible.

Collision – this is the type of insurance that may be able to pay for all of your auto repairs, regardless of who was found to be at fault.

PIP – this is the type of insurance that will cover medical bills, lost wages, and even child care. It can provide coverage for you as well as all of your passengers.

Uninsured motorist – this is the type of insurance that is available in bodily injury and property damage. When someone isn’t insured, this coverage can ensure that all of the bills are still paid.

Medical bills – this is an additional form of coverage that can pay medical bills for you and your passengers so that it doesn’t become your personal financial responsibility.

At the Advantage Insurance Network, we are here to help you save money on auto insurance. Call today and learn how one of our independent insurance agents can save you money on hit-and-run coverage and much more.

 

 

What Insurance You Need For Your Home Based Business In Cincinnati, OH

Posted on by AgentInsure

Having a business in Cincinnati that is in your home requires specific types of insurance. While you likely have a homeowner’s insurance policy, this coverage is likely not going to extend to your business. This means it is important to know about the coverage that is available so that you can build the best possible policy.

Business property coverage: this is the kind of coverage that can protect against computer and merchandise loss, as well as any other property that is business related.

General liability coverage: liability is important because you may have clients visiting you at your home. This kind of coverage can provide protection against lawsuits, particularly claims of negligence, injuries, and more.

Employment practices liability coverage: this kind of coverage is needed when you start to hire employees. It can provide coverage in the event of facing allegations for wrongful termination, sexual harassment, and other issues.

Business interruption coverage: your business may be interrupted as a result of cover losses, such as fires or tornadoes. This coverage can provide business income throughout the interim so that you are not facing a complete financial loss.

Running a business out of your home is just like driving a business car around. Even though you have auto insurance, it is not necessarily going to provide full coverage because you are using it for business, not for pleasure. Your home is not being used solely for living – you are operating a business.

Call us at the Advantage Insurance Network today to learn what kind of business is needed for your home-based business, based upon what is unique to you as a homeowner and business owner. We will work to help you get the most affordable premiums and provide you with peace of mind knowing that you have sufficient coverage.

 

 

Winter Indoor Fun In Cincinnati, Ohio

Posted on by AgentInsure

When your kids are at home in the wintertime of Cincinnati, it’s important to know more about the indoor fun you can have. Knowing some of the activities that are fun can ensure no one gets bored and starts to complain. There are quite a few ways to have fun, even when cooped up indoors.

Create a Board Game

Forget about the same boring board games that the kids have been playing forever. Instead, let them create a new game to play – and they can borrow from some of the games you may already have.

Make Salt Dough

Whip up a batch of salt dough using salt, flour, water, and oil. It can be colored and formed so kids can create an array of statues, figurines, ornaments, and more. Most recipes even allow you to bake the goodies so they never have to go back into a baggie or can.

Write a Story

Let the kids run wild with their imaginations and write a story. Each kid can write their own or you can suggest that they collaborate on one. It can be a great way to keep them busy for hours, especially if you encourage them to illustrate the entire story as well. You may end up with a new holiday tradition at the end of this winter.

Have a Dance Party

Many times, kids get restless and therefore you need some way of making sure they get some exercise. A dance party kills two birds with one stone because they get their exercise and they have fun in the process. Invite some kids over, crank up the music, and let them go to it.

At Advantage Insurance Network we’re prepared to help you find homeowner’s insurance in Ohio. Call today and learn about the different coverage options, and more.

 

 

Cincinnati Car Care Tips For The Fall

Posted on by AgentInsure

When you live in Cincinnati, it is important to follow a variety of car care tips throughout the year. In the fall especially, there is colder weather and various things you may need to be concerned about. The weather may bring snow, ice, and various other issues on the road. Following a few tips can ensure that you and your car are able to proceed.

Check the Battery

The battery should be checked before the weather gets too cold. Your battery is not going to deal with the cold weather very well and therefore connections need to be tight, clean, and corrosion free.

Inspect the Tires

Inspect the tires for tread depth as well as tire pressure. This will have a significant impact on your ability to drive down the roads, especially as weather gets worse. A gauge should always be kept in your car so that you can check tire pressure on your own.

Schedule an HVAC Inspection

Schedule an HVAC inspection with a mechanic so that you can make sure that the heating system is working properly and that your defroster is capable of clearing the windows.

Make Some Replacements

Now is the perfect time to replace a few things within your car. You may want to replace the cabin air filter so that you are more comfortable. The wiper blade should be replaced so that they can clear away snow, ice, and anything else that may land on your windshield. If you experience a lot of snow and ice where you are driving, specialty tires may need to be placed on your car as well, allowing you to grip the roads better.

At Advantage Insurance Network, we’re here to help you find affordable auto insurance in Cincinnati. Call today and let one of our agents guide you through the process, answering any questions you may have along the way.

 

 

 

 

Extend Vehicle Life In Cincinnati

Posted on by AgentInsure

Extending vehicle life in Cincinnati is of the utmost importance. Many people forget to focus on regularly scheduled maintenance for their vehicle and then they end up spending a lot of money down the road in repairs. If you are going to spend the money on a car, you want to extend the life so that you get the maximum value from it. There are some tips that you can follow to ensure that you are doing everything you can to extend its life.

Some of the most important things you want to do include:

  • Schedule oil changes regularly
  • Check tire pressure weekly
  • Don’t run the AC too much

There are plenty of other things that you can do, in addition to the tips above. Observe the speed limit at all times. If you are accelerating quickly and then having to use the brakes, it will use more fuel. With fuel costs rising higher than ever before, you want to make sure you are doing what you can to reduce the cost per gallon.

