Insurance Tips

• Higher deductibles always mean lower costs! It’s your way of controlling what you pay.
• Review your policies at least once a year. Your situation changes over time. We can help!
• Children away at college usually qualify for a “Distant Student Credit”.
• If you rent, your personal property is not covered under your landlord’s policy.
• Drive safely! Driving activity, i.e. tickets and accidents increase premiums.
• Surface water damage is not automatically covered by a homeowner’s policy. You need to buy a special endorsement.
• If you are concerned about enough coverage, consider an umbrella policy. Umbrella Liability that is!
• Always call us for advice before turning in a small claim. This call can save you $ in the long run.
• Keep your credit scores high! Most “insurance scores” are directly related to credit. Good credit = lower premiums!
• Don’t be shy. If you feel your rates are out of line call us. We can shop it through our other carriers.
• We all carry property insurance. Yet few of us have a fire! I wonder why so many people don’t buy life insurance? We all die!
• If you own a business we can shop a world-wide market for a commercial policy that’s a perfect fit!
• Most rented cars are automatically covered under your auto policy. If you rent a truck, buy their coverage.
• Market Value is what you can sell your home for. Your insurance is based on “Replacement Value”…what it would cost to rebuild in today’s dollars. If you aren’t sure of the difference, or if you aren’t covered enough, call us!

Want to know more?
Globe Insurance Agency OH 513-871-3330 or KY 859-727-2226