Insurance Coverage

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Hartford Insurance Announces An Updated Ohio Homeowners Insurance Package

Monday, September 26th, 2011

Are you looking for insurance from Hartford Insurance in Cincinnati? Call our independent insurance agency in 513-662-7000 to receive the best rates from Hartford Insurance, or click here for instant online rate quote from Hartford Insurance in Ohio.

Besides extremely competitive commercial insurance in Cincinnati, The Hartford also offers a broad variety of low cost homeowners insurance in Cincinnati + automobile, and umbrella insurance.

New Ohio Homeowner’s Insurance Policy from Hartford Insurance 

A brand new homeowner’s insurance policy in Cincinnati is available through Hartford insurance called Home Advantage and Home Advantage Plus. Please note some of the new features of this homeowner’s insurance policy available through Hartford Insurance in Ohio.

The Hartford ID Restore Services, Green Rebuilding Coverage, Equipment Protection Advantage Coverage, Valuable Items Blanket Coverage, and One Deductible (applies only when written on the Auto with Home).

The Hartford ID Restore – The hardest part of dealing with an identity theft situation can be determining how to get started on restoring or protecting your identity. Customers of The Hartford receive free, unlimited access to The Hartford ID Hotline, and Identity Theft 911’s Resolution Center, where qualified fraud specialists will provide personal, one-on-one attention to questions or concerns about identity theft, fraud or the safety of your personal information. Identity Theft 911’s Fraud Specialists will help you take proactive steps to avoid becoming a victim of identity theft, or take you through the recovery process step by step and restore your peace of mind.

Green Rebuilding Coverage — Offers additional coverage for using environmentally-friendly materials or processes to make repairs after a covered loss or making necessary replacements with more energy-efficient or environmentally-friendly property.

Equipment Protection Advantage Coverage – For the repair or replacement of appliances, electronics and systems in your home that are subject to mechanical or electrical breakdown.

Valuable Items Blanket Coverage – Our Blanket Coverage is an easier way to protect higher-valued possessions without the added paperwork of scheduling or appraisals. Total available limits range from $10,000 to $50,000 depending on the category of valuables, including jewelry, watches, furs, silverware, fine arts, cameras, computers, musical instruments, china and crystal, and firearms. The maximum limit is $10,000 per item.

Call Pathway Insurance at 513-662-7000 for Insurance in Cincinnati

 

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Posted in Automobile Insurance in Cincinnati, Home owners insurance, Independent Insurance Agency, Insurance companies in Cincinnati, Shopping for insurance on the internet, Umbrella Insurance, Why Choose our Cincinnati Insurance Agency? | No Comments »

Renters Insurance in Cincinnati

Monday, June 27th, 2011

Are you in the market for renters insurance in Cincinnati?  The best rates on renters insurance in Cincinnati can be found only with an independent insurance agency. Why? Only independent insurance agencies in Cincinnati can shop the market for the best rates. Call 513-662-7000 or feel free to use our online renters insurance quote system available in all 50 states.

Renters Insurance in Cincinnati, What Is It?

Simply put renters insurance provides coverage to protect your personal property. Please note one company definition:

We cover personal property owned or used by an insured person anywhere in the world. This includes items not permanently attached to or otherwise forming a part of the realty. When personal property is located at an insured person’s residence, other than the residence premises, coverage is limited to 10% of the Coverage C – Personal Property coverage limit, or $1,000 whichever is greater. This limitation does not apply to personal property in a newly acquired principal residence for the first 30 days after you begin to move property there.

Limitations of Renters Insurance.

You should be aware that the majority of renter’s insurance policies that are available for sale will only cover claims that occur if they are named in the insurance policy. This is better known as a named perils insurance policy. You can click here to read a list of the 16 perils covered by one company offering renters insurance in Cincinnati.

An optional endorsement might be available with some insurance companies in Cincinnati that would provide what is sometimes called “all risk coverage.” This endorsement does not restrict coverage to only 16 possible events. You can call us at 513-662-7000 for details about this.

Like any insurance policy there are also exclusions, limitations of coverage and terms and conditions that are built into the renter’s insurance policy that you need to be aware of.

Are Personal Electronics Covered, Such As My IPhone, IPad, Computers, Plasma/LCD TVS, or Entertainment Systems?

Depending on what event causes the damage to these personal possessions will dictate whether or not coverage will apply for your renters insurance policy.  A new book written by Jack Thomas that will be released later this year will provide real-life coverage scenarios that show how insurance companies reject or deny claims and how you can avoid potentially tens of thousands of dollars of reimbursable insurance claims.

Contact Pathway Insurance at 513-662-7000 for Your Renter’s Insurance Quotes in Cincinnati.

Our agency offers a complete line of products if you’re looking for insurance in Cincinnati.

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Flood Insurance in Cincinnati

Sunday, June 26th, 2011

Do you want information about flood insurance in Cincinnati? Contact 513-662-7000 to speak with one of our insurance representatives who can help you with flood insurance.

