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What’s included in a homeowner policy?

By 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-coverage

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.

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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
renters-insurance-landlords

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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6 reasons renters need their own insurance

By 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
renters-tenant

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.

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Inspection gives home buyer a deeper look

By 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
home-inspection

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.

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How to protect yourself from fraud

By 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
prevent-fraud

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.

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Could your gate lock out first responders?

By 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
gated-entry

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.

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Consider the hidden risks of mulching

By 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
mulch-fire

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.

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Coping with loss in a catastrophe: What to do

By agent, assess, auto, business, calm, catastrophe, claims, company, contact, damage, disaster, drowning, earthquake, electrocution, emergency, family, flood, hail, home, hurricane, hurt, independent, injure, injured, Insurance, loss, medical, number, people, personal, power, prevent, property, protect, Spring Storms, storm, survey, tornado, water, wildfire, wind
coping-with-catastrophe

Protecting yourself and your family is your first priority in the aftermath of a catastrophic event. When your auto, home, business or personal property is damaged or destroyed by a tornado, hail, flood or other destructive event, focus on people first.

The post Coping with loss in a catastrophe: What to do appeared first on The Cincinnati Insurance Companies blog.

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