Insurance Insights

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.

If something here helps clarify your situation, feel free to share it. And if you’d like a personalized review, contact us here.

John Lorince, independent insurance agent at Graziano & Lorince Insurance


Insurance Insights — by John Lorince

Is It Time to Review Your Home & Auto Insurance in Ohio?

Is It Time to Review Your Home & Auto Insurance in Ohio? Many Ohio homeowners and drivers assume their insurance is “set it and forget it.” In reality, home and auto policies can quietly drift out of alignment as rates change, coverage needs evolve, and carriers adjust underwriting rules. If you haven’t reviewed your home and auto insurance in the past year or two, it may be worth taking a closer look. This article explains when a review makes sense, what to look for, and why it doesn’t always mean switching carriers. Why Home & Auto Insurance Reviews Matter More

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Travelers Appoints Graziano Lorince Insurance in a Promising Opportunity

Graziano/Lorince Insurance Welcomes Travelers Insurance as One of Our New Preferred Carriers! We are excited to share some fantastic news with our clients, friends, and community: Travelers has recently accepted our appointment as an official agent for Travelers Insurance, one of the most respected and recognized insurance carriers in the nation. This new partnership is a major step forward in our ongoing commitment to offering you the best coverage, best value, and best service in the insurance marketplace. At Graziano Lorince Insurance, we’re always striving to ensure that our clients have access to top-rated insurance companies that align with our

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Why Home and Auto Insurance Rates are Continuing to Rise in 2023?

Why home and auto insurance rates are continuing to rise in 2023? Thanks to an unusual convergence of market trends, ushered in by the pandemic and followed by other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes time to renew your policies this year.Insurance rates are based on what an insurer thinks it will cost to make you whole in the event of a loss – whether it’s roof damage during a windstorm or a vehicle totaled during a traffic accident. As you’ve likely noticed, pretty

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