If you need flood insurance in Ohio, Kentucky, Michigan, or Indiana call Pathway Insurance at 513-662-7000. 

Flood damage is automatically excluded from home, condo, renters, landlord, and business insurance policies. Flood insurance can only be purchased through the National Flood Insurance Program.

Don’t think for a Second that your Home Could not be Flooded!

In the last few years only 20% of flood victims were covered by flood insurance!

That means 80% of homeowners paid to cover the damage caused by a flood completely out of pocket! 

Two Inches of Flood Water in Your Home Could Cost You Over $21,000!

Please click on the interactive tool below to learn how much a flood could cost you in repair costs.

Call Pathway Insurance at 513-662-7000 for Flood Insurance.

The biggest mistake you could make is reducing your coverage to save money on your homeowners insurance. Everyone is looking for the cheap home insurance in Dayton but before you take that step to purchase cheap coverage. Call the home insurance experts with Pathway Insurance at 513-662-7000.

We can help you design a home insurance plan that takes a balanced approach between reducing cost, and not reducing benefits. Or for an online insurance quote click: Home Insurance.

Why Saving Money on Insurance Can Cost You Money?

Isn’t it true that every single insurance company advertising on television tells pretty much a universal story on how important it is for consumers to save money on insurance? It’s true.

However what companies typically do not advertise is how insurance can save you financially in the event of a catastrophic claim.

Consumers have been misled into believing that the only thing that matters is the price you pay for the insurance, this is far from the truth.

Why? Insurance is far more complicated than the price you pay for it. ™

This Is How Insurance Is Different Between Companies

There are 4 specific factors or elements on insurance that consumers need to understand and take into consideration before they make a decision to change to another insurance company.

Each one of these areas can have an impact on you financially. What are the four factors?

1. Insurance policies are not identical
2. Claims reputation differs between insurance companies
3. Insurance endorsements can add or take away coverage from your policy
4. Are you given insurance education by your company? (Knowledge is power.)

Let’s discuss the first area, which unfortunately is one of the most important factors that consumers pay absolutely no attention to because we have not been taught that it is something important. It’s an area that could literally cost you tens of thousands of dollars out of pocket if you have purchased the wrong insurance policy.

Did You Know Home Insurance Policies Are Not All Identical?

Certain insurance companies by means of television advertisements have attempted to subtly convey the opinion that the only difference between insurance policies is the price that you pay for that protection. That is absolutely not the truth, here is the reason why.

There can be many major differences in home insurance protection and coverage between companies. So you can have the same property coverage limits and deductibles on your homeowner’s insurance policy, but the claim results can turn out completely different between company to company, because of the language in the insuring agreement of the insurance policy itself.

In a new book that I am publishing, I will give actual examples of how a particular homeowner’s claim could be covered with one insurance policy, but would be denied by another insurance policy.

The First Thing You Need to Know About Insurance

The very first thing that you have to understand is that insurance policies are not identical. There can be significant differences between insurance company policies that could cost you a large sum of money if you are not aware of those differences.

In a future article we will discuss why the claims reputation of your insurance company is also vitally important.

If you are unsatisfied with your current insurance carrier why not give us a call? Our office number is 513-662-7000 or you can receive an online home quote by choosing: www.pathwayinsurance.net

Why You Should Not Save Money on Home Insurance in Cincinnati?

Don’t fall for the trick of purchasing cheap home insurance Cincinnati.

The biggest mistake you could make is reducing coverage to save money on your insurance. You could inadvertently save a small amount of money now, but cost yourself tens of thousands of dollars later.  

Call the Cincinnati homeowners insurance experts with Pathway Insurance at 513-662-7000.

We can help you design a homeowner’s plan that takes a balanced approach between reducing cost, and not reducing benefits.  Or for an online insurance quote click: Home insurance Cincinnati.

Why Saving Money On Insurance Can Cost You Money?

Isn’t it true that every single insurance company advertising on television tells pretty much a universal story on how important it is for consumers to save money on insurance? It’s true.

However what companies typically do not advertise is how insurance can save you financially in the event of a catastrophic claim.

Consumers have been misled into believing that the only thing that matters is the price you pay for the insurance, this is far from the truth.

Why?  Insurance is far more complicated than the price you pay for it. ™

This Is How Insurance Is Different between Companies

There are 4 specific factors or elements on insurance that consumers need to understand and take into consideration before they make a decision to change to another insurance company.

