In many ways, buying a condo is similar to buying a house: you get the freedom of owning your living space but you also have to take responsibility for what happens to it. So how similar are insurance coverages for condos and houses? Let’s find out. Condos vs Houses: The Ins and Outs of Your […]
3 Types of Water Damage
Is Your Home Insured For Water Damage? Water is one of the most common causes of damage in homes, and it represents a large number of insurance claims. Water damage to your property can happen from any number of sources: Plumbing or Appliances Severe Weather or Storms Accidents Infiltration Causes of Water Damage in Insurance: […]
Common Questions About Flood Insurance
Check out the answers to some common questions about flood insurance. Answers all come from the Federal Emergency Management Agency (FEMA). I Don’t Have Flood Insurance – Why Do I Need It? Floods are the nation’s most common and costly natural disaster and cause millions of dollars in damage every year. Floods cost America, on […]
Homeowners Insurance: Premium, Policy Limits and Other Home-Related Insurance
Premium Many factors influence your premium and it will also vary by insurance company. An independent agent can help you shop for the best price without compromising your coverage. Some of the things that can affect your premium include: The cost to rebuild your home (this is not the same as the purchase price which […]
Unoccupied and Vacant Home Insurance: What is it and Do I Need it?
If you leave your home unattended for weeks at a time, your homeowners policy likely won’t provide coverage in the event of a claim during the time it is unoccupied or vacant. As a result, any damages or losses that occur would have to be paid out of pocket. For these times, unoccupied and vacant […]
Renters No More: Millennial Home Buyers
According to Primary Residential Mortgage Inc., Millennials are currently the largest class of homebuyers in the market. It may come as a surprise to some, but this young, tech-savvy generation is still set on finding a home, even during a volatile market with rising interest rates and fewer homes on the lower end of the […]
Water Damage in Your Home
Water damage is the leading cause of property-related losses for homeowners, according to Chubb claims data. A recent Travelers report revealed similar findings. After analyzing eight years of claims data, the insurer found that 20% of homeowners claims were attributable to non-weather water issues including plumbing, sewer or appliance leaks and failures – making non-weather […]
One-Third of Homeowners Liability Claims are From Dog Bites
In 2017, dog bites and dog-related injuries accounted for more than one-third of homeowners liability claims according to the Insurance Information Institute. There are approximately 89.7 million dogs in the United States and 36.5% of U.S. households own at least one dog. The average cost per dog bite claim was $37,051, totaling over $700 million […]
Breaking Down Your Homeowners Policy
Homeowners insurance is important to many people and is often required to satisfy your mortgage requirements. But how well do you actually understand your policy? Most homeowners policies can be broken down into six sections. Dwelling: This pays for damage to your house and structures that are attached to your house. This includes plumbing, electrical […]
10 Cheap and Fun Family Activities To Do This Winter
While the term “cabin fever” likely originated with sailors who lost their marbles after spending too much time at sea, it’s a feeling that most of us face at some point in the winter months. Grey skies, cold temperatures, and dreary weather keep up locked up indoors and, after a while, we start to feel […]
Fireplace and Chimney Problems – Tips and Prevention
Most folks consider their fireplaces and chimneys to be indestructible parts of their home that require little or no maintenance. While masonry work is generally as close to maintenance-free as you can get, fireplaces and chimneys are more than just works of masonry: they are part of your home’s heating system, which must effectively exhaust […]
The Parents Guide to Insurance for College Students
Saying the last goodbye in the dorm parking lot, the stark realization dawns that you can’t protect your child from every risk. It’s time to let go. But back at home, you can assemble a strong financial safety net. Knowing what your current insurance will pay for — and whether you need to buy extra […]
What if a tree falls on my house? My car? My fence?
Trees are beautiful. Tall. Majestic. Green. And also very, very heavy. Which is why if a tree falls in the direction of your house it’s terrifying. Trees have the power to cause some pretty serious damage to your home—they’re not picky about which way they fall if a sudden storm or wind gust pops up. […]
Spring Cleaning
There are few rites of spring more satisfying than the annual clean. For many people, however, the pleasure comes only after the work is finished. Your spring cleaning may never become effortless, but you can make the project more manageable — and even enjoyable. This printable checklist offers an overview of everything you need to know — […]
Flooding: Know Your Risk
What Flooding is an overflowing of water onto land that is normally dry. Floods can happen during heavy rains, when ocean waves come on shore, when snow melts too fast, or when dams or levees break. Flooding may happen with only a few inches of water, or it may cover a house to the rooftop. […]
Insurance Education: Home Insurance Doesn’t Have to Be Hard
Home Insurance woes Are you shopping for a new Home and receiving quotes for Home Insurance? Or, maybe you’re premium on your current Home Insurance policy is rising and now you’re exploring your options. Don’t stress, though![Tweet “Home Insurance doesn’t have to be hard!”]Whether you’re new to the Home Insurance market or just shopping for […]
Contents Insurance and Presents
Christmas is 5 days away and the amount of burglaries for Christmas presents is on the rise. Christmas is a popular time for homes to be targeted by burglars due to the likelihood of presents under the Christmas tree. American Heritage Insurance Group wants all of our customers to be protected from unwanted home burglaries. […]
Frozen Pipes
Don’t Let the Cold Get to Your Pipes This Winter It’s hard to think of a worse start to a winter day in Ohio than turning on the faucet and … nothing. Maybe there’s a trickle of water, but it’s clear you have a frozen pipe. So, what now? Here are some smart tips to help […]
Turkey Fryer Safety
5 Tips for Deep Frying a Turkey This Thanksgiving Those who have tasted deep-fried turkey usually say there’s simply no comparison to an oven-roasted bird — turkey out of the fryer is moist, with crispy skin and a beautiful color. And, it cooks much more quickly than a turkey in the oven, which means you […]
Football Fan Safety
Make football season not just fun, but also safe Finally, fall is here! That eagerly anticipated season when we get to enjoy cooler temps, colorful leaves, the start of school and, of course, football season in Ohio! Football season brings with it a whole host of seasonal activities for football fans, from game-day tailgates and […]