Author: AgentInsure

Getting Your Home Ready for the Winter in Cincinnati, OH

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If you live in Cincinnati, OH, you live in a climate where the seasons change in a fairly extreme manner. As such, you need to be prepared for those seasonal changes, particularly the shift to cooler weather in the autumn and winter. This can actually have a real effect on you financially, as certain types of damage that can be caused by seasonal weather are not covered by your home insurance policy except for very specific circumstances. There are many things you should keep in mind about home insurance in the state of Ohio.

One thing that you should do is make sure to get your furnace cleaned and inspected by a qualified technician. You should actually do this every year around this time, as damage can accumulate and make it so that your furnace does not work properly. You should also make sure that your chimney is clean, and you should have maintenance done if necessary. Additionally, you should position any downspouts away from the foundation of your home, so that water damage does not become a problem. This water damage would likely not be covered by insurance if it did occur, so you want to make sure to prevent it. You should get rid of any overloading sockets or frayed wires, as these can be potential fire hazards, especially during the characteristically dry weather of the winter. It would be a very good idea to take a look at your home insurance policy, so that you know exactly what kind of damage would be covered and what is not.

If you want to know more about home insurance in Ohio, you should contact the professionals at Advantage Insurance Network. The agents at Advantage Insurance Network can answer all the questions that you have about home insurance in Cincinnati, OH and tell you what you should keep in mind as you are preparing your home for the cooler seasons of the year.

How to Insure a Hybrid Vehicle

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Saving money while helping the environment when a person buys and drives a hybrid vehicle is a “win win” combination. Alternative fuel systems for vehicles are expanding. Clean Fuels Ohio (CFO) has worked closely with Cincinnati officials to fund the deployment of alternative fuel vehicles for the city. Hybrid vehicles are still relatively new to the market place but are gaining popularity based on the cost savings. The Advantage Insurance Network helps Cincinnati, Ohio residents find automobile insurance for all types of vehicles, including hybrids.

Generally speaking, a hybrid vehicle costs more to buy than a typical vehicle in the same model and year. The technology used for the battery powered systems is more complex than the classic gasoline engine. The newer “plug in” battery models may have federal tax incentives to help offset the additional price.

Some insurance companies charge more to insure a hybrid vehicle. One of the reasons is that the cost to repair the battery system, if damaged, is more expensive and requires more specialized service. Another reason is that some insurance companies think hybrids attract drivers who commute daily to work and, therefore, are on the road more often than other drivers.

There are a few insurance companies that will give a discount to those with hybrid vehicles. And, once the savings in gasoline expenses are factored in, hybrids can save money.

Ohio law requires that everyone have at least the state minimum auto insurance coverage. Finding the insurance company that gives a discount versus the insurance company that charges more is time consuming when clicking on different websites or calling around. Save time by using the Advantage Insurance Network. They will provide quotes from all the insurance companies in one location and suggest additional coverage to provide even more protection when an accident happens.

5 Tips To Find A Great Used Family Car

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Buying a family car is no laughing matter. As you want to drive around Ohio, you need a reliable car you are happy with. There are some tips to follow to make sure you get a great car and have nothing to worry about.

Shop Around

Shop around the different dealerships to see what’s out there. Start getting an idea as to what your budget is and what the dealerships have. You should also make decisions as to whether you want an SUV, a minivan, or a sedan.

Age vs. Cost

There’s a balance to achieve between the age of the car and its cost. If you go with something too new, it could be more than what you can afford. If you go with something too old, it may be prone to expensive repairs. Many say that you should look for a car that is around three years old.

Test Drive

Go for a test drive, no matter what. You want to be comfortable behind the wheel of the car. It is also important to look at how the car handles out on the road.

Know About Certified, Pre-Owned

Certified, pre-owned means that the car has gone through an inspection to manufacturer standards and has an extended warranty. It may be a little more money, but it also provides peace of mind on your purchase.

Get a Mechanic

Get a mechanic to look at the vehicle so you know what there is going on. If there are issues, you want to know about them before you make the decision to drive off in it.

Call now to learn more about auto insurance in Cincinnati. One of our knowledgeable agents at Advantage Insurance Network can help you find a policy that is affordable and provide sufficient coverage.

 

 

3 Essential Flood Preparation Tips

Posted on by AgentInsure

Preparing for the event of a flood is important, and having good flood insurance is one of the best steps you can take. However, there are a few other flood preparation tips you should keep in mind to keep your family safe and minimize losses.

