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Having Health Insurance Can Preserve Your Good Health

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Something you may not have considered before is the overall health benefits of having health insurance. Most people realize that having health insurance is a great idea, but did you know that people that keep health insurance coverage tend to be healthier? 

Maintain Good Health

The reason that people with health insurance are overall healthier is that they have access to preventative care that their coverage provides. Most insurance companies allow you to schedule regular checkups and screening for health conditions as part of their health insurance policy. This helps them keep their costs down by catching health conditions early on. When these conditions are detected early they are much easier and inexpensive to treat. People who wait to address serious health concerns are less healthy because they usually sustain serious damage to their overall health and well being as a result of their failure to participate in regular screenings and check-ups. Individuals with access to health insurance normally take full advantage of these allowed screenings and checkups because they want to lead healthy lives. It is a win-win situation for both the insurance company and the covered individual.

Health Insurance Coverage Pays Off

It may seem like a headache to have to pay your health insurance premiums monthly, but it will end up actually saving you money in the long run, and will help you lead a longer, healthier life. It is worth the investment in your self and your financial well being to maintain health insurance coverage. There are plenty of affordable plans on the market that will fit your individual needs. If you would like more information on health insurance coverage, contact Cincinnati, OH, Advantage Insurance Network.

If you want personalized service when selecting your health insurance coverage, you should call or stop by Cincinnati, OH, Advantage Insurance Network. The experienced and caring staff can help you get the coverage you need to enjoy good health for a lifetime.

Protect Your Disabled Loved One with Life Insurance

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Life expectancy rates continue to rise. Currently, someone born in Cincinnati, OH can expect to live to the ripe old age of 76. If you are the primary caregiver for a physically or intellectually disabled loved one, this fact can be cause for great concern. Who will take care of your disabled loved one after you’re gone? Your life insurance policy can help provide financial support for your dependent adult.

Defraying the Financial Burden of Disability

Disabilities are expensive. The cost of equipment, specialized care, and frequent medical services can burden even the most affluent caregiver. Government payments like SSI and other assistance programs are helpful, but often don’t cover the full cost associated with raising a disabled person’s quality of life. It’s up to the caregivers to make up the difference with their personal income.

When a caregiver passes away, the cost of living for the disabled person does not change. Savings and trust accounts can help. However, it’s often difficult for people in these situations to save any meaningful amounts of money. An active life insurance policy will pay directly to your loved one or their designated caregiver. These funds can be used for medical payments, housing, or anything else they may need.

Ensuring Your Loved One’s Future

Caregivers should investigate their options before committing to any insurance policy or extended care plan. In some circumstances, inheritance money can affect their ability to receive certain types of government assistance. In these cases, a trust fund can be set up in your loved one’s name. The insurance would be paid out to the trust. The money could then be accessed by your loved one when needed, without compromising any other necessary payments they receive. The experts at Advantage Insurance Network can help you decide the best strategy for your situation.

Make sure all the special people in your life are taken care of after you’re gone. The representatives at Advantage Insurance Network can help you customize an insurance package that protects all the things you hold dear. Contact our office in the Cincinnati, OH area today.

Will I Need Additional Coverage with My Renter’s Association Insurance Policy?

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Renters living in an apartment complex or home in Cincinnati, OH can definitely benefit from having their own policy. But what exactly is the renter responsible for? What duty falls upon the landlord? Will I need excess coverage where my rental policy falls short? If you are renting, it is beneficial for you to look into the benefits of having renter’s insurance. Advantage Insurance Network has your questions answered below.

Renter’s policies usually cover the same things a home insurance policy would cover. Things that have been damaged, destroyed, or stolen from your home are an example of these things. Other things covered by a renter’s policy? The legal liability in the case that someone is injured on your property. One of the benefits of renter’s insurance is that in the case of a lawsuit, the insurance company must provide the renter with defense.

Renter’s insurance is not required by law in Cincinnati, OH, but many landlords will require tenants to obtain some before their move-in. This requirement is often written into the lease agreement the tenant signs.

With all of these rules in place, do you really need more coverage for your rented place of residence? Renter’s insurance covers your belongings, but what about the structure of the building such as walls and flooring? In the case of renters and landlords, the responsibility to insure falls upon the owner of the home. The building owner will probably have a policy to protect the building in the case of a fire or flood. The owner of your apartment complex or home is also responsible for general liability.

If you have more questions, contact Advantage Insurance Network today.

What Can You Do To Protect Your Condo?

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 Condos are a great convenient living option for many people. Keeping your condo safe and secure begins with a great renter insurance plan or condo insurance plan. In addition to that, here a few other steps you can take to make sure your condo is a safe haven.

