advantage insurance network

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.