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Riders You Can Add to Dwelling Fire Insurance

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You might think that you’ll only need the minimum dwelling fire insurance since you rent each apartment or flat in the building you own. Still, Advantage Insurance Network would like to suggest a few riders to add to your policy that will help you when the inevitable happens. We can help you customize your policy to protect your real estate investment.

What Typical Dwelling Policies Include

Your renters each carry renter’s insurance as long as you require it in your lease. Their policy only protects their belongings and liability.

Your dwelling policy protects the structure of the building from various perils, including fire, tornado, hail, snowstorm and ice damage, etc. It also offers you liability coverage. The riders you can add increase your coverage to include changes in the home and unexpected municipal issues.

Building code coverage

If your building starts in an up-to-code state, your dwelling coverage pays to repair your damaged house, so it returns to its original state if you file a covered claim. If your home is in a state that’s not up to code, you’ll need to pay the difference out of your pocket – unless you add this rider to your policy. With building code coverage, your insurance pays the extra for you to meet local building codes.

Water backup coverage

Water backup coverage doesn’t cover floods; it covers when the sewer backs up, a drain backs up, or a sump pump fails to function. It covers the damage from the water back up and the clean-up costs.

Identity theft restoration coverage

Although you don’t reside at a home you rent to others, you may occasionally get mail there. That leaves you open to identity theft. Adding ID theft coverage means your policy covers the cost of restoring your identity. With this rider in place, the insurance company reimburses you for legal fees, document mailing costs, and lost wages when you file a valid claim.

Construction/Renovation coverage

A temporary rider for construction or renovation covers your home when you make changes to it to increase curb appeal or remodel the interior. The coverage only lasts while the home undergoes the project.

Contact Advantage Insurance Network

Contact Advantage Insurance Network serving Cincinnati, OH for a dwelling fire insurance review. Let us help you determine which riders best serve your situation and update your policy so you stay fully covered.

What Does Flood Insurance Cover?

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If you live in Cincinnati, you know we’re no strangers to severe weather. From flash flooding to the more traditional long-term flooding, it’s always a good idea to be prepared. But what does flood insurance cover? Let’s look.

What Does Flood Insurance in Ohio Cover?

Flood insurance covers the physical structure of your home and any personal belongings damaged by flooding. This can include things like furniture, clothing, and appliances. It’s essential to keep in mind that there are limits to what is covered.

Flood insurance will also typically cover any repairs to your home because of flooding. This can include things like drywall, flooring, and electrical work. Again, it’s important to remember that there may be limits to what is covered. Your Advantage Insurance Network agent can help you understand what is and isn’t covered under your policy.

What Isn’t Covered by Flood Insurance?

While flood insurance will cover some of the damage caused by flooding, there are some things it doesn’t. For example, flood insurance rarely covers the cost of temporary housing if your home is uninhabitable because of flooding. Most policies don’t cover the cost of landscaping or other external features, like pools or decks.

It’s also important to remember that flood insurance has a waiting period before it goes into effect. This waiting period is typically 30 days from purchase. So if you’re in the middle of a storm and need coverage immediately, flood insurance probably doesn’t help you out.

Flooding is always possible here in Cincinnati, OH, so it’s essential to be prepared. While flood insurance won’t cover everything, it can help you recover financially if flooding damages your home or belongings. If you’re considering purchasing flood insurance, talk to an independent insurance agent at Advantage Insurance Network, who can help you find the right policy for your needs.

What should you do if you are involved in a motorcycle accident in Cincinnati, OH?

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Here are some helpful tips if you, unfortunately, find yourself in a motorcycle accident in the city of Cincinnati, OH. Starting with the most important, stay calm and assess the situation.

Stay Calm

The first and most important thing to do if you are involved in any kind of motorcycle accident is to stay calm. Once you have calmed yourself down, you can assess the situation and determine what needs to be done next.

Check Everyone for Injuries

If you are physically able, the next step is to check on the other people involved in the accident. This includes the other driver (or drivers), passengers, and pedestrians who may have been hit by the vehicle. If anyone is injured, call 911 right away.

