PRIVATE CLIENT / PERSONAL INSURANCE ADVICE test

can be better
Your personal insurance can be a life saver! Having the most complete balance of insurance coverage without being insurance *poor. (*AKA paying to much $) is key to your bottom line. Explore some ideas to find that balance in your insurance.
TWO QUESTIONS PEOPLE IN OHIO ARE RECENTLY ASKING
Does my policy cover an Earthquake? LIKELY NOT
Do I need it? LIKELY YES
From 2005 Ohio has had 70+ Earthquakes
In Ohio Earthquake Coverage is Relatively Inexpensive
2 THINGS TO THINK ABOUT ON DIFFERENT WAYS TO GET THE MOST SAVINGS

1. Put jewelry on a standalone policy

You would not want your homeowners policy potentially cancelled because you had a large claim when for example a watch was stolen from your locker at the gym. If it is on your homeowners it could impact your cost of home/renters insurance.

2. Ask your agent for the premiums for a higher deductible

A small change in deductible can sometimes equate a large savings over a year. ASK FOR LOTS OF OPTIONS!
LOOK OUT FOR YOUR SELF OUR STATE MIMIMUM COVERAGE FOR AUTO LIABILITY is $12,500 per person injured in any one accident and $25,000 for all persons injured in any one accident.
Because the person driving next to us might have the low limits above we recommend to seek the most coverage for underinsured/uninsured motorist coverage via the largest available limits on our auto policy or an Umbrella Policy. Having ONLY $12,500/$25,000 of that person’s state minimum coverage will not get you that far in hospital if you are badly hurt.

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Although insurance products can be complex, we take a simple systematic approach to balance cost and risk while always focusing on you.

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