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New teen driver. As both the father of a new driver and an underwriter, those words make me nervous. But some proactive discussion among the new driver, his or her parents and your local agent can make the teenage driving years a lot less stressful. Readiness – First, make sure your teenager is ready to be behind the wheel. Even a delay of six months could allow your teen enough time to be ready for the responsibility of driving. You set the tone – Your driving habits have an impact[.....]

The post Words to make a parent nervous: Teen driver appeared first on The Cincinnati Insurance Companies blog.

A boiler is to a building as your heart is to your body: The wrong thing happens, and any other concern that may be troubling you becomes moot. Like your heart, a boiler is subject to deterioration that may not be apparent until it is too late. The only way to become aware of declining conditions and avoid catastrophic loss is through examination by a qualified person. Throughout history both physicals and boiler inspections have saved lives…maybe even your own. What does this have to do with insurance? If machinery[.....]

The post Prevent boiler catastrophe with periodic inspections appeared first on The Cincinnati Insurance Companies blog.

Football game day fuels emotions and festivities, whether you’re rooting for your college alma mater or your favorite pro team. Don’t let the distractions of tailgating, friendly get-togethers, the game or your busy neighborhood lead you to disregard safety issues. Before decking out in your favorite team colors, keep these tips in mind: Follow all posted rules for your tailgating site. Make sure your grill is placed a reasonable distance away from your vehicle. Heat from the grill can damage the paint and could ignite the gas tank. Place a[.....]

The post Tips to keep the fun in your game day tailgating appeared first on The Cincinnati Insurance Companies blog.

The biggest question to answer when purchasing life insurance is whether you need a term or permanent policy. Each type has advantages and limitations. To make the right decision, you should know and understand your options. Here are a few questions to consider: How will the money from this policy be used? Do my life insurance needs span my entire life or a specific period of time? Do I want to accumulate cash value or just have death benefit coverage? How much life insurance do I really need and what[.....]

The post Term vs. permanent life insurance: Which is right for you? appeared first on The Cincinnati Insurance Companies blog.

Ask most young adults about their valuables and they’ll probably note their car or their phone or their computer. They likely won’t mention their identity. “Why would anyone want my identity? I have no money and no credit.” Those are exactly the reasons identity thieves want them, especially if they’re college students and especially if their parents are paying for their living expenses. Since 2012, roughly one in five of those who have had their IDs stolen were age 20-29, according to the Consumer Sentinel Network of the Federal Trade[.....]

The post College students, identity thieves want you appeared first on The Cincinnati Insurance Companies blog.