Each one of these areas can have an impact on you financially. What are the four factors?

1. Insurance policies are not identical
2. Claims reputation differs between insurance companies
3. Insurance endorsements can add or take away coverage from your policy
4. Are you given insurance education by your company? (Knowledge is power.)

Let’s discuss the first area, which regrettably is one of the most important factors that consumers pay absolutely no attention to because we have not been taught that it is something that’s important for us to pay attention to. But it’s an area that could literally cost you tens of thousands of dollars out of pocket if you have purchased the wrong insurance policy.

Did You Know Homeowners Insurance Policies Are Not Identical?

Certain insurance companies by means of television advertisements have attempted to subtly convey the opinion that the only difference between insurance policies is the price that you pay for that protection. That is absolutely not the truth, here is the reason why.

There can be many major differences in home insurance protection and coverage between companies. So you can have the same property coverage limits and deductibles on your homeowner’s insurance policy, but the claim results can turn out completely different between company to company, because of the language in the insuring agreement of the insurance policy itself.

In a new book that I am publishing, I will give actual examples of how a particular homeowner’s claim could be covered with one insurance policy, but would be denied by another insurance policy.

First Thing You Need to Know about Insurance

When you are looking for Home Insurance Cincinnati, the very first thing that you have to understand is that insurance policies are not identical. There can be significant differences between insurance company policies that could cost you a large sum of money if you are not aware of those differences.

In a future article we will discuss why the claims reputation of your insurance company is important.

If you are unsatisfied with your current insurance carrier why not give us a call? We offer the most competitive rates on Home Insurance Cincinnati. Our office number is 513-662-7000 or you can receive an online home quote by clicking on:  Home insurance quotes Cincinnati.

What should you do if your Cincinnati home insurance policy is canceled? Contact the insurance experts at 513-662-7000. We can help you find replacement homeowners insurance coverage in all 50 states. Click here for an online homeowners insurance quote.

Did You Receive a Cancellation Notice for Your Ohio Homeowners Insurance?

You are not alone. Due to record weather-related losses in Ohio insurance companies are canceling insurance policies like never before. The travesty is that in some instances, through no fault of your own, you are being singled out as a bad risk by your previous homeowner’s insurance company and that is why your insurance policy is been canceled.

Why Insurance Companies Cancel Policies?

As was mentioned above weather-related losses have reached unprecedented levels in Ohio and insurance companies are scrambling to stop the massive financial losses that are incurring by raising homeowner’s insurance rates substantially and canceling home insurance policies when they go over a certain number of losses, even if they are all weather related.

Ohio Homeowner’s Insurance Companies Will Not Show Loyalty to You, Even If You Have Been Loyal to Them for Many Years!

Insurance companies through their television advertisements want you to believe that they are a caring and compassionate industry, ready and able to be there for you when you need them at claim time. But in reality insurance companies will take dramatic steps to cut their losses when their purse strings are risk.

It doesn’t matter if you have been insured with your company for 30 years or more, if you start to cost them money they will cancel your insurance! The bottom line is that insurance companies want you to be loyal to them but they will not return the favor to you!

If Your Cincinnati Home Insurance Policy Is Canceled Call Us!

Not every insurance company takes the same approach to claims so in other words just because you are an unacceptable risk to one insurance company, does not mean that other insurance companies will not insure you.

We have significant experience in helping policyholders who were previously with State Farm, Allstate, Nationwide, Farmers, and American Family that were canceled by their insurance company for claims frequency.

Call 513-662-7000 for Homeowners Insurance Quotes Ohio.

If your insurance company has canceled your homeowners insurance because your home is vacant, contact the experts at Pathway Insurance. 

Call 513-662-7000 or 1-800-998-0662. 

We can insure most vacant properties in Ohio, no matter if that is a commercial building or single family residential units. 

Call and speak with one of our professional licensed representatives who can assist in acquiring insurance for vacant properties. 

We offer vacant home insurance in Ohio, Kentucky, Michigan and Indiana. 

If you do not live in one of the four states indicated click Vacant Home Insurance to obtain quotes in the remaining 46 states.

This Is Why Most Insurance Companies Will Not Insure a Vacant Home.

A standard homeowner’s insurance policy is designed to insure homes that are occupied, not vacant.  A vacant home represents a greatly increased exposure to the insurance company for vandalism and liability claims. 

