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You have decided to build or remodel your home or business. This is a big step, both financially and emotionally. Choosing the right contractor to complete this project is also a big decision. Hiring the wrong contractor can lead to cost overruns, delays, substandard work and sometimes even litigation over disputes regarding the timing, quality or cost of the project. While it’s tempting to choose a contractor based solely on an online portfolio of completed work or customer testimonials, don’t overlook the importance of making sure your contractor is properly[.....]

The post Licensed, bonded, insured: What it means to you appeared first on The Cincinnati Insurance Companies blog.

If you want to restore the comforts of your home in the event of a loss, it’s best to choose replacement cost coverage on your household contents. It could be worth hundreds, even thousands of dollars to your family. Most homeowners insurance policies cover personal property for its actual cash value. To cover your contents for the cost to replace them – new for old –  request replacement cost contents coverage. WHAT IS ACTUAL CASH VALUE? Actual cash value is replacement cost minus reasonable depreciation. The actual cash value of[.....]

The post Replacement cost for your home’s contents appeared first on The Cincinnati Insurance Companies blog.

Everyone knows to call 911 for emergency rescue, safety or medical services. But sometimes when disaster threatens or strikes, you must act immediately to shut off utility service while you wait for help to arrive. As part of disaster planning for your home or business, locate and tag your utilities, and think through the scenarios that might require action. Whether a disaster causes you to stay put or evacuate, consider: WATER SERVICE – When a pipe breaks suddenly or when there’s a threat of below-freezing weather, you may need to[.....]

The post Can you find your utility shutoff valves? appeared first on The Cincinnati Insurance Companies blog.

Gold and diamonds and furs, oh my! While your homeowners policy may cover valuables when lost, stolen or damaged, many policies limit the valuation of items such as jewelry, silverware, works of art, furs or collectibles. That policy may pay only the limit and not cover the full value of each item. If you have items of value, ask your local independent insurance agent about personal articles coverage. COVERAGE YOU NEED You receive better protection for certain valuables with personal articles coverage because you can schedule each item at its[.....]

The post Personal articles: Protect your valuable property appeared first on The Cincinnati Insurance Companies blog.

When you’re shopping for homeowner insurance, remember that policies can vary widely. Some coverages may be included, and others may be available for additional premium. Here are some questions you might want to ask your independent insurance agent: Is my home covered for full replacement cost? This is one of the key distinctions between homeowner policies, and you’ll want to know the answer. If your home is covered only for its current market value – or worse, your loan amount – you are likely underinsured and would not be able[.....]

The post 7 questions to ask your agent about homeowner insurance appeared first on The Cincinnati Insurance Companies blog.