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Personal Insurance

Home’s value, replacement cost not interchangeable

By agent, building, claim, code, conditions, contractors, cost, historic, home, homeowner, house, independent, Insurance, labor, loss, market value, materials, older, Personal Insurance, price, reconstruction, registry, replacement cost, sales, savings
market-value-vs-replacement-cost

When shopping for homeowner insurance, you may hear the terms “market value” and “replacement cost” multiple times. It’s important to have a grasp of the difference. They are not interchangeable.

The post Home’s value, replacement cost not interchangeable appeared first on The Cincinnati Insurance Companies blog.

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Do you have adequate homeowner insurance coverage?

By agent, cost, emotional, homeowner, homeowner's, independent, Insurance, money, Personal Insurance, policy, premium, prepare, price, protect, save, saved, savings, total, worst-case
heirloom-ring

When you think of purchasing insurance, you may feel the most important factor is how much money you can save. But when you saved a few dollars on the front end, is that really what you will care about in the event of a total loss?

The post Do you have adequate homeowner insurance coverage? appeared first on The Cincinnati Insurance Companies blog.

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Tech may advance, but personal touch adds value

By advice, agent, buildings, business, Business Insurance, buyers, carriers, cars, Consumer Tips, cyber, evaluate, evolve, expert, expertise, home, homeowner, income, independent, Insurance, needs, owner, personal, Personal Insurance, policy, prevent, products, profile, protect, relationships, renovations, risk, touch, value, workforce
personal-touch-independent-agent

People’s lives change. Businesses grow and transform over time. That’s why we feel the consumer is best served by an independent insurance agent with the expertise to evaluate an evolving risk profile and offer educated advice and products that best match these needs. Their clients can sleep easy.

The post Tech may advance, but personal touch adds value appeared first on The Cincinnati Insurance Companies blog.

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Cyber security essential for smart homes

By agent, attack, camera, children, coverage, currency, cyber, data, door, extortion, firewall, hack, hacking, heat, home, independent, information, Insurance, lights, locks, management, network, personal, Personal Insurance, prevent, protect, risk, spy, technology, thermostat, threat
cyber-security-smart-home

Corporations are no longer the only ones looking at cyber security. Increasingly, homeowners whose networks can make them vulnerable to cyber extortion, cyberattack and online fraud are seeing cyber security as a necessity.

The post Cyber security essential for smart homes appeared first on The Cincinnati Insurance Companies blog.

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What to do when buying a new or used car

By agency, buy, buying, car, collision, comprehensive, coverage, deductible, endorsement, gap, independent, injury, Insurance, lease, liability, loan, model, new, Personal Insurance, policy, purchase, replacement, truck, used, value, van, vehicle, vehicle identification number, VIN, year
buying-a-new-or-used-car

Congratulations on your new car! Purchasing a new vehicle is exciting, and insurance isn’t normally the first thing on your mind. When you finally think of it, you may be overwhelmed and not sure what to do. Here are some tips.

The post What to do when buying a new or used car appeared first on The Cincinnati Insurance Companies blog.

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What to do when buying a new or used car

By agency, buy, buying, car, collision, comprehensive, coverage, deductible, endorsement, gap, independent, injury, Insurance, lease, liability, loan, model, new, Personal Insurance, policy, purchase, replacement, truck, used, value, van, vehicle, vehicle identification number, VIN
buying-a-new-or-used-car

Congratulations on your new car! Purchasing a new vehicle is exciting, and insurance isn’t normally the first thing on your mind. When you finally think of it, you may be overwhelmed and not sure what to do. Here are some tips.

The post What to do when buying a new or used car appeared first on The Cincinnati Insurance Companies blog.

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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.

The post Halloween: Tips to make your celebration a treat appeared first on The Cincinnati Insurance Companies blog.

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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.

The post Personal insurance: Trends in construction costs appeared first on The Cincinnati Insurance Companies blog.

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