5 Questions To Ask Your Home Insurer Before You Buy a Policy

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Home insurance is a tricky subject, and it’s easy to get lost in the maze of different policies and discounts. To find the right policy for your particular home, you need to know what questions to ask before you buy. Here are five questions (and their answers) that will help you make an informed decision so that purchasing a policy is one less thing you have to worry about.

1. What Does Homeowners Insurance Cover?

A typical home insurance policy covers damage caused by fires, storms, wind, and hail. It also covers theft and vandalism. Most policies will also cover your personal belongings, such as furniture and clothing, up to a specific limit.

2. How Much Coverage Do I Need?

The amount of coverage you need depends on the value of your home and your personal belongings. It’s a good idea to get an estimate of the replacement cost of your home before you purchase a policy. As for your personal belongings, consider how much it would cost to replace them if they were lost or damaged.

3. What Discounts Are Available?

Many insurers offer discounts for things like having a home security system or being claims-free for a certain period. Some even offer discounts if you purchase your policy online. Be sure to ask about any available discounts so you can save money on your premium.

4. What Is the Claims Process Like?

No one wants to file a claim, but it’s essential to know the process if you need to use your coverage. Find out how long it typically takes to process claims and what documentation you’ll need to provide.

5. What Is Customer Service Like?

You’ll want to make sure you’re working with an insurer with good customer service. Find out what the process is for contacting customer service and see how responsive they are to questions and concerns.

Asking these five questions will help you understand what you’re getting into when you purchase a home insurance policy. Advantage Insurance Network in Cincinnati, OH, can help you find the right policy for your needs to have peace of mind knowing your home is protected. Give us a call today to get started.

What is the value of having life insurance in Ohio?

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Anyone that is in the Cincinnati, OH area will need to take their insurance needs seriously. There are various forms of coverage that all people need to consider getting, one of which is life insurance. This is a helpful form of insurance coverage that offers various benefits to policyholders and their beneficiaries. 

Offer Financial Protection for Dependents

A reason that you should get a life insurance plan when you are here is so you can offer financial protection to those that you care the most about. If there are people in your life that you support, it is important that you help protect their financial resources. One of the best ways that you can do this is by getting a life insurance plan and building it to meet the needs of your dependents.

Investment Alternative

You also should get a life insurance plan as it can be a good investment alternative. One popular form of life insurance is whole life coverage. With this type of insurance, you will benefit as some part of your monthly payment will accrue in an account that will grow with interest. In the future, you can close the account and convert this to cash or use it as collateral for a loan.

There are a lot of good reasons to have a life insurance plan in Cincinnati, OH. Since this is such an important form of coverage, you will want to ensure you speak with someone that you can trust about your insurance needs. The team with the Advantage Insurance Network can help you build the right plan for your situation. The Advantage Insurance Network is able to do this by providing you with personalized support, guidance, and consultation that will help ensure they understand what your coverage needs are. 

Why a comprehensive commercial policy may be right for your OH business

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If you own a business in the greater Cincinnati, OH metro area and need commercial insurance, give Advantage Insurance Network a call today.

Commercial insurance options available in our area

Owning a business is more than a full-time job. It takes a lot of very hard work and an extreme level of dedication. Building a successful business and keeping it running and growing over the years is no small task. It only makes sense to protect all of the hard work and financial investment that has gone into its success.

With a comprehensive policy, you can secure the protection your company needs. Every business’s insurance needs are different, but there are some basic similarities that many companies share. And, with a comprehensive commercial policy, you can make sure that your business has the protection it needs.

When you are choosing your policy, remember that over the years, your insurance needs and requirements will likely change. That is why we recommend that all of our commercial clients closely and carefully review their policies at least once a year. When it comes to commercial coverage, you will want to examine all of the available options to ensure that you have the right protection. 

Creating a robust insurance portfolio can help you to keep all of your hard work protected. Let us help you make sure that your commercial policy provides the protection your company needs. We are here for you!

Think of us as your commercial insurance partners!

Cincinnati, OH business owners can rely on Advantage Insurance Network for all of their commercial insurance needs. If you are looking for an insurance network that can help you protect your business, give us a call today. We look forward to working with you!

4 Benefits of Condo Insurance

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Condominiums are quickly becoming popular in Ohio. And this trend will continue as people try to move closer to urban centers. If you have invested in a condominium, this is the best time to protect your investment in every way. Condo insurance from Advantage Insurance Network is one such protection you can consider for your property.

Do you own a condominium in Cincinnati, OH? Here are the benefits you get when you invest in condo insurance.

Liability protection

You might have a condo owners association policy, but this only covers liabilities happening in common areas like the swimming pool and lobby. You are responsible for injuries or property damages incurring inside your condo. For this reason, you need to invest in condo insurance to cover injuries and property damage that you, your family and your pets cause to others.

Covers your asset

In the unfortunate event you lose your assets, condo insurance covers the replacement. The same applies if your belongings are destroyed by fire and other perils listed in your policy.

