Personal Insurance
Coverage for the house, the cars, and everything under them.
If you own a home in Greater Cincinnati or Northern Kentucky, you already have insurance. The question is whether it still matches your life. I read the policy you have, tell you what it really does, and price better options across several carriers.
Meet your personal lines.
Start my quoteHome, auto, umbrella, life, flood, rentals and valuables — placed with multiple carriers and reviewed against how you actually live in Greater Cincinnati.
Home & Auto, bundled properly
Replacement cost on the dwelling, realistic liability limits, and auto limits that don't collapse the first time someone else is seriously hurt.
Umbrella & Life, sized to your exposure.
A million dollars of umbrella often costs less per month than a streaming bundle. Life gets sized to the mortgage, the kids, and the years you'd want covered.
Flood, Rentals & Valuables
Ohio River basin flood zones, landlord policies for rental properties, and scheduled coverage for jewelry, instruments and collections that a standard homeowners policy caps out on.
The six gaps I find most often on local policies.
None of these are exotic. They're the ordinary things that get set once at closing and then never looked at again — until a claim makes them expensive.
Dwelling limit stuck in the past
Construction costs moved fast. A home insured to a 2019 rebuild figure can be six figures short of what it takes to rebuild today.
State-minimum auto liability
Ohio and Kentucky minimums are far below the cost of a serious injury claim. Raising limits is usually cheaper than most people expect.
Water and flood assumptions
Sump pump backup and surface flooding are separate from your homeowners policy. Plenty of Cincinnati basements have learned that the hard way.
Unscheduled jewelry and valuables
Most homeowners policies cap jewelry theft around a small sub-limit. A scheduled rider costs little and pays without a deductible fight.
Life coverage that never got updated
The policy you bought before the second child and the bigger mortgage isn't the policy your family needs now.
Rentals on a homeowners form
Renting out a property — even part-time — needs a landlord form with loss of rents, or a claim can be denied outright.
Your insurance should change when your life does.
It may be time for a review if you:
- Bought or renovated a home
- Got married
- Added a teenage driver
- Bought a different vehicle
- Started a business
- Purchased rental property
- Added jewelry, collectibles, or other valuables
- Haven't completed a full insurance review in several years
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.