As an experienced boater, you probably know a thing or two about boat-insurance policies. For instance, when buying boat insurance, you’d likely ask whether the policy pays the agreed value or the actual cash value of the boat. Also, you may know about a trend similar to auto insurance in which boat insurers now offer […]
Climate Change May Affect Your Homeowner’s Insurance Policy
You only need to watch the news once to understand that weather events have become more dramatic over the past 10 years. According to Maryland State Insurance Commissioner Al Redmer, whether you’re talking about tornadoes, floods, hurricanes, or wildfires, “Both the number and severity of natural disasters have increased” – and so have the number […]
Umbrella Insurance 101
Umbrella Insurance is a form of liability insurance that will supplement your basic liability policies, such as your auto, home or renters insurance. An umbrella liability policy covers a much higher limit and goes above and beyond claims directly relating to your home and auto. The main purpose of your umbrella policy is to protect […]
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: […]
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 […]
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 […]
Dog Bite Awareness & Prevention
While we don’t want to imagine what a dog bite would feel like, cost, the damage, etc., we have to acknowledge the fact that they do happen. Even if an owner states their dog has never bitten someone does not mean that they can’t. American Heritage Insurance Group, based in Southwest Ohio, wants our customers […]
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. […]
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. […]
Safeco Insurance® honors American Heritage Insurance Group as a Safeco® Elite Agent
Safeco Insurance has recognized American Heritage Insurance Group, as a Safeco® Elite Agent based upon outstanding performance and our commitment to serve customers as a trusted advisor. Fewer than 10% of independent insurance agencies that sell Safeco personal lines products receive this distinguished honor. At American Heritage Insurance Group, we are pleased to be among […]
Buckle Up!
Although most Americans (about 88.5 percent) wear seat belts, there still a sizable number who who don’t—despite being widely proven to save lives (almost 14,000 in 2015). Plus, we all know we need to click it to avoid that ticket. Teens are the population group least likely to wear their seat belts. It should come as no […]
Distracted Driving for Teens
It just makes sense that a person can’t text and drive a car at the same time. Distracted driving causes crashes, and people can get hurt or killed. That’s why responsible drivers don’t text and drive (or talk on the phone while driving), and they don’t allow other distractions to pull their attention from the […]
Common Driving Mistakes Teens Make
Being a teen driver isn’t easy. You’re developing a new skill, and the consequences of making mistakes while doing so can have serious ramifications, such as auto accidents that result in injuries, deaths, and serious car damage. And, then there’s the impact your errors have on your car insurance rates. Knowing what types of driving mistakes […]
Insurance Careers Month 2018
Insurance Careers Month 2018 In case you didn’t know, February is the first Insurance Careers Month. Why was Insurance Careers Month formed? A group of insurance companies decided to form Insurance Careers Month because of the growing age gap in the industry. The coalition has done an amazing job of providing ways for members of communities, […]
Do You Drive Distracted?
Do you know if you’re driving distracted? A recent State Farm survey provide 9 ways that you might be driving distracted. Keep reading to see how you are driving distracted and statistics found during this study. #1: Smartphone-Related Distracted Driving Behaviors are Increasing Using a hands-free device is used to talk on a cellphone. Listening […]
New Year’s Resolutions – 2018
We’re 30 days into the New Year and many of us at American Heritage Insurance Group are striving to stick to our 2018 New Year’s Resolutions. Did you know that not only can you make the typical resolutions such as exercise more, eat healthy, save money etc., but you can also make insurance resolutions? Check […]
Financial Planning
Financial Planning 101 Personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics works together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family. Budgeting At the very basic […]
Winter Tire Tips
Do You Need Winter Tires? You know it’s coming. Snow and slush. Freezing rain. Maybe even black ice. But do you know if your tires are ready for all of that? When driving in Ohio, in the wintertime, your tires just might be the most important safety feature on your car. The right ones can […]
Protect Your Valuable Christmas Gifts
Did you receive something sparkly for Christmas? Maybe something that’s rated by 4 C’s? Or maybe you got something made for fun; something measured by performance and horsepower. If you or your family received valuable gifts for Christmas, now is a good time to review your insurance to be sure you are properly covered. For […]