Are you covered? Don’t be caught underinsured

By | age, agent, claim, coinsurance, construction, cost, deductible, demand, disaster, earthquake, equipment, expense, fire, Flood, home, homeowner, independent, Insurance, labor, loss, materials, older, personal, Personal Insurance, protect, rebuild, reconstruction, resources, risk, scarce, scarcity, site, umbrella, wind
house-underinsured

Does your homeowner policy have sufficient coverage limits to help you recover fully after a loss and avoid incurring serious financial burdens? It’s a question many people don’t ask, and if they have a claim, it can leave them with unexpected expenses.

The post Are you covered? Don’t be caught underinsured appeared first on The Cincinnati Insurance Companies blog.

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Halloween: Tips to make your celebration a treat

By | adult, adults, agent, alcohol, burn, cab, candle, child, children, damage, fall, homeowner, independent, injure, injury, Insurance, liability, lights, liquor, personal, Personal Insurance, pets, policy, prevent, property, protect, secure, security, slip, supervise, treats, umbrella
halloween-liability

As you and your family bring out the Halloween decorations and prepare for parties and trick-or-treaters, take time to evaluate the liability exposures associated with having guests on your property.

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Personal insurance: Trends in construction costs

By | age, agent, cost, design, energy-efficient, expense, home, independent, Insurance, labor, market, materials, modular, Personal Insurance, price, quality, rebuild, rebuilding, reconstruct, reconstruction, safety, spending, supplier, supply, techniques, unemployment, value, valued
construction-trend

Reconstruction cost – or replacement cost – is the cost of hiring a contractor to replace your home as it is, using materials and design of the same or similar quality. This amount is not the same as market value, which is the value of comparable homes that have sold in your area. Your home’s current reconstruction cost could be very different from its market value.

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Cars on campus: Tips for college students

By | agent, alcohol, auto, automobile, automobiles, autos, borrow, borrowing, campus, car, care, cars, college, designated, drive, driver, independent, Insurance, insure, locaiton, park, pedestrian, Personal Insurance, prevent, protect, rules, safe, safety, student, text, traffic, valuables

College students may be in unfamiliar territory when they take their cars to campus. Our video has tips to consider before venturing out.
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Outdoor gatherings: Making memories, not regrets

By | adults, agent, alcohol, celebration, children, damage, food, gathering, guest, homeowner, homeowner's, host, hurt, independent, injured, injury, Insurance, liability, liable, liquor, location, outdoor, party, Personal Insurance, play, play equipment, playground, policy, pool, prevent, property, protect, reception, rent, rental, rented, tent, venue
outdoor-gathering

Block parties, wedding receptions, graduation celebrations, family reunions: These are just some of the events that are fun to take outdoors. But when you’re the host, your concerns need to extend beyond hoping for cooperative weather and stocking snacks.

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Spring checklist: How did your home hold up?

By | agent, air conditioning, alarm, batteries, carbon, caulking, cooling, driveways, dryer, equipment, exterior, faucet, fixup, gutters, heating, home, independent, Insurance, lighting, maintenance, monoxide, outdoor, paint, Personal Insurance, pipes, play, prevent, protect, pump, railings, repair, replace, roof, safe, safety, service, sidewalks, siding, smoke, spring, sump, vent, windows
spring-home-fixups

As the calendar turns to spring, it’s time to assess how your property weathered the winter. This is a good time to make a “to-do” list to prevent property maintenance and liability issues.

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Remodeling, renovation can affect home’s value

By | addition, agent, build, built-in, claim, construct, construction, cost, cover, coverage, deck, decking, design, endorsement, feature, finish, finishing, independent, Insurance, limit, loss, materials, original, Personal Insurance, policy, project, quality, rebuild, reconstruct, reconstruction, remodel, remodeling, renovate, renovation, replace, roof, upgrade, value, wall, window
remodeling-home-value

Remodeling and renovation projects can add significantly to the value of your home. Whether you do it yourself or hire a contractor, remember to update your homeowner insurance as you increase your home’s value.

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