Offers loss of use coverage

If your condo is damaged, you don’t have to worry about where to stay as your dwelling undergoes repairs. Condo insurance covers additional living expenses like accommodation, food, and transport you incur as your condo is being repaired.

It gives you peace of mind

With the stressful world we live in, it isn’t easy to have peace of mind. However, certain worries can be taken care of by insurance. For instance, you don’t have to worry about damages and liabilities in your condo if you have condo insurance.

Protect your condominium today

Owning a condominium can be a good investment. But if you want to protect your investment for years to come, you must invest in condo insurance. To get coverage in Cincinnati, OH, please don’t hesitate to contact Advantage Insurance Network for a competitive quote.

What Does Restaurant Insurance Cover?

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Restaurants get exposed to a broader range of calamities in Cincinnati, OH. From lawsuits, fires to natural disasters, the danger is always lurking in restaurant businesses. Thankfully, you can cushion your business with restaurant insurance.

Are you a restaurant owner seeking prolific coverage to protect your business from the unthinkable? Please speak with our reputable agents at Advantage Insurance Network, and they will help you select dependable restaurant insurance to help you shun financial instances that are dreadful to overcome.

What does restaurant insurance cover?

It’s imperative to know that no restaurant business is immune to risks and going without insurance is a recipe for disaster. We have policies tailored to protect your restaurant in the below areas:

  • Liability protection: Business owner’s policy (BOP) is a popular and cost-effective viable option for a restaurant. It combines commercial property insurance and general liability insurance under one formidable plan. It’s suitable for food contamination and spoilage and potential business interruption incidences.
  • Protects workers: Many states, including Ohio, requires restaurant joints with employees to carry workers comp insurance irrespective of whether the employees are seasonal or permanent. Restaurant insurance caters to employees’ medical expenses and missed wages benefits after an injury or sickness contracted while working in your restaurant.
  • Protects your commercial vehicles: Does your restaurant own any cars or trucks to run your operations? Worry no more because commercial auto insurance protects your vehicle from accidents and other risks stated in your policy. It also covers injuries to your driver.
  • Liquor liability insurance: It caters to property damage, legal fees, and medical expenses of prevailing injuries if the liquor is sold to an intoxicated client who proceeds to harm other patrons.

If you are a seasoned restaurant owner or aspiring to become one in Cincinnati, OH, it’s critical to invest in restaurant insurance. Ready to get coverage? Please call or visit us at Advantage Insurance Network and get more information about restaurant insurance.

FAQs about Contractors Insurance

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If you own a construction business, there is a lot you need to worry about, but insurance shouldn’t be among them. The insurance requirements for contractors are a bit different from other businesses, and that’s why you need the help of an expert to help you navigate. At Advantage Insurance Network in Cincinnati, OH, we have put together a FAQs section to shed more light on contractor’s insurance. But if you have more questions, don’t hesitate to call us or drop an email. 

What is contractor’s insurance?

It’s insurance that covers a building undergoing construction or renovations. Given that risks like theft, fire, and natural disasters can cause damages or losses in the building under construction, you need coverage that can help you recoup finances when disasters occur.

Who needs contractor’s insurance?

If you are a contractor, you need contractor’s insurance because it cushions you financially when the unthinkable happens on the construction site. Ultimately, you need contractor’s insurance if you work on long-term projects, want permits from the local authorities, if the contract says so, and if you want to comply with the building codes.

What coverage options should my contractor’s insurance have?

At the very least, each contractor should have general liability insurance to help you cushion against liability claims likely to arise during construction. Also, consider worker’s comp insurance since it’s mandatory in many states. Beyond compliance, worker’s comp insurance is a must-have investment in the construction industry, given that the risk of injuries is high.

Because you have vehicles, consider commercial auto insurance. And depending on the nature of construction and contract, talk to your insurance agent for guidance on endorsements you can consider for optimal protection.

Where can I buy contractor’s insurance in Cincinnati, OH?

Want to invest in contractor insurance? You are on the right track. Don’t hesitate to get in touch with Advantage Insurance Network for an affordable quote.

Is Health Insurance Mandatory in Ohio?

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They say that health is wealth. And indeed, this is true because you can’t work optimally if your health fails you. Because you value your health, you need a health insurance plan from Advantage Insurance Network of Cincinnati, OH to protect you and your family from financial losses.

Health insurance in Ohio

If you are a resident of Ohio, The Affordable Care Act (ACA) requires you to have a health insurance plan. And even if your employer doesn’t have health insurance plans, you can be covered through a private carrier. Outside the ACA, Ohio doesn’t have its health insurance plan.

At Advantage Insurance Network, we usually advise our clients to invest in a medical plan, whether mandatory or not.