Move Your Vehicle Out of the Way

If possible, move the vehicles out of traffic after you have called for medical help. If you can’t, turn on your hazard lights so that cars know to be careful when driving around your vehicle.

Exchange Insurance Information

If there are no injuries and it is safe to do so, exchange insurance information with the other driver (or drivers). You will also want to get their contact information if you need to contact them later.

See a Doctor

It is a good idea to see a doctor if you are in a car accident, even if you feel okay. Injuries from motorcycle accidents might not be apparent right afterward. The adrenaline and excitement can mask injuries.

Contact Advantage Insurance Network

Finally, contact an experienced personal injury lawyer in Cincinnati, OH. At Advantage Insurance Network, we can help you with your case and ensure that you are fairly compensated for your injuries.

Four key factors to consider when you choose boat insurance coverage

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When you purchase a boat, you make a significant investment. When you use your boat, you also make yourself susceptible to liability expenses. That’s why you need to purchase boat insurance.

We offer boat insurance at Advantage Insurance Network. The following are four key factors to consider when you choose boat insurance coverage in Cincinnati, OH. 

The type(s) of coverage you want and need

You should know about and be aware of numerous types of boat insurance coverage. These include liability, collision, comprehensive, and contents coverage. 

The value of your boat

The value of your boat impacts how much coverage you need. You should have enough coverage to pay for the full value of your boat. This protects you financially if you file a claim that leads to a total loss of your boat. 

The activities for which you use your boat

It would be best if you considered what your boat is used for. If you use your boat for day-long fishing trips, your insurance requirements will be different than if you use your boat for overnight trips. 

Make sure you familiarize yourself with the boat insurance requirements for various boating activities. 

The places where you’ll use your boat and require coverage

Boat policies typically limit coverage to boat use in certain areas. That’s why you need to discuss where you’ll be using your boat with your insurance provider to ensure you have the coverage you need. 

If you need to find the perfect insurance policy for your boat, we’re here for you at Advantage Insurance Network. You can find the information you need on boat insurance in Cincinnati, OH by contacting our office. 

What Types of Car Insurance Should You Consider?

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Getting a car and driving is a great responsibility. That being said, many different types can make it even more confusing. 

Here are some types of insurance you should consider for your car. 

  • Liability. Liability insurance will pay medical bills for others injured in the accident. It will also protect you if you get sued. This is the minimum amount of insurance that is required by law. 
  • Collision. This insurance pays to repair or replace your car after you are involved in an accident. They may require collision insurance to protect their investment if they have a loan. 
  • Comprehensive. This insurance will cover damage that may occur when you are not driving. This may include storm damage or vandalism. Your loan may also require comprehensive insurance. 
  • Personal injury protection. This will pay for your medical expenses if you are involved in an accident.
  • Uninsured/underinsured motorist. This coverage will protect you if you are in an accident with someone who doesn’t have insurance (or just not enough). It will cover both damages to the vehicle as well as medical expenses. Not all states require this policy, though you may want to protect yourself by adding this to your current policy. 

Getting insurance for your car can be confusing. You may not be sure if you want the liability or if you want it all (or anything in between). For this reason, you should talk to a professional. 

If you want to ensure your car is fully protected, don’t hesitate to contact us today at Advantage Insurance Network in Cincinnati, OH. 

Four Weird Damages Covered by Home Insurance

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Home insurance is designed to protect your home and belongings in the event of damage or theft. But what about the more unusual risks? Did you know that home insurance can also cover damage caused by sinkholes, volcanic eruptions, and even terrorist attacks? Here are four unexpected dangers that your home insurance policy may cover.

1. Cemetery or Gravestone Vandalism

Most people think home insurance protects their property from fires, burglaries, and severe weather.

But did you know that your home insurance policy may also cover cemetery or gravestone vandalism? That’s right – if someone vandalizes a grave in your own cemetery, your home insurance policy could help pay for the repairs. Of course, this coverage is usually only extended to cases of actual vandalism – so if you accidentally damage a gravestone while mowing the lawn, you’re probably out of luck.

But if someone deliberately damages a cemetery monument, your home insurance policy could help to make things right. So, if you’re a cemetery owner, check your policy carefully – you may be protected against more than you realize.

