Could You be Overpaying on Auto Insurance?
Every driver is required to purchase car insurance. It has become an essential need to protect your assets as a driver. Each state has a minimum required auto insurance which you must obtain when purchasing a car. For many, it is beneficial to purchase more than the minimum required insurance to ensure they are protected […]
Water Damage Vs. Flood Damage
Most homeowners may use the terms “flood damage” and “water damage” interchangeably. They may even be surprised to find out that these terms are actually two very different things. In your average everyday conversation, it isn’t a big deal, but in the world of home insurance, these two types of damage are very different. Do […]
Business Insurance For The Small Business Owner
As a small business owner, you wear many hats. In one day you go from boss to salesperson, to accountant, to janitor, and more. When you are just starting out, the weight of being in so many roles can feel heavy, and the to-do list can feel endless. Well, today, let’s cross one thing off […]
Safety Tips For Driving With Children
If you are a parent, you know a big part of your day-to-day life involves driving car loads of children all around town. From grocery pick-ups to school, soccer practice, and play dates. You may be feeling like a glorified taxi cab at this point. Knowing that you spend so much time on the road […]
Before You Say “NO” to Renters Insurance…
It is estimated that only 37% of renters have a renters insurance policy. As agents who fully understand how valuable a renters insurance policy can be, this is a surprising and concerning statistic. Why are so many people saying no to renters insurance? It is clear the benefits of renters insurance are unclear to many […]
Consequences of Driving Without Car Insurance in Ohio
Driving without car insurance is illegal in Ohio. It is actually illegal in all states except New Hampshire. The consequences of driving without car insurance vary greatly from state to state. The penalties can range from a warning to large fines or even jail time. Can You Drive Without Car Insurance? In 49 of the […]
Do I Need Gap Insurance?
When it comes to Springfield, Ohio auto insurance there are a number of optional coverage additions that give you greater coverage in specific situations that may apply to you. One of these options is gap insurance. Gap insurance helps you pay off your auto loan if your car is totaled or stolen and you owe […]
A Beginners Guide to Homeowners Insurance
As a first-time home buyer, the real estate world can feel complicated enough. Many spend a lot of time searching for houses and not much time searching for home insurance. Luckily, home insurance is fairly easy to acquire. If you want to get a good deal and ensure you are covered properly, that might take […]
What Are The Most Common Home Insurance Claims?
All homeowners know investing in a home insurance policy is vital to the home buying and owning process. Sometimes, however, when your home insurance goes unused (really, this is a good thing) it can feel like a waste of money. Have you ever wondered, why do I need home insurance? Well, trust us, as home […]
Auto Insurance Terms You Need to Know
Understanding any kind of insurance policy can feel complicated. As independent insurance agents, we understand that most of the people we serve don’t have the extensive knowledge of the insurance industry we do. For that reason, at Link Hellmuth Insurance we are intentional to thoroughly explain all the insurance options available to you. Starting with […]