The typical homeowner’s insurance company will issue a cancellation as soon as they learn that your property is vacant.

What Danger Do You Face If You Own a Vacant Home?

Because the majority of insurance companies do not wish to insure vacant homes, insurers have placed within the fine print of their policy language homeowner’s insurance exclusions for properties that become vacant. 

If a certain type of homeowners claim occurs, your insurance company will refuse to pay simply because your home is vacant! 

How do you obtain coverage for vacant homes?

How to Insure Vacant Homes?

Vacant Homeowners Insurance is only available through a limited number of insurance companies, so therefore you need to work with a professional insurance agent who understands how to insure buildings that become vacant.

How We Can Help You Insure Your Vacant Home?

Pathway Insurance Services Inc. is an independent insurance agency directly offering insurance for vacant homes in Cincinnati. (We can help you obtain insurance for vacant properties in all 50 states.)

Call 513-662-7000 to speak with one of our professional representatives who can assist you in obtaining vacant building insurance. Business insurance coverage for vacant properties is also available for commercial buildings, apartment buildings, and undeveloped land.

Pathway Insurance has represented Encompass Insurance in Cincinnati for many years and they offer one of the best Ohio homeowner’s insurance policies that you can purchase. Additionally Encompass offers very competitive rates on automobile and homeowners insurance in Cincinnati.

Information About Encompass Insurance

Encompass Insurance was formerly owned by CNA Financial and it is represented by more than 3,200 independent insurance agents across the country. You can only purchase a policy from Encompass Insurance in Ohio by means of independent insurance agents. Encompass Insurance is a wholly owned subsidiary of Allstate insurance.

Claim services are not administered by Allstate insurance or their claims adjustors. Claims are exclusively handled by Encompass claims adjustors with an overall 95.6% claim satisfaction rating.

Encompass Insurance Offers Unique Insurance Products

Encompass Insurance in Ohio offers a package policy that includes your car, home, landlord insurance, boat, motorcycle, and umbrella insurance on one package policy. Additionally you can purchase three different levels of coverage to meet your individual insurance needs.

The Elite homeowner’s insurance option is one of the best in the entire insurance industry. It is one of the last homeowner’s insurance companies in Ohio offering guaranteed replacement cost on your home, in the event of a total loss. Other unique coverage include water back up, jewelry, coverage for business property And fine arts coverage are automatically included in the Elite homeowner’s insurance policy option.

Encompass offers umbrella limits up to $5 million on their package policies.

Contact Pathway Insurance For a Free Insurance Evaluation

Call 513-662-7000 for your Encompass Auto or Home Insurance Quote today!

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

The Best Auto and Homeowners Insurance Rates in Cincinnati Come from Independent Insurance Agents.

Call 513-662-7000 to receive a rate comparison or you can receive an online Cincinnati insurance quote by clicking here.

Why Did I Get a Rate Increase on My Insurance in Cincinnati? 

There isn’t a single insurance company in Cincinnati that could ever guarantee that they would never raise your rates on car or homeowners insurance. The reason why they would never make this promise to you as their policyholder is because they know they are going to raise your premium rates at some point in the future! That is a rock solid guarantee. (If an insurance agent in Cincinnati promises you that they won’t raise your rates, they are misleading you.)

Ok, I Played This Song before I Know I’m Going to Get a Rate Increase on My Insurance in Cincinnati. What Can I Do? 

The first thing that some people do when they get a rate increase on their insurance in Cincinnati is to call their agent and complain about the rate increase. If your agent is a captive insurance agent the only thing they can do in most cases is to recommend that you raise your deductible or eliminate coverage. (Such as going from full coverage to liability only on your car insurance.)

Captive Insurance Agents Cannot Shop around for New Insurance for You. 

A captive insurance agent is legally handcuffed by his insurance company. Even if he wanted to try to find a lower price for you, he is forbidden by his company to shop around for new rates with other companies.* (If an insurance agent is a captive agent and it is discovered that he is selling insurance through other companies that are not authorized they can be terminated by that company.)

You Only Have One Choice If You Get a Rate Increase on Your Insurance in Cincinnati and Your Agent Can’t Shop the Market for You. 

Even if you really like your insurance agent, but he sells insurance through a captive company he cannot shop the market for you. So you either need to pay the higher insurance premium, or you take your business elsewhere. That’s a big disadvantage to you as the insurance buyer.