Install and Check Smoke Detectors

Smoke detectors are the first line of defense in protecting your condo from unnecessary fire risks. Smoke detectors are only as effective as their maintenance, however. Installing smoke detectors properly is only the first step. Smoke detectors should be checked regularly to ensure that batteries are operating properly.

Install Carbon Monoxide Detector

Carbon Monoxide has been called the silent killer because those who fall victim to these toxic fumes rarely realize that they are even in danger. Carbon Monoxide is a deadly gas that can build up in a room or home. Once this fume reaches dangerous levels it can become lethal for those inside. A carbon monoxide detector can alert homeowners to levels of carbon monoxide inside the home.

Install Security System

If your condo did not come with a security system, then making the effort to install and activate one is a great way to keeping your home safe. Security systems add an extra layer of protection to your home and alert rescue workers if there is an emergency.

Good Lighting

Good exterior lighting is essential to keeping a safe environment in your condo. Interior lighting is also necessary to avoid accidents at night within your condo. Keep light bulbs checked regularly in your interior and exterior fixtures.

Be Neighborly

Getting to know your neighbors is also a great way to make sure that your condo is a safe place while you’re home and while you’re away. Neighbors are a great support system to help you keep your place and the entire complex a safer place.

For more information on how to insure your condo contact an agent today at Advantage Insurance Network serving the Cincinnati, OH area. 

Boat Insurance: Why you need it

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You may not be worried about theft or damage to your boat and its contents, but your exposure to liability risks remains. Without insurance coverage, your life savings and passengers in the vessel as well will be in danger. Advantage Insurance Network, Cincinnati, OH has custom boat insurance policies to cover you, your boat, personal possessions and passengers too.
While there is not much emphasis on the need to have boat insurance in some states, there are several reasons why you need such coverage.

Coverage For Bodily Injury
In the event of an accident, passengers inside your boat may be injured, and if you are found to be legally liable, this policy will help you pay for injuries that other persons have suffered. Also, a lawsuit may be filed, and we will offer necessary representation to defend you at our expense. As a result, you do not have to worry about the cost obligation or the technicalities of dealing with such a case, because our agents assume these responsibilities fully.

Coverage For Damage Or Loss
Most probably, there will be damages to other people’s property as well as your own after being involved in a boat accident, and this will be accompanied by losses too. Boat insurance will cover for property damage to others, in addition to payment for fuel spills resulting from the impact. You will also be compensated for personal property that was damaged or lost aboard the watercraft.

Affordable Coverage
Advantage Insurance Network, Cincinnati, OH offers affordable boat insurance products, to suit the needs of individual boat owners. Besides, we have excellent boat insurance solutions that keep us ahead of the park, and you can find suitable cover from the options available, depending on your financial capability. 
We would love to have you on board so, call us today to discuss a cover for your boat and any inquiries on the same as well.

Can I Take Out a Life Insurance Policy on My Ex-Spouse to Benefit Our Children?

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One of the questions that we are frequently asked at Advantage Insurance Network, serving the greater Cincinnati, OH area, is whether you can take out a life insurance policy on an ex-spouse to benefit the children. Many ex-spouses are concerned that if their ex-passes away, the children will lose out on child support or financial support throughout their life. If you are wondering if you can do this, there are two things you need to know. 

What the Divorce Decree States

If you are trying to determine if you can take out a life insurance policy on your ex, one of the first places you may want to look is the divorce decree. In many cases, your ex is required to maintain any existing life insurance policies that benefit you or the children. If there are none in place, your decree may state you can obtain one with you and/or the children as the beneficiaries. 

If Your Ex Will Allow It

If your divorce decree does not state anything about a life insurance policy, you will want to talk to your ex about it. If you agree to pay the premiums and it benefits the children, they may have no issue with you doing it. However, if they do not want you to, there typically is nothing you can do about it. In most cases, you have to have their permission or consent in order to take out a life insurance policy on them. 

If you are looking to take out a life insurance policy on either yourself or your ex-spouse to benefit your children in the greater Cincinnati, OH area, Advantage Insurance Network would love to help. Call us today and one of our friendly agents will help you get started. 

Is My Boat Covered While on Land?

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People living in Cincinnati, OH are not required by law to carry insurance on their boat, and if your vessel is very small or has a modest-sized engine or none at all, your homeowner’s insurance may provide some coverage on your boat. In most cases, however, you are going to need a separate policy. Your boat insurance will cover the damage that you cause to another person’s boat or property, and it will pay for costs related to bodily injury. In addition, your boat will be protected if it is harmed in an accident or by running aground.

When Your Boat is out of the Water

Your boat can still be protected when it is on land, but it is most likely that this coverage will not come from your boat insurance policy. Even if you have insurance on your yacht, it will probably only cover that vessel while it is in the water. When your craft is being transported and something happens, the risk is transferred and assumed by your auto insurance policy.