Tip #1 – Keep Possessions Safe

Come up with a flood file that offers information on all your current possessions. Ensure this information is kept in a safe place, such as a waterproof container or a safe deposit box. Your file should include a copy of all insurance policies, copies of important documents, and an inventory of your household possessions. It’s a good idea to have photos or video, as well as a written record, of all your valuables and major household items.

Tip #2 – Ensure Your Home is Prepared

Before a flood prepare your home, and ensuring a sump pump is on hand is a great idea if you know a flood is coming. You can also prepare your home by raising any electrical components at least a foot above the projected flood elevation for your home. Clear out any debris from downspouts and gutters and anchor fuel tanks. Important documents, valuables, and furniture should be moved to a safe place when you’re preparing for a flood.

Tip #3 – Have a Family Emergency Plan in Place

Make sure your family has a family emergency plan in place. Make sure you have a safety kit that includes first aid items, drinking water, a flashlight, a radio, blankets, and some canned food. Have emergency telephone numbers posted by your phone and ensure kids are taught how they can dial 911 if needed. Plan out and practice flood evacuation and ensure you have a plan in place to take care of pets.

Make sure you’re prepared for a flood with good flood insurance. Contact the Advantage Insurance Network serving Cincinnati, OH today to learn more about your flood insurance options.

 

Commercial Insurance in Cincinnati Ohio: Finding the Right Company for You

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What does it mean to find the right company for you? Each person’s answers will be different because we all have different priorities. For some, the right company may be the cheapest because that’s their biggest consideration. For others, it will have to do with the caliber of people who work there and the quality of their work. We’ll give you a few hints about what to look for when you’re trying to find the right commercial insurance in Cincinnati, OH.

Figuring Out the Answers 

If you ask the insurance company to direct questions in a row, do you just get the one answer? Does the person on the other end of the conversation seem interested in how your business works or does it just sound like they’re reading off a standard form? These are truly important things to consider before signing with anyone because it will ensure that you don’t get a company who will lead you down the wrong road when it comes to picking out a policy. And it also means that you’ll find someone helpful should you have an event happen that needs to be covered. 

Understanding It All 

Advantage Insurance Network knows commercial insurance, and our agents are to here to make your journey an easier one. From reminding you about current laws to updating your coverage, we’re here to take care of it all. We make our clients the priority, which means that you won’t just feel like another face in the crowd or another number from a major insurance carrier boasting about how many people sign up with them on a daily basis. Whether you have a question or want a quote, give us a call to learn more. 

 

3 Tips to Buying Boat Insurance in Cincinnati

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When you buy boat insurance, you may feel a variety of emotions. You may feel annoyed that you have to shell out money, or you may feel proud that you’re taking care of your property. You may feel responsible that you’re doing the right thing. However, sometimes these feelings can get in the way of making the right decision when it comes to the right policy. Here are 3 tips to keep in mind before you buy. 

1. The High Cost of Disasters 

They can often cost more than you think, even if you think your boat isn’t worth anything. You’re not the only person involved here. A guest may be injured and sue you, or one of your family members could be hurt when attempting to perform a basic task on the boat. It’s best to pay for it all now and have a partner on your side. 

2.  The Dangers of the Water 

Water can be deadly, and it can cause more damage than you think. When your boat is exposed to all different types of weather conditions over the season as well as being located in such a precarious place, you truly do want an expert who can help you navigate through the different types of policies to find the right fit for you. 

3. Consult Someone Who Knows 

Advantage Insurance Network serves Cincinnati, OH, and we’re here to get you on your way to a better summer full of tubing and wind in your hair. We know the best and worst parts about boating, which is why you can trust us to find you the best solution when it comes to your boating insurance. Whether you’re cross-comparing rates or have any questions, call us today. 

Do You Need A Specialty Insurer for Your Motorcycle?

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There are some advantages that come with buying coverage from a specialty provider. It may or may not be necessary to buy from a specialty insurance company, depending on a number of factors. Many bike owners are more than happy covering their motorcycle with the same provider that insures their car. Others may prefer a seller that exclusively sells motorcycle insurance. Here are some factors to consider:

Some General Providers Charge More For Motorcycle Insurance

The risks that come with owning a bike may lead to higher rates with many insurance providers. Specialty providers often boast lower rates in order to attract business. This doesn’t mean that a more general provider like Advantage Insurance Network will wind up costing you more, or that any given specialty provider will cost you less, only that this is sometimes the case.

A Motorcycle Specialty Insurer Will Only Cover Your Motorcycle

Obviously, you aren’t going to get your motorcycle covered under an umbrella policy with your home and your car if you’re going with a specialty provider. This means that, even if it technically costs less to insure your bike, it could wind up costing you more overall in the discounts you could be missing out on.

