Recent flood events in Eastern Kentucky and the West Coast have returned flood headlines to the front pages of every media outlet. These...

Why you need an insurance agent...

The insurance industry is obsessed with roof evaluations and using these evaluations to control their exposure to loss. A previous post [...

If you have property, you have a theft or burglary exposure. Depending on the values involved, the security protection you need may...

Winter can be a tough season on your home or business. Some preparation can make your season warmer and without the frozen pipes, ice...

Greater Cincinnati has a rich architectural history. Our neighborhoods are blessed with examples of historic buildings and structures. We...

Americans consumed $6.07 billion in alcoholic beverages in May of 2021 (statista.com). This compares to $4.35 billion in May of 2019. ...

The potential to be responsible for a large liability settlement is not as remote as you may hope. If you drive on the roads, you can be...

The Trends Data from the National Fire Protection Association (www.nfpa.org) shows that cooking is the leading cause of both fires and...

Many businesses have goods stored off site in warehouses owned and operated by others. Many homeowners have a storage unit they rent to...

In the world of “only pay for what you need”, shopping for insurance has taken on a new feel. The decision making about coverages and...

There are many circumstances where you may live in a building that you do not own. In these spaces you will have your belongings and you...

This is a common question when you discuss property insurance with your agent. I stopped to think about how this question would be...

What coverage is needed? When a building suffers a significant property loss, there is the potential that the code officials will require...

Equipment breakdown is the new name for boiler and machinery insurance. Many people inside and outside of the insurance industry do not...

Roofs do a lot for your building. Beyond keeping you dry they also are an important structural element. Damage or deterioration of the...

Jewelry is more than a value on an insurance policy. Jewelry commemorates significant life events and are an enduring reminder of those...

Valuation is obviously a key part to property insurance. The insurance company will routinely do an “Insurance to Value” calculation and...

A prior posting, What is my Property Worth? focused on the different values that can be established for a piece of property. This was the...

One of the most important decisions to be made concerning your property insurance is the values that you set for the insurance policy....