John Lorince 
One of the most common questions homeowners ask is: “Why is my home insured for more than it’s worth?” It is a fair question. The answer is that homeowners insurance is generally not designed around what your house might sell for on the real estate market. Its primary purpose is to help cover what it … Read more
Recently replaced your roof? A roof replacement is one of the biggest investments homeowners make. It may be worth reviewing how your Homeowners Insurance currently reflects that update. New roof home insurance considerations are something many homeowners overlook after replacing a roof. Replacing a roof is a major investment – and one of the most … Read more
As home values rise, income increases, and investment accounts grow, liability protection should be reviewed along with the rest of a household’s financial picture. Umbrella coverage can become more important as assets, property ownership, future earnings, and overall financial exposure grow. For many families, the conversation eventually shifts from “What does my policy cost?” to … Read more
A practical room-by-room guide to documenting your belongings before a fire, storm, theft, or other major loss.
How portfolio size, LLC ownership, local management, and carrier appetite can affect insurance for Ohio landlords with multiple rental properties.
A practical look at Travelers as another potential option for eligible Ohio home, auto, renters, condo, umbrella, and business insurance customers.
Why insurance premiums can rise even without a claim, including repair costs, rebuilding expenses, severe weather, reinsurance, liability trends, and practical steps to review your coverage.
Choosing an insurance agent is about more than finding a price. It is also about understanding your options, identifying meaningful coverage differences, and working with someone who can help match a policy to the way you live or operate your business. Captive and independent insurance agents: what is the difference? A captive agent generally represents … Read more