It takes time and effort to shop around for insurance in Cincinnati. There are more than 500 different insurance companies that sell insurance in Ohio. How long would that take you to get 500 different insurance quotes? Trust me it would not be worth your time.

An Independent Insurance Agency in Cincinnati Can Shop the Market for Their Clients 

If you have your insurance with an independent insurance agency in Cincinnati, they can shop the market for you. While it is true that not all independent insurance agents shop around for their clients when they get a rate increase, our agency guarantees that we will shop around for you when you request a new quote.

*Full Disclosure: Some captive insurance companies allow their agents to sell products through other companies that they do not offer themselves, for instance if the company doesn’t sell health insurance they may allow their agents to sell health insurance through one of their recommended companies.

You should be aware that not all homeowner’s insurance policies are exactly identical. 

You might think you are getting a great price on your homeowners insurance, when in fact some critical coverage might be missing that could leave you in a deep hole financially.

Call 513-662-7000 to learn how you can receive a homeowner’s insurance audit.  You can also receive an online homeowners insurance quote in all 50 states by clicking here.

Many Ignore Exclusions on Homeowners Insurance Policies to Their Detriment!

A homeowner’s insurance exclusion written in the personal homeowner’s insurance policy describes activities or occurrences that may be excluded from coverage. Essentially, if an excluded activity occurs and your home is damaged, the insurance company is not going to pay the claim!

There are hundreds of scenarios in which claims can be denied or limited by your homeowner’s insurance company!

Listed below you will find exclusions with one particular insurance carrier.  Please note that exclusions are not universal among insurance companies.  In other words what is excluded with one company may be covered by another insurance company so read your policies very carefully!

Common Homeowners Insurance Exclusions (Not all are listed.) 

1) Ordinance or Law, meaning any ordinance or law:

a. Requiring or regulating the construction, demolition, remodeling, renovation or repair of property, including removal of any resulting debris. This exclusion A.1.a. does not apply to the amount of coverage that may be provided for under Additional Coverage 12. Ordinance or Law;

2) Earth Movement, meaning:

a. Earthquake including land shock waves or tremors before, during or after a volcanic eruption;

b. Landslide; mudslide, or mudflow;

c. Subsidence or sinkhole; or

d. Any other earth movement including earth sinking, rising or shifting; caused by or resulting from human or animal forces or any act of nature, unless direct loss by fire or explosion ensues and then we will pay only for the ensuing loss.

3) Water Damage, meaning:

a. Flood, surface water, waves, tidal water, overflow of a body of water, or 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, including water which exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool or other structure; caused by or resulting from human or animal forces or any act of nature.

4) Power Failure, meaning the failure of power or other utility service if the failure takes place off the “residence premises”. But, if the failure results in a loss from a Peril Insured Against, on the “residence premises”, we will pay for the loss caused by that peril.

5)  Neglect, meaning neglect of an “insured” to use all reasonable means to save and preserve property at and after the time of a loss.

6)  War. War includes the following and any consequence of any of the following:

a. Undeclared war, civil war, insurrection, rebellion or revolution;

b. Warlike act by a military force or military personnel; or

c. Destruction, seizure or use for a military purpose. Discharge of a nuclear weapon will be deemed a warlike act even if accidental.

7)  Nuclear Hazard, to the extent set forth in the Nuclear Hazard Clause of Section I – Conditions.

8) Intentional Loss, meaning any loss arising out of any act an “insured” commits or conspires to commit with the intent to cause a loss. In the event of such loss, no “insured” is entitled to coverage, even “insured’s” who did not commit or conspire to commit the act causing the loss.

9) Governmental Action, meaning the destruction, confiscation or seizure of property described in Coverage A, B or C by order of any governmental or public authority. This exclusion does not apply to such acts ordered by any governmental or public authority that are taken at the time of a fire to prevent its spread, if the loss caused by fire would be covered under this policy.

10) “Fungi”, Other Microbes or Rot, meaning any loss or cost resulting from, arising out of, caused by, consisting of, or related to, “fungi”, other microbes or rot. This exclusion does not apply to:

a. “Fungi”, other microbes or rot remediation coverage that may be afforded under Additional Coverage 16. Limited “Fungi”, Other Microbes Or Rot Remediation; or b. “Fungi”, other microbes or rot that results from fire or lightning.

