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

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.

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 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

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

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.

Are you looking for an umbrella insurance policy in Cincinnati? Call 513-662-7000. We offer both commercial umbrella insurance and an umbrella for your personal insurance needs.

What Is an Umbrella Insurance Policy?

An umbrella policy is simply an extra layer of insurance coverage that sits on top of your base coverage provided by your car, home/condo/renters, boat, motorcycle, or ATV insurance.

The umbrella insurance policy may be used when the underlying liability limits have been exhausted.

Let’s review an Umbrella Insurance Scenario:

Your newly licensed 16-year-old son, because of a lack of experience causes a car accident and injures two people. The first person suffered only minor injuries but the second person named Bobby was seriously injured and suffers a permanent disability due to the car accident and can no longer work at his profession.

Bobby files a lawsuit against you as the parent, seeking $2 million due to his injuries and his loss of employment income. A judgment is assessed against you for $2 million.

This Is How an Umbrella Insurance Policy Works

Let’s assume that your base coverage limits of your car insurance policy are $500,000. (Many companies require a minimum of $250,000 per person, $500,000 per accident coverage for liability insurance. In this instance we’re assuming that the company required $500,000 in combined single limit liability coverage.)

So in this instance the $500,000 of base liability coverage on your car insurance policy goes toward the $2 million judgment and at that point your umbrella policy kicks in.

If you have a $2 million umbrella policy, $1.5 million is paid from the umbrella making a $2 million payout.

Umbrella Insurance in Cincinnati Is Very Affordable.

If you’re considering an umbrella insurance policy in Cincinnati they are much more reasonable than you may think. A $1 million umbrella policy could cost you as little as $140 per year.  You can read this additional article on why umbrella coverage is important by clicking here.

Call 513-662-7000 to Speak with the Umbrella Insurance Experts in Cincinnati

Are you searching for information about Medicare supplement insurance in Cincinnati, or looking for a no cost Medicare advantage plan in Cincinnati? Please call 513-662-7000 with questions or to receive information.

Medicare in Cincinnati

If you are age 65 years or older, or under 65 with certain types of disabilities you may qualify for Medicare insurance. There are three different parts to the traditional Medicare insurance program.

Medicare Part A is Hospital insurance which covers inpatient care in hospitals. Additionally it helps cover skilled nursing facility, hospice, and home health care.

In reference to a skilled nursing facility the first 20 days the Medicare patient pays nothing. The following 80 days your deductible is $141.50 per day, Medicare pays the balance. Admission to a skilled nursing facility must occur within 30 days of a hospital confinement of three or more days; it needs to be an extension of the hospital treatment; it must be for daily skilled nursing and or therapy services which can only be provided on an inpatient basis. You should be aware that there are more terms and conditions and restrictions than what are indicated in this article.

Medicare part Badditionally helps to cover doctor services, hospital outpatient care, and home healthcare. Furthermore it covers many preventative services.

Medicare part D is prescription drug coverage and it helps to cover the cost of prescription drugs or lower the cost of prescription medication.

Medicare Supplement Insurance in Cincinnati

A Medicare supplement insurance policy is one that is designed to supplement original Medicare. It is underwritten by a private insurance company and it is meant to pay some of the gaps that traditional Medicare will not. Medicare supplement insurance is sometimes referred to as Medigap plans. There are 10 different Medigap plans in Ohio. We can help you choose the best Medigap plans in Ohio based on your individual circumstances. Call 513-662-7000 to speak with a representative.

Medicare Advantage Plans in Cincinnati Versus Traditional Medicare and Medicare Supplement Plans. Which Is Best?

A Medicare advantage plan in Cincinnati is an option to traditional Medicare, and it may be somewhat similar to traditional health insurance plans that you may be accustomed to. A Medicare advantage plan may offer doctor co-pays and prescription benefits. Medicare Advantage Plans in Ohio differ from company to company and there is no universal standard of coverage as is true for Medigap plans in Ohio.

Which Ohio Medicare Plan Is Best for Your Circumstances?

Call 513-662-7000 and speak with one of our professional agents that can provide vital information to assist you in your Medicare decisions.

Are you looking for Long Term Care Insurance in Cincinnati? Contact the long-term care insurance experts of Cincinnati by calling 513-662-7000.

Do I Really Need Long-Term Care Insurance?

If you have financial assets to protect you should definitely consider purchasing long-term care insurance. The reason why it’s important to consider investing in a long-term care insurance policy is that it can safeguard your investments and savings from being depleted due to the expense of a long-term care. A lifetime of savings can be wiped out in a fairly short period of time for nursing home care.

