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 […]
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 […]
Stay Safe When Tailgating and Drinking at Football Games
Now that the college school year has started up again and we are starting September, that can only mean one thing- football season is among us! Whether you have already purchased season tickets to watch your hometown football team, you’re heading up to your college town to root for your alma mater, or you’re counting […]
What to do when pulled over
If you notice that a police car is following you with the lights flashing, pull over to the side of the road safely and quickly. Wait inside your car for the officer to approach, and be prepared to: Turn on the light Turn on your interior light at night and keep your hands where the […]
What to do after an accident
If you’re in an accident, first make sure no one in the car is injured. Next, check on the passengers in the other vehicle, pedestrians and anyone else nearby to make sure they’re OK. Then do these five things: Stay at the scene Leaving can result in legal consequences, like fines or additional violations. Call […]
Driving safety tips every driver should know
When you’re behind the wheel of a car – whether alone or with passengers – driving safely should always be your top concern. We’re more distracted than ever, so it’s crucial to know the basics of safe driving and practice them every time you’re on the road. Here are some safe driving tips: Top 4 […]
The Top 10 Student Loan Tips for Recent Graduates
Whether you just graduated, are taking a break from school, or have already started repaying your student loans, these tips will help you keep your student loan debt under control. That means avoiding fees and extra interest costs, keeping your payments affordable, and protecting your credit rating. If you’re having trouble finding a job or […]
Distraction is Deadly
Distracted driving is dangerous, claiming 3,477 lives in 2015 alone. Additionally, 391,000 people were injured by distracted driving, and 660,000 is the estimated number of drivers using electronic devices while driving. The NHTSA leads the national effort to save lives by preventing this dangerous behavior. Get the facts, get involved, and help us keep America’s […]
Safe and Responsible Use of Consumer Fireworks
Fireworks can be a lot of fun, but also very dangerous if you don’t use them properly. Safety is the most important thing when it comes to using fireworks. Check out these safety tips from the National Council on Fireworks Safety: Recommended Safety Tips Obey all local laws regarding the use of fireworks. Know your […]
Farm and Agribusiness Insurance
Farm Insurance protects your home, equipment, farm buildings, livestock, vehicles, and your livelihood. Many of us at American Heritage come from farming families, and we understand the farm insurance needs of both the business and personal aspects of your farming operation. We take the time to visit your farm and work with you and/or your […]
The REAL Meaning of the Fourth of July
Tomorrow is the Fourth of July. We’re supposed to be celebrating Independence Day. But what makes this day special? What gives the Fourth of July its significance is that our Declaration of Independence was adopted by the Continental Congress in 1776. It was in Philadelphia, and the signers of that document, composed by Thomas Jefferson, […]
Tips for Staying Cool During the Summer Heat
The dog days of summer are quickly approaching. Soon, the humidity will start to creep in as well. While air conditioning is the way to go, sometimes you’re still not cooling off as fast as you would like. Even worse is if your home has no A/C or it breaks down. No matter the case, […]
Summer Car Care
Summer is an important time to take care of your car through regular maintenance tasks. By taking care of your car in the summer, you can prevent mishaps such as engines becoming too hot or air conditioners not running properly. Check out our list below and download our free checklist. Summer Car Care There are many […]
Vacation Rental Care
Do you own a rental property primarily used for vacations? Think of a cabin in Michigan, an oceanfront condo in Florida or any other type of rental property. If you said yes, then keep reading! Proper maintenance will keep your rental property in great condition and will keep your guests happy (hopefully happy enough to […]
Summer Travel Tips
The Transportation Security Administration (TSA) has put together a list of summer travel tips that will help you travel prepared before arriving at checkpoints and encountering stressful situations. Check out the list here!
Top Summer Vacation Destinations
The kids are out of school for the summer, and work might even be a little slower. Summer is the perfect season for a family vacation. While there is lots to do around Cincinnati that will surely keep the kids occupied, there are several destinations in the U.S. that offer something for everyone in the […]
How to Celebrate Memorial Day
Memorial Day Weekend is starting soon. Have you made plans yet? Memorial Day Weekend is the unofficial kickoff to summer. Most pools open, summer festivals begin and there are many other celebrations. We’ve created a list of different activities and are attaching a free bbq checklist from Destination XL. Check it out below! Memorial Day […]
5 Tips to Manage Traffic
Traffic. It seems like no matter where we go, there it is. Especially on the heavily traveled highways in and around Northern Kentucky, Cincinnati, and Dayton. You might just think that it adds extra time to and from work and can cause a big headache during bad weather or an accident, but traffic can actually cause […]
Happy Earth Day!
The First Earth Day in April 1970 It may be hard to imagine that before 1970, a factory could spew black clouds of toxic into the air or dump tons of toxic waste into a nearby stream, and that was perfectly legal. They could not be taken to court to stop it. How was that […]