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ADDRESS
Lima Office
212 W. High St.
Lima, Ohio 45801
Bluffton Office
105 S. Main St.
Bluffton, Ohio 45817


Parents of College Students: Check Their Coverage Before They Go
Many homeowners’ insurance policies provide coverage for your college student while they are away at school. If they are residents of a...
Aug 30, 20181 min read


Equifax Data Breach Anniversary: Why It’s Time to Check Your Identity Defenses
Those are the odds your important personally identifying information (PII) was exposed in the 2017 Equifax data breach. You are forgiven,...
Aug 24, 20183 min read


The Sharing Economy: When New Opportunities Create Insurance Challenges
I recently took a call from a personal insurance client of mine who is considering buying a new Tesla with the hope of renting it out via...
Aug 16, 20182 min read


Understanding Your Insurance Policy 101
Most insurance policies have the same basic layout: Insuring Agreement (what we’ve agreed to cover), Definitions (defining certain words...
Aug 14, 20182 min read


Up, Up, and Away: Packing Tips for Airline Travel
Not only are we limited to what we pack (batteries, liquids, etc.), but it’s just as important to pay attention to the weight of luggage...
Aug 9, 20182 min read


Your Flood Risk is Rising
After six years of living in our home, we did not have a drop of water in our basement. We had endured some issues with the roof and an...
Aug 8, 20183 min read


Cheers to Beer Brewed Safely at Home
In the last decade or so, there has been an influx of micro-breweries that have sprung up all over the country. Many of these breweries...
Aug 3, 20182 min read


Backing Up Your Computer is More Important Than You Think
Hardware Failure / Human Error When your device fails, sometimes it’s because of the storage medium. Maybe it’s old, there is a fault in...
Jul 30, 20182 min read


Life Insurance for Parents: Considering Your Loved Ones
Cost of Raising Children Raising a family is anything but cheap. According to a study done by the USDA, to raise a child born in 2015 was...
Jul 16, 20183 min read


Why Certain Dog Breeds Are in the Insurance Doghouse
The typical insurance company policy regarding dogs is usually simple: if an account has a prohibited breed of dog, the insurance company...
Jul 12, 20183 min read


How To Save Money On Gas During Your Summer Road Trip
Rather than use a roof-top cargo box, rear-mounted boxes or trays can improve efficiency. The wind resistance created from roof-mounted...
Jul 10, 20182 min read


Avoid the Nightmare Vacation: Safeguard Your Identity
Did you know? 7 million people became victims of identity theft last year.[1] Two out of five travelers admit that they aren’t as careful...
Jul 3, 20181 min read


Keep Your Online Accounts Secure with Two-Factor Authentication
Now, many security-conscious applications, especially those dealing with financial transactions and information, have introduced...
Jun 29, 20182 min read


Collision or Comprehensive? Choose the Coverage That’s Right for You!
In insurance terms, comprehensive coverage (sometimes defined as “Other Than Collision”) is protection if your vehicle is damaged as the...
Jun 21, 20181 min read


Don’t Let Cyber Criminals Outsmart Your Smart Technology
But what about individuals and families? Reports show that the average household has more than 10 devices connected to the internet and...
Jun 18, 20182 min read


When Things Go (Really) Wrong, Your Umbrella Has You Covered
Over the past few weeks, I’ve had the same discussion with two sets of family and friends about the importance of umbrella policies and...
Jun 13, 20182 min read


Ride-Sharing: Uber Convenient or Uber Risky?
Pros: It’s cheaper. Multiple people in the car means less money each individual has to pay. It’s like a taxi, but better! It’s more...
Jun 7, 20182 min read


Diminish the Damage of Hurricane Season
We may hear weeks in advance that a potential hurricane or tropical storm is brewing, or it can develop overnight. It may start as a...
Jun 4, 20182 min read


Beat the Heat by Staying Hydrated
After months of complaining about the cold and snowy weather we’ve been experiencing in the North, the warmer temperatures have finally...
May 30, 20182 min read


Renting? Don’t Assume the Landlord Has You Covered
The Insurance Information Institute found “only 41% of renters actually have renters insurance.” [3] Many choose to not purchase renters...
May 24, 20182 min read
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