property Archives - Scharver Insurance Group

Jun 28

Prepare your property for wildfire, then review plans annually

By Scharver Insurance Group "go bag", agent, building, business, checklist, chemicals, clean, debris, defensible, embers, employees, evacuation, family, first responder, flame, food, hazard, home, independent, Insurance, kit, medications, prevent, property, protect, rake, roof, shelter, smoke, supplies, water, wildfire

Even if you’ve taken precautions to make your home or business resistant to wildfire, take time each year to review your preparations. The post Prepare your property for wildfire, then review plans annually appeared first on The Cincinnati Insurance Companies blog.

Jun 21

Get ‘hurricane ready’ before storms threaten home or business

By Scharver Insurance Group agent, batteries, business, car, claim, coverage, damage, employees, evacuate, family, flood, food, generator, home, hurricane, independent, Insurance, inventory, medications, outdoor, papers, people, prepare, property, protect, rain, supplies, truck, vehicle, water, wind, windows, workers, yard

Weather forecasters predict above-average activity this Atlantic hurricane season, which runs from June 1 to November 30. Take steps to minimize damage and speed recovery. The post Get ‘hurricane ready’ before storms threaten home or business appeared first on The Cincinnati Insurance Companies blog.

Mar 01

What’s included in a homeowner policy?

By Scharver Insurance Group agent, claim, Consumer Tips, coverage, earthquake, expenses, firearms, flood, high-value, homeowner, house, independent, Insurance, inventory, jewelry, liability, living, loss, Personal Insurance, policy, property, protect, schedule, service, structures, umbrella, value, water backup, wine

Homeowner insurance is much more than just coverage for your home and other structures. As a consumer, you need to know what your policy covers and protect yourself with enough coverage. The post What’s included in a homeowner policy? appeared first on The Cincinnati Insurance Companies blog.

Feb 08

Landlords: 3 reasons to consider requiring renters insurance

By Scharver Insurance Group 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.

Feb 01

6 reasons renters need their own insurance

By Scharver Insurance Group affordable, agent, belongings, cover, coverages, displaced, expenses, independent, Insurance, landlord, liability, limits, living, loss, peril, personal, Personal Insurance, property, protect, renter's, sublimits, tenant, travel

Most people know renters insurance covers belongings. But did you know it covers more than just personal property? Many people erroneously assume they are covered by their landlord’s policy and skip this important protection. The post 6 reasons renters need their own insurance appeared first on The Cincinnati Insurance Companies blog.

Nov 16

Inspection gives home buyer a deeper look

By Scharver Insurance Group agent, attic, basement, condition, costly, damage, electrical, equity, exterior, foundation, gutters, home, Home Construction, independent, inspect, inspection, Insurance, interior, investment, mechanical, plumbing, property, purchase, repair, Risk Management, roof, systems, valuable, Valuation

Buying a home is the biggest and most valuable purchase most people make. Many factors could draw you to a home: location, price, updated countertops or a large yard. The home inspection offers the buyer a deeper look into how the home has been maintained or whether it needs costly repairs. The post Inspection gives home buyer a deeper look appeared first on The Cincinnati Insurance Companies blog.

Sep 14

How to protect yourself from fraud

By Scharver Insurance Group agent, Better Business Bureau, builder, business, claim, Consumer Tips, contract, Contractor, damage, estimate, FEMA, flood, fraud, handyman, home, Home Construction, hurricane, independent, Insurance, insured, loss, money, NICB, prevent, property, protect, quote, references, repair, service, time, wildfire

Whether you’re planning a much-anticipated remodeling project or facing repairs to fix damage from a storm, hiring a contractor can be a daunting and nerve-wracking task. While most contractors are trustworthy, some are guilty of taking advantage of vulnerable homeowners – especially when the repairs involve an insurance claim. The post How to protect yourself from fraud appeared first on The Cincinnati Insurance Companies blog.

Apr 13

Could your gate lock out first responders?

By Scharver Insurance Group access, accessibility, accessible, agency, agent, critical, earthquake, fire, fire department, Home Protection-Fire, hurricane, independent, Insurance, lock, mechanism, paramedics, police, prevent, property, protect, release, time, tornado, urgency, urgent, wildfire

In an emergency, first responders need immediate access to the affected property. While perimeter walls, gates and fences do a great job of maintaining privacy, these physical barriers could delay help from police, paramedics or fire departments. The post Could your gate lock out first responders? appeared first on The Cincinnati Insurance Companies blog.

Mar 30

Consider the hidden risks of mulching

By Scharver Insurance Group agent, buildings, crushed, dry, extinguish, fire, hardscape, home, Home Protection-Fire, ignite, independent, Insurance, landscape, mulch, mulching, pavers, pebbles, prevent, property, protect, rock, smoking, soil, sparks, stone, structures, temperatures, warm, wildfire, wind

One of your annual gardening tasks might involve applying a new layer of mulch to help control weed growth, reduce soil erosion and add nutrients to the soil. While your fruits, vegetables or ornamentals might benefit, mulch is a combustible material, and care must be taken to avoid the possibility of it igniting. The post Consider the hidden risks of mulching appeared first on The Cincinnati Insurance Companies blog.

Mar 23

Checklist: How did your home hold up?

By Scharver Insurance Group agent, air conditioning, batteries, carbon monoxide, check, clean, detectors, driveways, equipment, family, gutters, home, Home Maintenance, house, independent, Insurance, lighting, paint, play, prevent, property, protect, railings, repair, roof, safe, safety, service, sidewalks, siding, smoke, vent, windows

Spring is a good time to assess how your property weathered the winter and to make a “to-do” list to prevent property maintenance and liability issues. The post Checklist: How did your home hold up? appeared first on The Cincinnati Insurance Companies blog.

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