What Does Nursing Care Cost in Ohio?

According to a study completed by Genworth Financial the annual median cost for a stay in a nursing care facility for private room is $76,650 per year. A semi private room runs about $69,350 per year. If you were to hire a homemaker service, or a home health aide, that might cost as much as $41,367 per year. A lifetime of savings could be depleted in just a few years.

Long-term care insurance is a means to safeguard your assets that you may need to use to live on in later years. Long-term care insurance is a method to transfer the risk to the insurance company much in the same way that you transfer risk to the insurance company on your home or cars that you own.Without long-term care insurance or substantial financial assets, a loved one will not be able to afford to stay in the best nursing homes in Cincinnati.

What Long Term Care Insurance Company in Cincinnati Is Best?

There are a number of insurance companies offering long-term care insurance in Ohio and it’s best to work with an independent insurance agency that is not restricted in offering long-term care insurance from only one company.

Call 513-662-7000 to Receive a Long Term Care Insurance Quote in Cincinnati.

Are you looking for disability insurance in Ohio? Disability insurance is a very important coverage, yet it is the least likely type of insurance purchased by consumers. If you would like to discuss your disability insurance needs please call the disability insurance experts of Cincinnati at 513-662-7000.

What Is Disability Insurance?

Disability insurance simply provides a predetermined income to the policyholder if they are no longer able to work due to an accident or illness. Some employers provide group disability insurance for their employees. If you have group disability insurance it can come in two different types. You can have group short term disability insurance and long term disability insurance.

Disability insurance can also be purchased individually yet most people don’t even consider purchasing disability insurance in Ohio despite the fact that a person’s chances of being disabled 90 days or more prior to age 65 is greater than a person’s chance of death! The 2004 Field guide from the National Underwriter states that at age 40, your chances of becoming disabled for 90 days or more prior to age 65 is 43%.

If You Become Disabled How Will You Pay Your Bills?

In the event you developed an illness or an accident caused you not to be able to earn employment income for six months, how would you pay your bills? That’s where disability insurance comes in. Disability insurance can provide you the necessary income that you need to financially survive.

Prior to the current real estate crisis, the number one reason why someone would lose their home is due to a disability!

Can You Purchase Disability Insurance to Cover a Pre-Existing Illness That Could Lead to a Disability?

The likely answer is no as disability insurance is fully underwritten by an insurance company, but just to make sure contact our office to discuss your disability insurance needs. Our office number is 513-662-7000 or you can send an e-mail to Jack@pathwayinsurance.net

In a future article we will discuss the various types of disability insurance policies available in Ohio, Kentucky, and Indiana.

Want to Find the Best Disability Insurance in Cincinnati? Call Pathway Insurance at 513-662-7000

Are you looking for insurance in Cincinnati? Call our Cincinnati insurance agency our local number is 513-662-7000 or click here to receive your Cincinnati online insurance quote.

In our last article we discussed the fact that some Cincinnati car insurance companies do not allow you to give permission to another person to drive your car. (If an accident occurs with this restriction in your Cincinnati automobile insurance policy the company would have the right to reject your claim.)

How do you know whether or not this exclusion is in your Cincinnati car insurance policy?

Any restriction or exclusion of coverage for car insurance in Cincinnati is going to be listed in the exclusion section of your personal automobile insurance policy.  To learn whether or not this exclusion or restriction of coverage is in your policy, you need to read your policy!

Have you ever read your Cincinnati car insurance policy?

The average person probably will never take time to read their insurance policy.  Even if you read your policy from cover to cover would you understand it?  Insurance policies are written in a foreign language to most of us, they are written in legalese.  The language of attorneys.

“Last year more than 300,000 individual complaints were filed against insurance companies.”

Would you like to hazard a guess on the top two reasons why consumers file complaints against insurance companies?

If you buy insurance in Cincinnati you need more than a good price, you need advice. ™

Insurance is often misunderstood and the end result for you as a policyholder could be a claim denial.

We are the only insurance agency in Cincinnati to offer this unique educational service to Cincinnati policyholders.  You can call our office at 513-662-7000 to learn more about this educational service. (It’s a free service available only to clients of Pathway Insurance.)

In our next article we will share more details with you about this unique service.

Why should you choose our Cincinnati insurance agency?

We offer great rates on insurance in Cincinnati, but we think that great rates are absolutely worthless to you as a policyholder if you get a price without any advice. ™