Personal Lines Insurance
Auto Insurance |
Homeowners Insurance |
Life Insurance |
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Auto Insurance
Next to your home, your automobile is often the most expensive piece of property you own. As a result, it is important to seek the best value when buying your insurance. To ensure that you have the proper protection, there are a number of ways that you can reduce the cost of your auto insurance premiums while obtaining the coverage that you need including:
Deductibles
Choosing higher deductibles for Collision and Comprehensive coverage is an easy and cost effective way to lower your auto insurance bill. In many cases, the premium savings realized by switching to a higher deductible may be enough to offset the cost difference of an increased deductible in just a few years.
Discounts
• Multi-policy - By insuring your auto and home, you will receive a
discount on your auto premium as well as your homeowners insurance
premium.
• Multi-car - If you insure two or more cars and they are owned and
used by the individual and/or relatives living in the same house, you receive
a discount.
Driver Related Discounts
Good drivers who have no accidents or violations receive the most competitive rates but there are other factors that can reduce your premiums even further including:
• Driver training - If you have a young driver under age 21 insured who has completed an accredited driver-training course, you will
receive a premium discount.
• College student - Young, unmarried, full-time college students who spend most of the college term away from home without the use of
an auto are eligible for this discount.
• Age 55 & over - Cars driven primarily by an insured who is 55 and over receive a discount on the Bodily Injury, Property Damage,
Medical Payments, Personal Injury Protection, Comprehensive and Collision premiums.
Vehicle Related Discounts
You can save even more money on your auto insurance by choosing a vehicle with the following safety equipment:
• Passive restraints - If your vehicle is equipped with factory-installed automatic seat belts or air bags, you will receive a discount on the
Medical Payments or Personal Injury Protection portion of your premiums.
• Anti-Theft devices - You may receive a discount on the Comprehensive portion of your premium if your vehicle has active or passive
anti-theft devices.
• Anti-Lock brakes - Vehicles with factory installed anti-lock brake systems on all four wheels are eligible for this discount that applies to
the Bodily Injury and Property Damage coverage.
If you are interested in obtaining more information or an auto quote, Contact Us.
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Homeowners Insurance
When most people hear the word "insurance" they think of their cars, but in many cases their home is the most important and expensive piece of property they own. Our agency offers a variety of comprehensive homeowners' insurance policies to choose from and these plans can be tailored to suit your individual needs and budget.
Homeowners insurance policies protect your dwelling, personal property and other structures. The policy also includes liability protection, loss of use and medical payments to others coverage. You may take advantage of higher deductibles, discounts and credits to reduce your insurance premiums and you can add endorsements to your policy to broaden the protection limits even further.
Deductible
Paying for smaller claims yourself allows you to lower your homeowners' insurance premiums by choosing a higher deductible. Other discounts may also be available, including:
Discounts & Credits
• Multi-policy - By insuring your auto and home, you will receive a discount on
your auto premium as well as your homeowners' insurance premium.
• New Home - Receive a discount if you live in a new home.
• Premises Alarm - This discount is applied to your premium if you have smoke detectors
installed in your home.
• Sprinkler System Credit - If you install and maintain a sprinkler system, you will receive
a credit on your homeowners' premium.
Endorsements
A variety of optional coverage is available to meet your individual needs and these can be added to your homeowners' policy by endorsement for a minimal additional premium:
• Expanded Endorsement - You can increase the special amounts listed under the Personal Property Coverage section of your policy.
• Enhancement Endorsement - This endorsement increases the special amounts to even higher limits and includes these
additional benefits:
• Payment for direct loss caused by water or sewage that backs up through sewers or drains.
• Payment up to an additional 10 percent of the amount on Dwelling Coverage for loss to trees, shrubs, plants and lawns
on the residence premises.
• Waiver of deductible shown on the policy declarations page for any loss from covered peril, exceeding $50,000.
• Additional Endorsements - In addition, some of the other available endorsements include:
• Earthquake Coverage
• Nurse's Professional Liability
• Personal Computer Coverage
• Replacement Cost on Personal Property
If you would like a comprehensive review of our homeowners' insurance program, please Contact Us.
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Life Insurance
If you have a family to protect, a sound life insurance program is the perfect solution. There are two basic types of life insurance needs: temporary and permanent.
Temporary
Temporary needs include home mortgages or short-term debt reduction, family income and educational expenses and can last as little as one year or last 20 to 30 years or longer. Term insurance is the most cost effective method of insuring many short-term needs. There are a variety of plans to choose from, ranging from an annual renewable term (1 year plan) to a level term plan that could last 5, 10, 20 or 30 years.
Permanent
Permanent needs include those that last for your entire life or potentially for periods of 15 years or more. Permanent insurance needs include final expenses, funds to cover estate taxes and retirement savings protection. Permanent and universal life plans are ideally suited for meeting these goals.
The primary purpose of life insurance is to provide cash for your family in the event of your death to ensure that they can remain in their home and continue to maintain an adequate standard of living. There are a number of factors that determine the cost you pay for life insurance including:
• Age
• Health
• Tobacco use
• Occupation
• Hobbies
If you would like a comprehensive review of our homeowners' insurance program, please Contact Us.
Serving Greater Cincinnati including Loveland, West Chester, Mason, Liberty Township, Hamilton, Blue Ash, Montgomery, and Symmes Township.
