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Ohio Home Insurance and Renovations – What You Need to Know

If you are thinking about renovating your home in Ohio, you will be thinking about the return on your investment, and improving the value of your home. What you may not consider is that renovations should be discussed with your home insurance company.  

At Tri C Insurance Group serving Wooster, OH, we want Ohio residents to be protected by your home insurance for all scenarios. You should enjoy your home as you please, you just need to make a phone call before you start that reno.

The Material Change in Home Insurance

Most home insurance policies have a Material Change clause, that notes your home insurance policy could be voided if any changes to the home come with a risk attached. If you are changing your curtains, you don’t need to call them.
If you are replacing a wall, a roof, or having a big demo, you will need to call them. Whenever there is a material change to your home that is not already protected by your home insurance, you need to discuss this with your insurance company, or you could lose your home insurance.

What Isn’t Covered With Home Insurance

When you are having renovations, there are a number of problems that could come up. There may be damage caused that you weren’t expecting that isn’t covered. There may be damage or injury that happens following the renovations that are not covered.

You may also be adding a value to your home that is not covered by your existing home insurance policy. That is often the biggest issue that the insurance company will have. If you are adding $50,000 in value to your home, and something happens without the additional coverage, you are not going to get the claim response you need.

Use Contractors With Insurance

The easiest way to have a safe renovation is to ensure that your workers are insured. You will still need to contact your home insurance company to let them know you are having renovations conducted.

Get a Quote

When you are doing home improvements on your home, contact your home insurance policy to make sure you have coverage before, during, and after the renovations. At Tri C Insurance Group serving Wooster, OH, call us for a quote if you need home insurance, or if you want to make changes to your existing policy.

Do I need life insurance after I retire

One thing most American workers live for is retirement. You plan for it, save for it, and worry about it. Social security no longer begins at 65 years old, depending on what year you were born. Once retirement is imminent, you may wonder if you need to have life insurance after you retire. At Tri C Insurance Group in Wooster, OH, we make it our business to have the answers you need to make educated choices as you head toward retirement and at all the times of your life. 

Life insurance is a gift you give to the ones you love. Does that need to end when you retire? Probably not. Deciding on your life insurance needs to be carefully thought through. What type of life insurance do you have? Does anyone depend on your income to maintain their lifestyle? Do you still have children at home or in school? What is your financial situation? The answers to all of these questions will influence your decision. 

Type of insurance

If you have term insurance, and it hasn’t come to the end of its term, you should take a good look at whether you still need it. With whole life, you have options; you can keep it or cash it in for its value, which may be the right thing to do. 

Who depends on you

Even though you may be ready to retire, your bills don’t retire. If you have a spouse who depends on your income, you need to make sure they are still protected. Just because you are retirement age, it doesn’t mean you no longer have children at home. Ensuring they can continue to live in the family home or stay in school is something to consider.

Financial condition

If you’re on solid financial ground and have provided for your dependents with your assets and savings, life insurance probably isn’t something you need 

Contact Tri C Insurance Group in Wooster, OH for your life insurance needs.

Minimum Coverage Requirements for Your Auto Insurance Policy

Depending on the state in which you live, you will be facing a variety of auto insurance requirements. The trick with these minimum car insurance requirements is that they will differ from one state to the next. Understanding the minimums in your state, whether you live in Wooster, OH, or elsewhere, can be helpful as you begin to shop with the Tri C Insurance Group for an auto insurance policy.

Liability Limits and Why Minimums Exist

Why is it that there are minimums that exist when it comes to auto insurance? States want to be sure that the victim of the accident is taken care of when an accident occurs. The goal with an insurance policy is to indemnify someone or make them whole again. The minimum limits help to ensure that this happens following an accident, no matter who is at fault.

Minimum Requirements in Ohio

If you live in Wooster, OH, there are minimum auto insurance limits set for bodily injure on a per person and per accident basis. On top of that, there is a property damage liability per accident as well.

For bodily injury in Ohio, the minimum is that your auto insurance policy carries a $25,000 bodily injury liability per person limit, with it being $50,000 per accident. The liability minimum for property damage per accident is $25,000. Your policy can exceed these amounts, but these are the bare minimum.