If you remove a lot of the added weight from your trunk, you can extend the life of your vehicle as well. Many people carry around much more than what they need in the trunk and this can weigh down the car. It can impact acceleration, performance, and even tire wear.

Learn about the maintenance schedule for your vehicle. This will be found within the owner’s manual or you can talk to the mechanic at your local dealership. Bringing your vehicle in for maintenance is critical for overall performance.

Call us today at Advantage Insurance Network to learn more about ways to protect your vehicle. We can help you to find an affordable insurance policy in Ohio and answer any questions that you may have about coverage.

 

Think You Don’t Need Renters Insurance? Think Again!

Posted on by AgentInsure

Think you don’t need renters insurance? Think again! There are a variety of reasons why people don’t take out the coverage they need, but many of these ideas just aren’t true. Here are a few things to consider about renters insurance.

Your Landlord Isn’t Responsible for Your Belongings

When surveyed, most people who rent a home or apartment mistakenly believed that their landlord was responsible for their personal items in the event of a catastrophe. The truth is that the person (or company) that owns the building where you live is not responsible for your items. This means that you would have to personally pay to replace that flat screen television set you purchased last year and your grandmother’s fine china if there was a theft, fire, weather event, or some other loss scenario.

For many people, replacing every item owned would be a costly endeavor that they just could not afford to do. By having renters insurance, these items are able to be replaced much more easily and cost effectively. Furthermore, many policies even offer a provision that pays for temporary housing while your landlord fixes any damage to your dwelling that makes it impossible to live in.

Renters Insurance is Actually Quite Affordable

One of the biggest fallacies about renters insurance is that it is expensive. In fact, this is the number one reason why many tenants opt to skip this type of coverage. Most policy premiums are only a few dollars a month and many carriers offer additional discounts for pairing it with your auto policy. In fact, in some circumstances, it is actually cheaper to have auto insurance and a renters policy versus just car coverage alone.

To learn more or to receive a no-obligation quote, please contact our team at Advantage Insurance Network today.

Bundling Your Auto, Home, and Toys with Progressive Insurance Can Save You Money

Posted on by Lewis Smith

Advantage Insurance Network in Cincinnati, OH is a Snapshot Certified agent representing Progressive and their partner, Progressive Home Advantage (underwritten by ASI). By now, I’m sure you have seen a Progressive commercial with everyone’s favorite spokeswoman, Flo, talking about the perks of bundling your auto and home insurance. By having all of your policies with Progressive, it helps reduce the potential for gaps in coverage. But, most importantly, it saves you money. In fact, Progressive gives a discount based on the number of policies you have with them. Do you know all the different types of policies that Progressive can write?

  • Auto
  • Homeowners/Renters/Condo
  • Mobile Home
  • Motorcycle
  • Boat
  • Personal Watercraft
  • Recreational Vehicle
  • Snowmobile
  • Travel Trailer
  • ATV
  • Golf Cart
  • Segway
  • Classic Car
  • Umbrella
  • Commercial Auto

Bundling your Progressive policies with an independent agent like Advantage Insurance Network gives you the extra benefit of having someone local to help with questions and concerns. Call us today or visit our website 24×7 at www.myadvantageinsurance.com to get started on your Progressive auto and home insurance bundle with Advantage Insurance Network.

5 Reasons You Should Buy from an Independent Insurance Agent in Cincinnati, Ohio

Posted on by Lewis Smith

Today, there are many choices when buying insurance. You can buy direct from companies like Progressive or GEICO. You can buy from captive agents like State Farm, Allstate, or Nationwide. But buying from an independent insurance agent, like Advantage Insurance Network, offers many distinct advantages. Here are some of them:

  1. Choice – Unlike direct or captive companies, independent insurance agencies sell for multiple insurance companies. When you call State Farm, you will only get one insurance quote. When you call an independent agent, they will shop your insurance with multiple companies and find you the best combination of price and coverage. Independent agents work for you and are not obligated to present policies from one insurance company. Discounts vary from company to company, so having an independent agent will ensure that you get all the discounts you deserve.
  2. Channel – Many companies have offer products through more than one channel. For instance with Progressive, you can either buy direct or through an independent agent. While buying direct may seem appealing, why not let an independent agent shop your insurance through Progressive and many other companies at the same time? Agencies like Advantage Insurance Network in Cincinnati, Ohio offer instant quotes directly on their website much like many of the direct writers. Another example is Allstate. Allstate now offers their products through captive agents and independent agents. Is there any benefit to calling an Allstate captive agent versus an independent agent representing Allstate?
  3. One Stop Shopping – Many independent agencies offer a full line of insurance products. While Progressive can write your auto, home and toys, they do not offer life and health products. So while Progressive may have the best rates on your auto insurance, they may not on your home and they don’t even write life. An independent agent could be your agent on all of your insurance needs even if they are with multiple companies. This can help reduce the risk of gaps in your coverage among different companies.
  4.  Personalized Customer Service – Independent agents can help you with your policies and offer you advice. Independent agents can help you with anything from billing questions to help filing a claim. A good independent agency will review your policy on a regular basis. And as your situation and life changes, they will be sure that your current company still represents your interests best. This eliminates the need for you to do this yourself.
  5. Local Knowledge – Independent insurance agencies are local businesses in your community.   They live and work near you and understand the community. When you call a large company like Progressive or GEICO, you will be just another number. When you call a local agent like Advantage Insurance Network, they want to get to know you and understand where you live.

Insurance is complicated but it doesn’t have to be. Working with an independent insurance agency, offers many advantages that can’t be achieved direct or through captive agents. Let the professionals at Advantage Insurance Network, handle all your insurance needs. To experience the difference, visit www.myadvantageinsurance.com.