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Help your insurance agent help you

By age, agent, auto, collectibles, collector, Consumer Tips, courses, covered, declaration page, deductible, drivers, dwelling, fine arts, garage, grades, home, household, independent, instruments, Insurance, jewelry, loss, original equipment, Personal Insurance, personal items, policy, pool, premium, protect, record, relationship, renew, rental, review, safe, structures, upscale, vacation, valuable, VIN
Your local independent insurance agent is prepared to create a personalized coverage plan tailored to meet your and your family’s insurance needs. However, it’s important to be prepared with the information they need so they can offer you the right coverages to suit you. The post Help your insurance agent help you appeared first on The Cincinnati Insurance Companies blog.
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Know the truth about insurance

By A.M. Best Co., agent, alike, carefully, companies, conditions, Consumer Tips, control, costs, coverages, deductible, endorsement, exclusion, independent, informed, Insurance, limitations, Personal Insurance, policies, premium, purchase, read, savings, service, unique
Most people research major purchases such as houses, cars or electronics to assure they receive the best value for their money. It’s equally important to know what you’re getting when you buy insurance to protect your family and financial well-being. The post Know the truth about insurance appeared first on The Cincinnati Insurance Companies blog.
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Landlords: 3 reasons to consider requiring renters insurance

By agent, building, claims, damage, financial, fire, independent, Insurance, landlord, large, legal, liability, loss, mitigate, multiple, Personal Insurance, pets, policy, premium, prevent, property, protect, tenant, theft, water damage
Many tenants do not obtain their own renters insurance. Either they underestimate the value of their personal possessions or they incorrectly assume the landlord’s policy will cover them. In most states, landlords can require renters to have their own insurance, and here are three reasons a landlord should consider doing just that. The post Landlords: 3 reasons to consider requiring renters insurance appeared first on The Cincinnati Insurance Companies blog.
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7 reasons why single people need life insurance

By accumulate, agent, business, cash value, coverage, custom, depend, dependents, designed, expenses, family, final, independent, individual, Insurance, legacy, life, Life Insurance, married, money, options, premium, program, responsibilities, school, single
Many believe life insurance isn’t a necessity while they’re single, but nothing could be further from the truth. Life insurance is for anyone, and it is useful in many more situations than just providing a cushion for a spouse in the face of suddenly lost income. The post 7 reasons why single people need life insurance appeared first on The Cincinnati Insurance Companies blog.
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Technology helps identify, reward safe drivers

By accelration, agent, app, auto, automobile, behavior, discounts, Distracted Driving, distraction, drive, driver, habits, harsh braking, independent, Insurance, parent, phone, policyholder, premium, prevent, RideWell, Risk Management, safe, savings, smartphone, speeding, technology, teenager, telematics, vehicle
You’re a safe driver: You follow all traffic laws, don’t speed and never allow yourself to be distracted by your phone while driving. Suppose you could take credit for your efforts and earn a discount on your car insurance? With growing adoption of telematics by insurance companies, you can. The post Technology helps identify, reward safe drivers appeared first on The Cincinnati Insurance Companies blog.
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Professional liability coverage options for dentists

By agent, Business Insurance, Chicago Dental Society, claims-made, conditions, consistent, coverage, dentist, exclusions, form, independent, Insurance, liability, limits, medical, occurrence, premium, prevent, procedures, professional, protect, risk, scenario, terms
The July-August 2020 edition of CDS Review, a publication of the Chicago Dental Society, features an article by Mike Terrell, national program director for Cincinnati’s dentist, veterinarian and optometrist programs. His article describes the differences between occurrence and claims-made insurance coverages and the benefits of each type. The post Professional liability coverage options for dentists 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
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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Holiday list: Give the gift of life insurance!

By agent, annual, benefit, cash value, cover, coverage, family, financial, future, growth, health, holiday, independent, insurability, Insurance, insure, life, Life Insurance, lifetime, low, policy, premium, protect, security, underwriting
The annual holiday search is on for the perfect gift for your children or grandchildren. You can spend a lot of time and effort buying gifts … it can be overwhelming. You recognize that as children grow, their interests change. Last year’s trending gifts become this year’s trash. What if I told you there is a gift you can purchase that you won’t have to throw out and that can benefit a child for years to come? The post Holiday list: Give the gift of life insurance! appeared first on The Cincinnati Insurance Companies blog.
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How annuity maximization could benefit your heirs

By 401(k), agent, annuity, assets, beneficiary, family, heirs, immediate, independent, inheritance, Insurance, life, Life Insurance, maximization, ordinary, policy, premium, protect, retirement, single, Social Security, supplement, tax
Many people struggle to understand annuities and wonder if they really need one or not. To help shed light on this situation, let’s look at one example. The post How annuity maximization could benefit your heirs appeared first on The Cincinnati Insurance Companies blog.
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Know the types of water shut-off devices

By agent, Automated, automatic, benefit, cost, credit, damage, flow, freeze, independent, install, Insurance, irrigation, leak, management, manufacturer, off, plumbing, point-of-use, policy, premium, pressure, prevent, protect, risk, Risk Management, sensor, shut, shut-off, sprinkler, supply, temperature, valve, water, whole-house
There are two basic categories of water shut-off systems: whole-house systems and point-of-use systems. While both can prevent water damage, generally only a whole-house system qualifies for a premium credit on your homeowner insurance. The post Know the types of water shut-off devices appeared first on The Cincinnati Insurance Companies blog.
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