Flood Claims Are Excluded on Your Homeowners Insurance Policy

Unfortunately if your home becomes flooded due to an outside water source entering your premises it’s likely that any resulting damage will be excluded by your homeowner’s insurance policy. The reason why is due to a specific exclusion in the homeowners insurance policy.

Regrettably many people have learned the hard way that a flood is automatically excluded with every homeowner’s insurance company.

Please Note How the Flood Damage Exclusion Is Described:

We do not cover loss resulting directly or indirectly by any of the following under any Section I – Property Protection coverages. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss.

  • Water damage, meaning: a. flood, surface water, waves, tidal water or overflow of a body of water. We do not cover spray from any of these, whether or not driven by wind; b. water or water-borne material which backs up through sewers or drains or which overflows or is discharged from a sump, sump pump or related equipment; or c. water or water-borne material below the surface of the ground. This includes water which exerts pressure on or flows, seeps or leaks through any part of a building or other structure, sidewalk, driveway, foundation or swimming pool; caused by or resulting from human or animal forces or any act of nature.

Flood Insurance in OhioFlood Insurance in Cincinnati Is Only Available through FEMA

Flood insurance can be purchased through our agency by calling 513-662-7000, but it is underwritten by the Federal Emergency Management Agency. (FEMA) Certain insurance companies have been authorized by FEMA to administratively issue flood insurance policies.

You should be aware that flood insurance has limitations and exclusions of coverage and will not cover every single incidence of a “flood.” You can download a copy of the standard flood insurance policy issued by FEMA by clicking here:  Flood Insurance Policy

If You Need Flood Insurance in Ohio, Kentucky, or Indiana Call 513-662-7000

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Best Prices on Umbrella Insurance in Cincinnati

Saturday, June 25th, 2011

Do you need an umbrella insurance policy in Cincinnati and you’re looking for the best prices? Call 513-662-7000 and speak with one of the experts with our independent insurance agency. Umbrella insurance quotes are available in all 50 states click here.

Do I Really Need Umbrella Insurance in Cincinnati?

If a serious accident or claim occurs and you do not have umbrella protection you may be in serious financial jeopardy due to the fact that all of your personal assets can be taken from you to satisfy court order judgments that are levied against you.

If you believe that filing bankruptcy will help you if a large judgment is assessed against you, you might want to reevaluate that idea.

The court system will first take away all of your liquid assets to satisfy the judgment! So another words, if you had $500,000 in a mutual fund which amounts to your entire life savings, and a $1 million judgment is assessed against you, they will take your $500,000, every single penny! The court could write off the other $500,000, or set up a garnishment order against your future earnings.

Recent Example Where an Umbrella Insurance Policy Would’ve Come in Handy

A local police officer was severely injured by a person who hit the officer by accident and subsequently fled the scene. Later that person turned themselves in. The police officer sued for his injuries and was awarded $1.9 million. If this person did not have an umbrella insurance policy they would need to pay $1.9 million completely out-of-pocket!

Our Agency Can Find You the Best Prices on Umbrella Insurance in Cincinnati

Call 513-662-7000 or send an e-mail to Jack@pathwayinsurance.net

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Restaurant Insurance in Cincinnati

Friday, June 24th, 2011

Do you own a restaurant in the tri-state area and you need affordable restaurant insurance options? Please call 513-662-7000 and speak with our insurance professionals. If your restaurant is not located in Ohio, Kentucky, or Indiana you can request an online insurance quote in the other 47 states by clicking here.

Restaurant Insurance in Cincinnati Is More Complicated Than You Might Think.

Your business is your biggest investment. To protect your biggest investment you need to make sure that you have the best restaurant insurance plan to meet your needs. Your insurance needs might be much more complicated than you might imagine. We have developed a restaurant insurance coverage checklist specifically for your business that will help you choose the best restaurant insurance coverage for your insurance needs.

Your Restaurants Business Insurance Plan Should Include Five Specific Areas of Coverage

  • Property Protection- For physical damage to equipment, furnishings, building and supplies due to covered claim events. (There are three specific coverage forms. Basic, broad, and special causes of loss. More about this in a future article.)
  • Premises Liability-Liability protection that covers customer injuries due to slips, trips and falls as well as consumption of food products. (i.e. food poisoning.)
  • Employee Injuries-This is Worker’s Compensation and it is required by the state.
  • Liquor Liability Insurance in Cincinnati-This is an optional liability coverage that protects your business in the event you are held liable for injury or property damage due to a person’s intoxication in your establishment. (Assumes you serve alcohol.)
  • Group Health Insurance- It is not yet mandatory under Obamacare for your small business to be required to offer group health insurance, but it may be a requirement in the near future. Click here for more information about group health insurance in Cincinnati.

Which Insurance Plan for Restaurants Is Best for Your Needs?

Call 513-662-7000 if your restaurant is located in the state of Ohio, Kentucky, or Indiana. If you live outside of these areas and you would like a restaurant insurance quote, click here for companies offering the best rates on restaurant insurance.

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