When you are in the market for an auto insurance policy, understand how minimum coverage requirements play a factor. When you grasp this concept, it can make shopping for a policy that much easier. The Tri C Insurance Group team is here each step of the way to guide you through your auto insurance buying experience.

Things to Know About Auto Insurance

Choosing the right auto insurance may seem like a complicated process, yet in essence, it is one of the most straightforward procedures that you will encounter. Tri C Insurance Group states that the rule of thumb is to stick to your basic needs rather than let any misconceptions you have encountered mislead you. To help with that, here are the essential things to keep in mind when shopping for auto insurance within the Wooster, OH region. 

Personal Auto Policies Do Not Cover Business Vehicles

Personal auto policies and business auto policies come with different liability requirements, meaning their use cannot be interchanged. If you occasionally drive your vehicle for business purposes such as ride-shares, this will require you to get more coverage under business vehicle use. Failure to do so could leave you with added injury and damage expenses that you may be trying to avoid, so make sure to talk to your insurance company about any side jobs.

Some Auto Policies Come With Rewards

Depending on your auto insurance needs, some coverage will offer you rewards, allowing you to enjoy savings on your policy. Factors such as safe driving could make a difference while getting your auto insurance and utilizing the same agency for multiple policies. Consider looking into some of the rewards that come with your preferred option on your next purchase.

Your Auto Insurance Covers Multiple Parties

Auto insurance generally requires you to pay your coverage rates, but that is not to say that you cannot loan your vehicle to someone else. If another party gets into an accident in your absence, your auto insurance covers damages caused without charging you any penalties. This makes it possible for your partner or children to drive around without fear of incurring multiple expenses when an emergency arises.

If you are looking for auto insurance to customize your Wooster, OH travel needs, reach out to Tri C Insurance Group today. We also provide commercial, condo, and flood policies, among others, so be sure to call us for any of these coverage options.

How to Talk to Your Family About Life Insurance

It’s not a fun topic. Nobody wants to talk about the “what ifs” and everything that will be left behind when you or someone in your family passes. Nonetheless, end-of-life planning and life insurance are critical topics to discuss. They will make dealing with a difficult situation that much easier when the time does come. To complicate matters even more, you may need to talk to your family members about life insurance for yourself and life insurance for them. 

Talking About Life Insurance for Yourself

Your loved ones most likely won’t want to dwell on the thought of you dying, but they must understand what your life insurance policy is and how the policy will function if you pass. Try talking about your policy over dinner, or write up important information about your life insurance policy coverage, so your loved ones don’t forget the specifics. If you have multiple beneficiaries, be sure to explain who those people are and what percentage they are entitled to. 

Talking About Life Insurance for Loved Ones

Perhaps you’d like your spouse to purchase life insurance, or maybe you think it’s time your parents purchase coverage. Regardless of who the family member is, frame the conversation with love. Rather than telling your loved ones that they need life insurance, try asking them what their thoughts are first. From there, have a conversation about the benefits of coverage and what they can do when they decide they’re ready to purchase life insurance. 

Serving Wooster, OH, and surrounding areas, Tri C Insurance Group is ready to help you and your loved ones prepare for the future with life insurance. While you or your loved ones might have life insurance through an employer, purchasing additional insurance ensures your family will be taken care of in the event you or your loved ones pass. Contact our offices today to learn more about our life insurance policies.

How Home Insurance Protects Your Home

Home is where the heart is, and you should protect it wholeheartedly. The best way to protect the investment you have made in your home is to obtain home insurance. The agents at the Tri C Insurance Group in Wooster, OH understand that your home is one of your top priorities, and you want to protect it through efficient home insurance coverage.

In the event of a fire, vandalism, natural disaster, or burglary, you will need a homeowners insurance policy to repair or replace your property. Home insurance covers your house and surrounding structures on your property, such as decks and garages, as well as your personal belongings, appliances, and furniture. Home insurance will also cover the injuries of someone visiting you at your home when an accident occurs. If you borrowed the money from a bank or mortgage company to purchase your home, you would be required by your lender to have the proper amount of insurance coverage to secure your lender’s investment in your property.

When it comes to your home, acquiring home insurance should be a top priority because, without it, you could lose everything you have worked so hard for over the years. In this case, the adage that it is better to be safe than sorry completely applies.

