Split image comparison with a modern house labeled "Before" and a cartoon squirrel, and a quaint cottage labeled "After" with a confused squirrel.

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…

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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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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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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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Water damage claims continue to mount for insurance companies and newer technology is available to reduce or even eliminate these losses. One of our partner companies reported in 2022 41% of their property losses were related to interior water damage. Frozen pipes, broken water supply lines or failure of Polybutylene pipe. No matter the cause…

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Barbecue safety tips for National Grilling Month Learn how to be safe this grilling season This blog is not going to quibble over the differences between grilling and barbequing because I love to cook, using each method. Whether smoking chicken thighs as I did last Saturday to the hotdogs, burgers and corn I grilled on…

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By John Bouhall, CPCU Learn how your homeowner’s insurance premium is affected by big realities. Read three key factors impacting your homeowner’s insurance premium. The current and foreseeable trend in the homeowner’s insurance market is rising premiums. Three main factors are driving this upward trend, which is and will continue to affect the average price…

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Farm & Ranch Insurance vs. Homeowners Insurance: Which Do You Need? Learn several of the differences between Farm and Ranch Insurance and Homeowner’s Insurance While similar, there are some major differences between Farm and Ranch insurance vs. Homeowner’s insurance. It’s not as if one type of policy covers your personal property and liability while the…

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Prepare your summer home for winter: Planning now could help you avoid damage next spring! I saw the school buses out this morning for the first time this year and had to remind myself no more right turns on red on the way to the office. (Ohio’s school bus stopping laws sounds like a topic…

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We all know that college is very expensive. Something you may not expect is an unanticipated accident or theft, not covered by your insurance policy. If you have a student heading away to college, such as Cleveland State, Baldwin Wallace, or John Carroll, below are a few tips to help you get the most out…

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