If the boat is parked on your property, the limited indemnification provided by your homeowner’s policy will not extend to your personal possessions if they are stolen or vandalized. The best reassurance you can have for your boat while on land is an umbrella policy that will work alongside your homeowners or automobile insurance to pay all costs related to any sort of damage. 

Advantage Insurance Network is a Trusted Provider of Boat Insurance

Advantage Insurance Network has valuable experience in serving the people of Cincinnati, OH with their various insurance needs, and it will be our pleasure to go above and beyond for you. We invite you to call us or to visit our office location to discuss the particulars of your insurance requirements.  

Why Many Places Require Renters Insurance

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There are a lot of apartment complexes and even individual landlords that require renters insurance in Cincinnati, OH. It is designed to protect you and your belongings. When you sign the lease, you might even be required to show proof of your insurance policy. Understanding why you’re being required to have a policy will make it easier for you to spend the money.

Property Insurance Doesn’t Cover You

Many people make the assumption that the property in Cincinnati, OH has its own insurance. While this is true, it covers the building. It does not cover any of your personal belongings. As such, it’s important that you have a renter’s insurance policy under your name. Agents at Advantage Insurance Network can assist you with finding affordable insurance.

Anything Can Happen

All sorts of things can happen when you’re renting a home. The apartment above you could flood, sending water down on your furniture. The unit next to you could have a fire and spread into your home. You might even encounter a theft. If anything of yours is stolen or damaged, you have the ability to file a claim with the insurance company.

The level of coverage will vary by insurance company and what you choose. When you have more expensive items, you might need a higher level of coverage than what is typically offered. It’s important to identify how much you need. Some places will even set a minimum level based upon what they have seen needed in the past.

By requiring renters insurance, places take care of you. They identify that they are not responsible and they make sure that you have the coverage on your own. When you call Advantage Insurance Network, one of our agents can help you find the right policy to meet your needs.

 

 

Understanding Condo Insurance Coverage

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If you decide to buy a condo instead of renting an apartment or buying a house, you will need to consider condo insurance. Condo insurance is a safety net to protect you and your new property. The Cincinnati, OH agents at Advantage Insurance Network are here to offer you support in your search for the appropriate amount of condo insurance.

Why Condo Insurance

In Ohio, the condos have homeowners associations that maintain insurance for their property. Because you own the unit and not the property, their insurance usually does not cover you. If there were a fire to the exterior of the building, the association would be able to repair the damage with their coverage. If your property inside becomes damaged, you may not be covered.

What You Get from Condo Insurance

Having a condo means you’ll need insurance, just as you would if you owned a house.

  • Personal Liability – if there’s an accident inside of your home, you may be liable for their injuries. You could have to pay the cost of medical bills, equipment, and lawyers’ fees if their injuries are a result of your negligence.
  • Personal Property – if your property is stolen, vandalized, or destroyed, the only way to recover the cost is to have insurance. For example, your condo is burglarized, but you don’t have condo insurance. You would have to replace all of those items out of your own pocket.
  • Building Property – associations may cover the cost of the exterior of your unit, but they don’t generally cover the cost of walls that hold fixtures and built-in bookcases. Condo insurance can help with that.

Buying a condo is a great way to start your life. Make sure to keep your home protected by contacting the agents at Advantage Insurance Network in Cincinnati, OH.

Dwelling FIre Insurance Explained

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While a standard home owner’s insurance policy covers the structure and its contents against numerous hazards, a dwelling fire insurance policy covers against a much more narrow set of hazards. It costs less than a home owner’s policy and it’s customizable nature lets you pick what is covered.

What Dwelling Fire Insurance Covers
Don’t let its name mislead you. Depending on the insurer, a dwelling fire policy may cover: 

  • fire damage
  • smoke-related damage
  • explosions
  • wind damage
  • vandalism

The policy lists only the specific hazards covered. You can choose to cover only the structure or its contents, too. You can customize a dwelling fire policy to cover exactly what you need, including liability. 

Who Benefits from a Dwelling Fire Policy?
Many home owners don’t need a full home owner’s policy. Dwelling fire insurance makes the ideal choice for the following:

  • Landlords who need to insure the building, but not its contents.
  • Property owners whose home is under construction or renovation.
  • Owners of a second home or a vacation home.
  • Home owners of properties with a very low cash value like mobile homes or manufactured homes.
  • Home owners of historic properties whose structural features make a homeowner’s policy cost prohibitive.
  • Owners of significantly older structures in disrepair.

Visit Advantage Insurance Network of Cincinnati, OH to discuss whether a dwelling fire insurance policy works for you. Your Advantage agent can help you design a policy that exactly fits your needs. Remember that only a flood insurance policy covers flood, so if your home resides in a flood zone that requires coverage, you’ll need a separate flood policy. Let us help you design the perfect dwelling fire policy for you.