You can opt for several additional forms of coverage, and that can be discussed with a trusted insurance agent to create the best policy for you and your situation. To determine how much coverage you need for your Ohio home, call the home insurance agents at the Tri C Insurance Group in Wooster, OH today for a quote and get your policy started.

Most Common Myths About Auto Insurance

When you are looking for an auto insurance policy to protect your car, it is important to know and understand the factors that may affect coverage and insurance costs. Unfortunately, there are too many misconceptions about auto insurance that can be quite misleading. Tri C Insurance Group, serving Wooster, OH, prepared a list of myths about this type of insurance that need to be debunked to help you make the right choice. 

Red Cars Are More Expensive To Get Insured

Actually, the color of a car does not determine the price of auto insurance. Auto insurance costs are based on numerous factors, including body type, car make, age of the car, and engine size. Other factors also include the cost to repair the vehicle, the car’s base price, and the chances of it being stolen. Also, some insurance companies consider the age of a driver, his age, and the driving record. 

Cars Insurance Is More Expensive For Older Drivers

It is actually the opposite because older drivers are often qualified for various discounts. For example, a driver who is 55 years and older can get a reduction in their car insurance costs if she or she completes an accident prevention course. 

Your Credit Score Does Not Have An Impact On Car Insurance Costs

The score derived from credit history matters and has an impact on auto insurance premiums. A good credit score is an indicator that a person knows how to handle finances. Therefore, in most cases, people with a good credit score pay less for their car insurance. 

In the state of Ohio, it is illegal to drive without auto insurance. Therefore, if you have a car, you must carry car insurance. If you are currently looking for the right insurance plan, do not hesitate to contact Tri C Insurance Group, serving clients in Wooster, OH. We are ready to help you.

What type of life insurance is right for me?

People who live all over the Wooster, OH area will have a lot of different insurance needs. One form of insurance that you need to assess and think about carefully is your need to get life insurance. When you are looking for a new life insurance policy, there are several coverage forms to think about. It is important to understand the benefits of each option when deciding which is right for your situation. 

Whole Life Insurance

One type of life insurance to consider is whole life. When you get a whole life insurance policy, you can have coverage for the rest of your life as long as you stay current with your premium payments. While payments may be higher than with other options, some of your payments will go into an account that will grow in value. Eventually, you can liquidate this account, making it a good addition to any personal investment plan.

Term Life Insurance

It would help if you also considered getting a term life insurance policy. With term life, you can build a policy that meets your needs based on coverage level and term length. While there are no same investment benefits, it offers flexibility and can be a more affordable insurance option. 

Picking the right life insurance policy is an important decision for anyone in the Wooster, OH area. If you are looking for a new policy here, you should call Tri C Insurance Group. If you reach out to the Tri C Insurance Group team, you can receive more personalized support that is needed to build and choose a new policy. This can help to ensure that you will be properly covered with a policy that is right for you and meets your needs. 

Why is it important to have a home inventory

Homeownership comes with lots of responsibilities. You need to maintain your home. Make sure that you make your mortgage payments on time and have good home insurance. Even when you do everything right, bad things can happen. Most home perils are beyond your control. If your home is damaged or destroyed, you will need to file a claim to get your insurance company to pay you. Your declaration sheet tells you what your insurance will pay for the building itself. When it comes to the content, you have to let the insurance company know what you had. At Tri C Insurance Group in Wooster, OH, we believe in doing for you as we would do for ourselves. 

When you file a claim for reimbursement from your insurance company, they need proof of their payment. Your home inventory provides that proof. It is listing all the items you had in your home before it was damaged or destroyed. A good home inventory will include lots of details, so there is no question about what you had. It should include brand names, model numbers, and even serial numbers. Information should be backed up with a picture. Receipts should be attached as well as appraisals for jewelry. The more detail included, the easier the process of filing the claim and getting the money you need to replace your possessions. 

It is also important to make sure that you store your home inventory in a safe place. Ideally, that place should not be your home. If you have a safety deposit box, that is a good place to store it. 

If you are in the market for home insurance or would just like your current policy looked over at Tri C Insurance Group in Wooster, OH, we would be happy to meet with you. Call our office or drop in for a no-obligation quote.