2. Unauthorized and Fraudulent Use of Credit Cards, ATMs, and Debit Cards

It’s a sad fact, but credit card fraud is becoming more common. If you’re a victim of this type of crime, you may wonder if your home insurance will cover the damage. And the answer is yes!

Most home insurance policies cover unauthorized and fraudulent use of credit cards, ATMs, and debit cards. So, if someone uses your card without your permission or you’re a victim of identity theft, you should be covered. Of course, every policy is different, so it’s essential to read your policy carefully to make sure you’re fully protected.

But rest assured, if you’re a victim of credit card fraud, your home insurance should have you covered.

3. Home Damage From Space Debris

It’s not something that we like to think about, but the truth is that our planet is constantly bombarded by space debris. Most of this debris burns up in the atmosphere before it reaches the ground, but occasionally, a piece of space junk will make its way to Earth. And when that happens, it can cause some severe damage.

But don’t worry – if a piece of space debris damages your home, your home insurance should cover the repairs. So, even though it’s a rare event, you can rest assured that you’re protected against it.

4. Damage From Recreational Drones

Drone technology has become more accessible and affordable, and more people are using it for recreational purposes. Unfortunately, these drones can sometimes cause damage, and it’s not always clear who is responsible.

For example, a drone might crash into a window or knock over a piece of property. In some cases, the damage may be covered by home insurance policies. However, because drones are a relatively new technology, many insurers have yet to update their policies to cover this type of damage. As a result, it’s essential to check with your insurer before using a drone on your property. Otherwise, you could be left holding the bill for any damage.

Purchase or Update Your Home Insurance Policy Today

No matter what type of home insurance policy you have, it’s vital to ensure that it’s up to date. The world is constantly changing, and your home insurance policy should change. If you’re looking to purchase or update your home insurance in Cincinnati, OH, Advantage Insurance Network can help. We offer a wide range of home insurance policies so that you can find the perfect one for your needs. Contact us at 513-922-9460 and get started today.

Three types of coverage your restaurant and bar insurance policy should include

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Restaurant and bar insurance is essential for the owner of a bar/restaurant establishment. If you are the owner of a bar and restaurant, numerous types of coverage should be included in your policy. 

At Advantage Insurance Network, we can provide you with any information you need about the restaurant and bar insurance coverage in Cincinnati, OH. The following are three types of coverage your restaurant and bar insurance policy should include. 

Liability coverage

Liability coverage is probably the most important type of coverage you need your restaurant and bar insurance policy to include. Liability coverage protects your company from financial damages resulting from lawsuits. 

Lawsuits are a substantial financial risk for restaurant and bar establishments since customers at restaurant operations can become injured. Liability coverage as part of your commercial insurance policy protects your company’s financial future. 

Property coverage

Restaurant and bar operations need to invest in a physical location. If the physical building out of which you’re doing business becomes damaged, your company will no longer be able to continue bringing in revenue. 

Property coverage can pay for repair costs if your facility becomes damaged. This type of coverage ensures that you’ll continue to have a physical location where you can do business. 

Workers’ compensation coverage

As a restaurant and bar owner, you inevitably need to have a staff of employees to serve your customers. Restaurant and bar employees could potentially become injured on the job, so you need to carry workers’ compensation coverage as part of your commercial insurance policy. 

We’re happy to assist you when you’re looking to meet your insurance needs as a restaurant/bar owner in Cincinnati, OH. Call or email us today at Advantage Insurance Network.

What comes with my contractors insurance plan in Ohio?

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Becoming a contractor can be a great option and career path for those in the Cincinnati, OH area. When you are looking to become a contractor here, you will want to spend time assessing your insurance needs. One great type of coverage to get as a contractor is contractor’s insurance, which offers unique benefits and forms of coverage that can help support your business. 

Contractor Liability Mitigation

One type of coverage you will get when you have a contractor’s insurance plan is contractor liability risk mitigation. If you are a contractor, there is always a chance that you could make a mistake that will lead to a loss for another party. The contractor’s insurance plan will give you coverage and support against the claims if you are liable for damages. 

