Sponsoring Events? Watch Your Insurance Liability Risks
When Sponsoring Events, Racecars, and Community Activities Creates Insurance Liability Risks Businesses throughout Northwest Ohio take pride in supporting their communities. Whether it is sponsoring a local festival, youth sports team, county fair event, golf outing, tractor pull, or even placing a company logo on a racecar, sponsorships are a great way to build relationships […]
Did You Put Your Home in a Trust? Check Your Insurance
Did You Transfer Your Home Into a Trust? Don’t Forget to Update Your Homeowners Insurance Many homeowners create a trust as part of their estate planning. A common step in this process is transferring ownership of the home from an individual’s name into the name of the trust. While this can be an excellent estate […]
Actual Cash Value vs. Replacement Cost: Key Differences
Actual Cash Value vs. Replacement Cost: What Homeowners Need to Know 5/27/2026 Actual cash value and replacement cost value are two common ways homeowners insurance may settle a covered claim, and the difference can affect how much you pay out of pocket. This article explains how each option handles depreciation, how extended and guaranteed […]
How to Keep Your Insurance Claim Moving Forward
Filed an Insurance Claim? Here’s How to Help Keep Things Moving Read time: 3 minutes This probably wasn’t part of your plans today. One minute everything feels normal, and the next you’re dealing with damage, phone calls and questions about what happens next. The claims process can feel overwhelming, but a few simple steps can […]
Does Auto Insurance Cover Rental Cars? What You Need to Know
Does My Insurance Cover Me When Renting a Car? Renting a car is easy. Understanding your insurance coverage while driving it can be a little more complicated. One of the most common questions we hear is: “Does my auto insurance cover me when I rent a car?” The answer is usually yes—but there are important […]
CPRM Designation: Why It Matters for High-Net-Worth Clients
What Does the CPRM Designation Mean—and Why Should Higher Net Worth Individuals Care? When it comes to protecting significant assets, not all insurance professionals have the same level of training. While most agents can quote a policy, clients with substantial homes, investments, vehicles, collections, and liability exposures often need a more sophisticated approach to risk […]
Divorce and Life Insurance Beneficiaries: Don’t Assume
Divorced but Still Want Your Ex as Beneficiary? Don’t Assume They’re Covered. Divorce changes more than your marital status. It can also change what happens to your life insurance proceeds when you die. Many people are surprised to learn that naming an ex-spouse as a beneficiary before a divorce does not always guarantee that person […]
Why Naming Life Insurance Beneficiaries Matters
Why You Should Never Name Life Insurance Beneficiaries as “All My Children Equally” When completing a life insurance beneficiary designation, it can be tempting to keep things simple by writing a phrase like “all my children equally.” While that may seem straightforward, it can create significant problems for your family and potentially delay the distribution […]
Know Your Sump Pump Before the Next Heavy Rain
Your sump pump is the first line of defense against basement flooding. A sump pump is an essential device installed in a pit, also known as the sump, at the lowest point of a home’s basement or crawlspace to protect the foundation and structural integrity of a home. Sump pumps are critical for homes located […]
Why Employer Life Insurance Usually Isn’t Enough
The Biggest Life Insurance Objection: “It’s Too Expensive” — And Why That Often Isn’t True When people avoid buying life insurance, the most common reason is almost always the same: “It’s too expensive!” At first glance, that may seem reasonable. Between mortgages, groceries, vehicle payments, childcare, rising insurance premiums, and everything else competing for a […]