Comparing Quotes Is Your Best Bet

Because there are so many variables in what will determine your rates and the kind of coverage you can get, a specialty provider might not always be your best bet, no matter how highly recommended they may be. The discounts and products available from a general insurance provider might wind up adding up to a much better deal than you’ll get from a specialty provider.

In short, keep specialty insurance providers in mind during your search, but don’t write general providers off.

 

5 Tips to Know About Home Insurance in Cincinnati

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Home insurance is often misunderstood by the policy holder, and it’s easy to see why. With contracts that seem to have no end, people often make poor decisions based on the simple fact that it’s difficult to understand exactly which events are covered, and which aren’t. After all, you can’t discuss everything that might take place under the sun. However, you can become better aware of home insurance so you have a better chance of being prepared with these 5 tips. 

1. Find Out About Your Possessions 

Home owners may think that their new laptop will be reimbursed if it goes up in flames, and then find out in a panic that they should have updated their policy or their possessions were never covered at all. 

2. Your Questions Matter 

Often it has nothing to do with your insurance keeping anything from you (though that often happens), it’s more about specifically addressing different scenarios where you find out more about your coverage. 

3. Flooding and Earthquake Damage 

Two events that are often excluded from policies, you want to know whether or not you’ll receive the help you need if you have any type of structural or property damage due to them. Keep in mind that the weather can be hard to predict, so don’t assume it can’t happen to you. 

4. Get More Than the Minimum 

It seems like you’re saving money to go with the cheapest plan, but will you really save anything if something major happens to your home?

5. Choose the Right Carrier 

Your home is likely the most important investment you’ll ever make. Call on Advantage Insurance Network if you’re looking for new coverage. Our staff is waiting to talk to you about your policy, so contact us today. 

Getting Your Boat on the Water: 5 Tips to Prepare in Cincinnati

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A boat is no different than a car or a home in that you need to put constant care into it to get the most enjoyment from it. However, boats come with the added responsibility of having to get it back into shape after it’s been sitting around for so many months. Here are 5 tips to get you back out on the water safely in Cincinnati, 

1. Cleaning and Safety 

Taking a sponge to your boat or waxing and polishing everything up doesn’t just make your boat look and smell nicer. Beyond the cosmetic benefits, it gives you a chance to see where you may need repairs from normal wear and tear.

2. Taking a Look Under the Hood 

From the electrical system to the hoses, test everything possible to determine if anything needs to be replaced or fixed. If your engine has trouble starting, your battery may have severely diminished since you last used it. You don’t want a complete failure when you’re out enjoying your day off. 

3. Make an Emergency Plan 

Panic is an unfortunate occurrence of emergencies, but going through the plan several times can mean the difference between calm and order and potentially dangerous mistakes. 

4. Get a Carbon Monoxide Detector

Just like you have one in your home, put one on your boat so there’s no chance you’ll be affected by stray fumes. 

5. Having the Right Insurance Policy 

Preparing your boat means preparing for whatever summer brings you. Insure your boat against common calamities with Advantage Insurance Network. We serve the people of Cincinnati, OH, and have people here to get you the coverage you want, so call today if you’re looking for a new policy or a quote. 

5 Hacks To Keep Your Teen Driver Safe

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It can be difficult to keep your teen driver safe on the roads of Cincinnati, OH. There are a few hacks that can help with their overall safety. You can only do so much and trust that they earned their license because they know what they are doing.

Have Them Sign a Pact

Teens often hear what they want to hear. However, you can get around this by having them sign a pact that says they are going to drive safe. This includes such things as always wearing a seat belt and never texting while driving.

Review the Rules

Review all of the rules with them, including the ones that are Ohio-specific. There may be specifics as to when they and cannot be on the road and they must stay within the state whenever they don’t have a licensed adult with them.

Limit Passengers

Too many passengers can spell trouble. This is because they are either rowdy, instigating, or being both. If you limit the passengers to one or two, it may be the ultimate way to make sure your teen is as safe as they can be while out on the roads.

Require Check-Ins

Once you let your teen and their new license behind the wheel, require some check-ins so you can be sure they are safe. Have them call or text when they get to their location and when they are leaving so you know where they are.

Create Punishments

What are you going to do if you catch your teen breaking one of the rules? You can create punishments that are so horrible (like taking away the keys) that they are going to do their best to stay safe on the roads.

Contact Advantage Insurance Network today to learn more about auto insurance and policies for your teen.