Protection for Assets

As a contractor, you must invest in various tools and assets to help compete for jobs and run your business. These assets will be necessary to be efficient and serve your clients. Due to this, having protection for your assets is quite important. When you have a contractor’s insurance plan, it will provide coverage if you incur a loss due to theft or damage to your assets. 

Getting an insurance plan for any business in the Cincinnati, OH area is a good idea. When you are looking for contractor insurance, it is smart to start by contacting the agents with Advantage Insurance Network. Many choices need to be made, and Advantage Insurance Network will give you the guidance and support you need. Our insurance professionals will help you evaluate your contracting business and offer great insight as you build a plan. 

Can you buy more than one health policy?

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In Cincinnati, OH, most people now obtain health insurance coverage at their workplace. Since the US government started requiring employers to provide health insurance for their full-time employees, the number of uninsured dwindled.

At Advantage Insurance Network, we know the policy still leaves the part-time employees without health insurance coverage. Some full-time employees also want to supplement their health insurance by adding a policy. You can do that through our insurance company.

Supplemental Insurance Isn’t Just for Medicare.

If you’re older or have a parent who’s old enough to qualify for Medicare, you probably know about Parts A through N. A 23-year-old who obtains insurance through full-time employment from the employer can also purchase supplemental health insurance – just not a Medicare plan.

Many types of supplemental health plans exist. Medicare supplemental plans offer one example and an example that many people understand.

Any person can purchase a health insurance plan. Even individuals with a pre-existing condition can buy health insurance. The policies covering those with pre-existing conditions typically cost more, but they provide essential coverage.

You can also purchase a health insurance plan for anyone of any age. Many schools offer student health plans that the parent can buy at a reduced premium rate because so many individuals purchase the plan. The school might purchase a group plan and each student who decides to buy the insurance helps keep the cost low. The student’s parents might want to enhance the coverage offered by that policy, though. For that, they purchase a health insurance policy directly from Advantage Insurance Network.

Contact Us For More Information

In Cincinnati, OH, let Advantage Insurance Network help you obtain the insurance you need to protect your or your family’s health. Call us today.

What riders can you add to a condo policy?

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At Advantage Insurance Network, serving the Cincinnati, OH metropolitan area, we offer custom condo policies that provide the exact coverage you need. We do this by offering riders that you can add to your policy to cover specific goods in your household.

What is a Rider?

In insurance, the term rider refers to a clause in the policy that provides coverage of a specific item or category of items for an additional cost. Typically, the items covered fall into one of three types:

  • Jewelry
  • Collectibles
  • Specialty or hobby items

These expensive items often exceed the coverage on a condo policy and require extra insurance to protect you from financial loss.

Doesn’t a Condo Policy Cover Property?

Your condo policy does provide some coverage for personal property. This amount covers typical items, like replacing the average person’s wardrobe. If you only own designer duds, you’d need to add a collectibles rider to cover the financial cost of replacing your Prada, Chanel, and Versace threads. Otherwise, you’d get stuck footing the bill for most of your wardrobe replacement.

The typical condo policy offers about ten percent of the condo’s value as personal property coverage. That means that if your condo has a real estate value of $250,000, you’d have about $25,000 of personal property coverage, which might pay to replace one or two items of haute couture clothing.

The personal property coverage covers all of your personal property. That means it would also need to pay for your computer, camera, mobile phone, tablet, TV, etc.

Benefits of Insurance Riders

The most significant benefit of this increased coverage is knowing that your policy replaces your loss. When you add a rider for a piece of jewelry, for example, your $10,000 engagement ring, you know that the policy will cover the purchase cost in case of a loss. You also won’t have to pay a deductible, or the rider will contain a very low deductible, typically less than $100.

Insuring an item or collection using a rider to your condo policy also provides accidental loss coverage while costing you less for the protection. Most insurance policies don’t offer accidental loss or "mysterious disappearance" coverage, which refers to you forgetting the ring in the example, at the gym, or while staying in a hotel. You also save money on the coverage because adding a rider to a condo policy costs less than purchasing a separate jewelry or art collection.

Contact Us Today

Contact Advantage Insurance Network serving the Cincinnati, OH metropolitan area to add a rider to your existing condo policy with us or buy a new one with riders for your expensive belongings. Let us help you protect your financial security.