Before and After: The Cost of Underinsuring Your Home
I’m often asked how home insurance values are determined and why there is a disconnect between market value and it’s insured value. Everyone loves the lowest price on home and auto insurance. Myself included. The ultimate goal though is to ensure that if something happens, you will be made whole again. To do this, it’s…
Read MoreAge Is More Than a Number
Learn why the age of investment properties is a significant underwriting factor. Discover risk factors often tied to older investment properties that affect insurability. Cracking? Peeling? Overhanging? Energy glitches? If you’re over age 60, you may be familiar with one or more of these conditions. A thorough check-up by a healthcare provider may be in…
Read MoreThe Personal Side of Farm Insurance: More Than Just a Policy
When most people think of farm insurance, they imagine numbers on a spreadsheet, legal jargon, and the agreement to protect property and equipment for set prices. But for farmers and their families, it’s much more than that. It’s personal. Farms aren’t just businesses—they’re homes, legacies, and lifestyles. They’re where families gather for Sunday dinners, where…
Read MoreChurch Fire
On average 1,300 church fires are reported each year, don’t become a statistic. With more than $40,000,000.00 in fire damage occurring in Churches each year, this is a great time to review some basic loss control items around your Church. Arson comprises 25% of church fires, 30% of church fires result from mechanical failures related…
Read MoreTake It Up a Notch
Discover a sightseeing adventure with a general interest insurance hook. Learn about the critical role common sense safety plays in risk management. It’s summertime. A time to “get away”, recharge, do something new. On that cue, I’ll start with a few warm-up questions and answers. Next, I’ll transition to a liability insurance and risk…
Read MoreTitle Insurance Fraud A Growing issue
Spring is in full bloom in Greater Cleveland and I’m receiving mailers and flyers everyday either in my mailbox or on my front door touting every service from sidewalk leveling, tree removal, new siding, new garages to total home renovations. The one constant in every advertisement is that the contractor states they are” fully…
Read MoreStuff Happens
Discover three off-the-beaten-path homeowner losses that insurance covered. Read about accidental homeowner property insurance claims that have happened. Big or small, never say you’ve seen it all. Odd but true, mishaps sometimes visit you. Read along, and find out what has gone wrong. So it is with homeowner insurance losses. Today’s blog summarizes three rather…
Read MoreA Closer Look at the Costs of Tariffs to American Farmers
Recently, tariffs have increasingly become a tool in U.S. trade policy, aimed at protecting domestic industries and negotiating international trade deals. Often regarded as a means to bolster American economic strength, the impact of tariffs on certain sectors – particularly agriculture – can prove to be disruptive. American farmers know that tariffs mean lost marketing…
Read More9 Tips for getting your rental properties ready for an enjoyable Summer in Greater Cleveland.
Today people rent for many reasons and renting is looked at differently than it was in the past. So, it is imperative that as the owner of residential rental properties your properties are ready for summer so your tenants can enjoy their Cleveland summer inside and outside. Below is a list of 9 items you…
Read MoreNeed, Greed, and Deed
Learn about church embezzlement and basic safeguards to prevent or detect it. Read two examples of church embezzlement involving access to cash and credit card. Embezzling is stealing. It happens everywhere, from within corporate cubicles, to behind the desks of public officials sworn into office, to right under church roofs. It is actually common in…
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