After touting the benefits of telematics to my insureds for the past decade I have gone ahead and signed up and downloaded the app and am earning cash! I would have jumped in sooner but the carrier I have had my insurance with for 25 years did not offer telematics. Telematics is a way for…

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Read a basic homeowners’ maintenance checklist to prepare for colder weather. Learn how homeowners may prepare for or prevent disruptive loss to their homes. Homeownership is an ongoing responsibility, as much as it is an ongoing expense. Mortgage payments, property taxes, home insurance, utility bills, routine maintenance and repairs, necessary replacements, optional upgrades. To some…

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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…

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On Wednesday, March 19, 2025 at 9:50 am the Ohio Emergency Management Agency and the National Weather Service conducted a Statewide Severe Weather Tornado Drill. While holding a drill is important, for you and your family you should also create an emergency plan in case there is a tornado or other severe weather situation like…

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Learn five factors impacting the entire U.S. homeowners’ insurance market. Read why natural disasters anywhere in the U.S. affect individual homeowner insureds. The pool is the multibillion-dollar U.S. homeowners’ insurance market. Its size belies the reality of what is necessary to keep the pool responsibly afloat. More and more, multiple regions of the U.S. home…

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This has been a beautiful fall in Northeast Ohio warm weather and not a lot of rain but the winds have been howling, garbage cans blown around leaves everywhere and a couple of large trees in my neighborhood have been blown over. So, does insurance cover fallen trees? Homeowner’s insurance covers the cost of damage…

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Read about recent changes to my own homeowner’s insurance policy. Learn why the long-run stability of your homeowner’s insurance company is important. My homeowner’s insurance policy renewed recently, and I got IMPORTANT mail from my homeowner’s insurance company. The IMPORTANT mail focused on recent changes to my homeowner’s insurance policy, most of which apply to…

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To me summer is still in full swing but to Ellen my wife it’s winding down as her first teachers’ meeting is today! So, it is probably a good time to start thinking about some travel safety tips as students start heading back to school in Northeast Ohio. While safety tips for kindergartners and college…

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Warmer weather is just around the corner for Northeast Ohio and now is the time to get your central air conditioning system ready. Most homes in Greater Cleveland use as split system. Split systems are sealed and pressurized and use circulating refrigerant to create the cooling for your home. Keeping your system running properly starts…

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Read about a real-life situation involving auto insurance and a young adult driver. Learn why named non-owned auto liability coverage is needed for some young drivers. Every generation is different. One difference I never imagined was that large numbers of kids in any generation would put off obtaining a driver license. For baby boomers, a…

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