Insurance doesn’t have to be confusing. This blog shares clear, real-world insights on home, auto, business, and specialty insurance—written to help you better understand coverage, costs, and common pitfalls.
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Insurance Insights — by John Lorince
Why Every Property Owner Should Create a Video Inventory Before a Loss Happens Most homeowners and property owners believe that if their home were ever damaged by a fire, tornado, or another major covered loss, the insurance company would simply “figure it out” and issue a payment. In reality, insurance claims don’t work that way — especially when it comes to personal property coverage. If everything inside your home were suddenly gone, you would be asked to prove what you owned, describe it in detail, and assign a reasonable value to each item. And you’d be asked to do this
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Why Insurance Gets Harder After 5 Rental Properties | Ohio Rental Property Insurance Why Insurance Gets Harder After 5 Rental Properties (And What Smart Landlords Do About It) If you own rental property in Ohio or manage properties here from out of state, insurance changes quickly once you cross five rental units. For landlords with LLC-owned rental properties, higher deductibles, declined quotes, or lender issues often appear with little warning. This isn’t bad luck. It’s how insurance carriers evaluate portfolio risk—and it’s a common turning point for investors who are building a real estate business. If you’d rather skip the
Read more →How to Get More Insurance Choices for Less Money Most people assume that saving money on insurance means giving up coverage. In reality, the opposite is often true. Working with an independent insurance agent can give you more choices — and often lower costs. Why More Insurance Options Matter Unlike captive agents who can only offer policies from a single company, independent insurance agents work with multiple carriers. That means we can compare coverage options, pricing, and features across many insurers to find the best fit for your needs and budget. More carriers means more pricing opportunities Better ability to
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