What Does Car Insurance NOT Cover?
When it comes to car insurance coverage, it is important to understand the details of your individual policies. Coverage will vary based on your needs and personal policy. There are a few items, however, that will almost never be covered by your car insurance. To know what you could be responsible for paying out of […]
5 Surprising Claims Your Homeowners Insurance May Cover
Insurance companies are often getting a bad rap for not covering what you may need to be covered. One of the best ways to avoid this is to work with an experienced homeowners insurance agent in Springfield, Ohio to ensure your coverage needs are met. Sometimes, however, you may find yourself pleasantly surprised by everything […]
5 Most Common Home Insurance Claims
Most homeowners will have to file at least one insurance claim in their lifetimes, if not, many more than that. In fact, an estimated 6% of Americans who own a home file an insurance claim each year. Just as insurance coverage varies from homeowner to homeowner, so do the reasons they need to file insurance […]
Are You Protected For These Common Auto Insurance Claims?
How do you know what type of auto insurance you need? It can be helpful to learn from those who have gone before you. If you are new to purchasing auto insurance or looking to update your coverage you will want to consult a trusted and experienced auto insurance agent for expert advice. Our team […]
Top 5 Reasons to Purchase Renters Insurance
If you are currently renting a home or apartment, hopefully, renters insurance is something you already have purchased. If not, we are glad you are here! Renters’ insurance is incredibly important, yet far too many people try to go without it. While some landlords or rental companies will require their tenants to purchase renters insurance […]
How Distracted Driving Can Affect Your Auto Insurance Premiums
The national highway and traffic safety administration is continuing to share alarming statistics such as this one shared in 2020. “Out of 5 million crashes reported in 2020, 13% were due to distracted drivers, that’s nearly 680,000 accidents that could have been completely avoided with safer driving practices.” Today, there are so many distractions drivers […]
What is $0 Deductible Glass Coverage? Do You Have It?
The roads of Ohio present all kinds of hazards to the body of your car. Your windows and windshield are one part of your car that is especially vulnerable to damage. Whether You are driving in the city streets of Springfield, or the open country roads, you never know when a windshield crack could affect […]
What Business Insurance Does a Small Home-Based Business Need?
In today’s growing work-from-home culture, entrepreneurs and small business owners are operating their entire businesses from the comfort of their own homes. In the past, these home-based businesses may have been underestimated or discounted as less successful. Today, running your business in your pajamas at home is applauded, and doesn’t mean you aren’t running a […]
Will My Car Insurance Cover a Hit-and-Run Accident?
The unfortunate truth is that most people will experience some sort of car collision or accident in their driving years. Fender benders or major crashes, accidents happen both big and small all the time, that’s a big part of why you have car insurance in the first place, right? Car Insurance is designed to take […]
Remodeling and Home Insurance
A home remodel can be a big and exciting project to take on. Chances are you have spent years saving, planning, and dreaming of the updates you hope to make to your home. Did you consider your home insurance in your planning process? Of course, as private insurance agents at Link Hellmuth Insurance, we have […]