Coverage reviews
What actually happens in a coverage review
Twenty minutes, your current declarations pages, and a plain-English list of what's covered, what isn't, and what I'd change first.
Insurance Made Simple
The explainers I wish every client got at closing.
Short, honest pieces about how coverage actually works — written for people in Greater Cincinnati and Northern Kentucky who want to understand what they're buying before they buy it.
Home insurance
Why your Cincinnati home may be underinsured
Rebuild costs jumped while dwelling limits sat still. Here's how to check yours in about five minutes without calling anyone.
Contractors
The certificate wording your GC will reject
Additional insured, primary and non-contributory, waiver of subrogation — what each phrase means and why a generic policy won't produce it.
Umbrella
Umbrella coverage, explained without the sales pitch
Who actually needs a million in excess liability, what it sits on top of, and roughly what it costs in Ohio and Kentucky.
Seasonal tips
Getting your policy ready before winter storms hit
Frozen pipes, ice dams, and downed limbs are the calls I get every January. Here's what to check on your home and auto coverage before the first snow.
Seasonal tips
What your auto and umbrella actually cover on a summer road trip
Rental cars, towing a boat or camper, driving out of state — a quick rundown of what's already covered and what's worth a phone call first.
New homeowners
Insurance tips every new homeowner should know
Escrow, dwelling limits, and the paperwork your lender needs — a plain-English walkthrough for your first policy in your first house.
Small business
A quick coverage checklist for small business owners
General liability, property, and workers' comp are the baseline — here's how to check if yours actually matches how your business operates.
New information and short videos are added as clients ask the questions. If there's something you want covered, text me the topic.
Schedule a Coverage Review
FAQ
The questions clients ask me most.
Straight answers, no jargon. If yours isn't here, text me and I'll answer it — and probably add it to this list.
Still have a question?
Text or call (513) 898-1751 and you'll reach me, not a queue. Please leave policy numbers and personal identifiers out of text and use the secure intake link instead.
Text SamanthaI'm not tied to one carrier's product. I take your risk to multiple markets, compare what each one covers rather than just what each one charges, and explain the trade-offs before you decide.
Ready when you are.
Request a quote online, or reach Samantha directly at (513) 898-1751. Please keep policy numbers and personal identifiers out of email and text — use the secure intake option on the quote page.