Reasons you should invest in health insurance

Health insurance is one insurance policy you buy with the hope of never using it. Regrettably, getting sick or injured is part of life, and the only way you can protect yourself is by purchasing a health insurance plan. If you never gave a second thought to health insurance, consider the reasons below:

  • Protects your health: Nothing is more precious than being in good health. A medical plan covers your health by paying for medical costs should you become ill or suffer an injury. Given the escalating medical costs, failing to invest in health insurance would be unwise.
  • Covers preventive care: A sound health insurance plan covers immunization and routine check-ups, which are important in preventing and detecting diseases at an early stage.
  • Peace of mind: Health insurance means you can live a stress-free life, knowing that your health is covered.

Need an affordable health insurance plan in Cincinnati, OH and its environs? Would you please get in touch with Advantage Insurance Network? Whether it’s an individual, family, or business health insurance plan, you can always count on us.

Condo Insurance in Ohio: What Coverage do I Need?

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When you have a condo in Ohio, you want to be protected from every liability or financial risk. You may not be required to get condo insurance in Ohio, unless your lender or mortgage broker requires it. 

At Advantage Insurance Network, we help Cincinnati, OH condo owners get the coverage they need for their condo living. We can help you build the right policy for your needs.

Learn more about what coverage you could need in a condo in Ohio.

Your Condo Association Policy

When you have a condo, the condo association or condo board will have a master policy that covers the areas of the grounds for which they are responsible. Those are typically the most common areas, areas that many people would share.

That could include a common room or lounge, elevators, front foyer, hallways, and common storage areas where shared belongings are kept. Personal storage units that contain only your belongings would be your insurance responsibility.

Your Personal Condo Insurance Policy

For your own personal condo insurance policy, you will want to have at minimum, liability coverage. This will cover you financially in the event that an accident occurs in your home for which you are held liable. 

That could be a dog bite, a slip and fall, or another problem that you are responsible for. This liability coverage will follow you when you travel.

You may also be interested in contents coverage, that will cover you in the event that you experience damage, loss, or theft, of any of your personal belongings.

Improvements and betterments coverage is also a traditional component of condo insurance and can be used to make renovations or improvements to your unit.

Get a Quote

Condo insurance is like renter’s insurance, where the primary land workers or managers assume a lot of risks. That is what their insurance will cover. Yours will cover the risks in your own home. At Advantage Insurance Network, we help Cincinnati, OH condo owners get the most thorough coverage for their needs. Call us for a quote today.

Ohio Commercial Insurance: Most Common Workers Comp Claims in Ohio

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Millions of dollars are paid out in workers’ compensation claims every year through commercial insurance policies. In Ohio, workers’ compensation claims are frequent as the labor force manages a lot of physical labor. 

At Advantage Insurance Network, we help Cincinnati, OH business owners get the workers’ compensation insurance they need so that their employees are protected from financial losses in the event of an accident at work.

These are the most common workers’ comp claims in Ohio that we see.

Strains

Strains such as a repetitive strain injury or an injury after lifting or moving an object are the most common workers’ compensation claims. This is an injury that occurs when a muscle or tendon is stretched beyond its limit. Some experts say that strains account for as much as 30 percent of workers’ compensation claims. Strains can prevent workers from working as they prevent walking, moving, and lifting.

Contusions

A contusion is a bump or a bruise that can happen when the body bumps into something. We see head contusions happen frequently, but a contusion can happen anywhere on the body. It is a serious bruise that creates swelling and damage. These will prevent work due to pain and loss of use. 

Lacerations

A laceration is a cut that can occur from an accident at work. You could have an accident with a stapler or a piece of machinery. Lacerations that lead to work loss typically involve stitches that take time to heal until you can use that body part normally again. This could take weeks, and for some, even months if there are complications.

Get a Quote

If you are concerned about the potential for injury at work and want to improve your existing workers’ compensation coverage, get a quote for your workers’ comp policy. At Advantage Insurance Network, we help Ohio business owners do just that. Call us for a quote today.

What Damage Can a Flood Do to Your Home?

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Floods can cause serious damage to your home. Even if you do not live in a high-risk flood zone, your home could experience serious flooding. This is why flood insurance is so important, no matter where you live.

Advantage Insurance Network, which serves Cincinnati, OH, understands the importance of flood insurance. These are some of the common ways homes are impacted by floods.

Structural Damage

Structural damage to a home is extremely common after a flood. The bones of your home could become damaged, perhaps causing the home to fall down in some places due to rotting.

Electrical Damage

Electrical concerns are among the most dangerous after a flood, but they are also some of the most devastating. Depending on many factors associated with your home, the electrical damage could require extensive repairs.

Appliance Damage

Appliances like stoves, washing machines, dryers, and refrigerators can all become damaged in a flood. Appliances are expensive, but insurance may be able to help you replace them.

Mold & Mildew

Mold and mildew are more than a nuisance. They can both cause serious health issues later, which makes them important to take care of immediately. Insurance can help with this step.

Septic & Well Water System Damage

Water can become contaminated after a flood, which is why you need insurance if you have a well water or septic system. You may need to do a lot of work to make sure that you can use the water safely, and this can be expensive.

Get Flood Insurance

If you live in Cincinnati, OH, Advantage Insurance Network can help you. Contact an insurance professional to discuss flood insurance before your home faces serious damage.