11) Freezing of a plumbing, heating, air conditioning or automatic fire protection sprinkler system, waterbed, water heater, aquarium, or household appliance, or by discharge, leakage or overflow from the system, waterbed, water heater, aquarium, or household appliance caused by freezing while the dwelling is vacant, unoccupied or being constructed, unless you have used reasonable care to:

a. maintain heat in the building; or

b. shut off the water supply and drain the systems, waterbed, water heater, aquarium and household appliances of water.

12)  Any actual or alleged failure, malfunction or inadequacy of:

(1) any of the following, whether belonging to any insured person or to others;

(a) computer hardware, including microprocessors;

(b) computer application software;

(c) computer operating systems and related software;

(d) computer networks;

(e) microprocessors (computer chips) not part of any computer system;

(f) any other computerized or electronic equipment or components;

13) Volcanic eruption.  Damage to or loss of use of property resulting from the entire process of a volcanic eruption. This includes, but is not limited to, eruption of a volcano, earth movement resulting from the eruption process, or discharge, dispersal or accumulation of lava, rock, soot, ash or any other material from a volcano. We do cover direct loss that follows caused by fire, explosion or breakage of glass.

 14) Wear and tear, marring, or scratching, deterioration;

15) Inherent vice, latent defect, mechanical breakdown;

16) Smog, rust or other corrosion;

17) Smoke from agricultural smudging or industrial operations;

18) Discharge, dispersal, seepage, migration, release or escape of pollutants unless the discharge, dispersal, seepage, migration, release or escape is itself caused by a Peril We Insure Against under Coverage C -Personal Property of this policy. Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed;

19)  Settling, shrinkage, bulging or expansion, including resultant cracking, of pavements, patios, foundations, walls, floors, roofs or ceilings;

20)  Birds, vermin, rodents or insects;

21) Animals owned or kept by an insured person; or

22) Continuous or repeated seepage or leakage of water, steam or moisture, which occurs over a period of weeks, months or years from within a plumbing, heating, air conditioning or automatic fire protection sprinkler system, waterbed, water heater, aquarium, or household appliance, and results in deterioration, corrosion, rust, or fungi.

Read Your Homeowners Insurance Policy Carefully! (Exclusions, and terms and conditions will differ from company to company. This is an not an all inclusive example of all homeowners insurance exclusions. Many exclusions have not been listed.)

Call 513-662-7000 and speak with one of our insurance professionals. 

Our Cincinnati independent insurance agency can help you find competitive rates through a number of top rated insurance carriers.

Rates On Homeowners Insurance in Cincinnati Are Increasing.

If you own a home you likely noticed that your homeowners insurance in Cincinnati has gone up.  In fact some Cincinnati insurance policyholders have received as much as a 40% increase in premiums. 

Why are rates going up?  There are a few different reasons why homeowner’s insurance rates in Cincinnati are increasing.

Hurricane Ike-Despite the fact the infamous hurricane occurred in 1998 the after effects of over a billion dollars paid for that one claim in the state of Ohio is still affecting insurance premiums years later.

Storm related activity is at an all-time high – Insurance companies have been pummeled with property losses over the last 10years and because of unexpected property losses, insurance companies pass those costs on to their policyholders.

Don’t Skimp on Your Cincinnati Homeowners Insurance Coverage, Because You May Regret It Later.

If you get a big rate increase on your homeowners insurance in Cincinnati don’t make the mistake of skimping or reducing your insurance coverage. 

That could be a huge mistake at claim time. 

A person called our office to obtain quotes on homeowners insurance as they received a fairly substantial rate increase on their Cincinnati homeowners insurance policy.  

After completing an analysis of their coverage, we discovered that they were underinsured by more than $90,000.  We could save them money if we insured their home for the exact amount of coverage that they had with their Insurance Company. 

However because they were vastly under insured we could not save them as much money as they hoped based on our initial estimates.

If you shortchange your homeowners insurance coverage you could regret it later.

Not All Homeowner Insurance Companies in Cincinnati are Raising Rates.

If you receive a substantial rate increase on your homeowners insurance, give us a call at 513-662-7000.  Not all insurance companies have taken such drastic measures.  Recently we were able to save one new policyholder with our independent agency more than $800 on his homeowner’s insurance policy! (Better coverage too)