by Richey-Barrett Insurance "Since 1902"
Home and Family Insurance by Richey-Barrett

Home and Family Insurance

Home and Family Insurance by Richey-Barrett

Home is where our Loved Ones live and they are the most important part of our lives. We all know catastrophes can happen at any time, usually without warning. The proper independent insurance solution in place can provide you with the peace of mind you deserve by ensuring your loved ones are protected no matter what. Peace of Mind will help you and yours live life to the fullest.

April 29, 2019
Vice President
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pringtime is Mother Nature’s call to get outdoors and connect. The beauty of RVing is it allows you to do both and have fun. A growing consumer segment is choosing to slow down, shift gears, and park it, so to speak, outdoors. Singles and couples, young and old, families with kids or not, full-time workers or retirees … all are discovering a path to “there’s more to life” through RVing. Don’t forget to connect with your insurance agent to make sure you have the proper RV property and liability insurance in force.

April 18, 2019
President
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In honor of the Holiday Weekend, our office will be closed on Saturday, April 20th and will reopen Monday, April 22nd.

March 18, 2019
Vice President
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ello Cleveland. Goodbye winter. We are in the low single digits … not in temps … but in days away from the official start of spring! Many Clevelanders welcome this time of year with some version of spring cleaning. Perhaps you call it a pitch party. Once you reach the garage and basement, you’ll likely find hazardous materials you no longer need. Examples might be pesticides, weed killer, antifreeze, turpentine, paint thinner, or caustic household cleaners. What should you do with them?

February 04, 2019
President
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leveland is a 21st century city of revitalization with 19th and early 20th century charm. Older homes in walkable neighborhoods like Shaker Square, Little Italy, Tremont, Ohio City, Coventry Village, and University Circle are both nostalgic and desirable. Character and durability never go out of style. To remain functional and safe though, older homes require electrical upgrades.

December 28, 2018
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e hope you had a wonderful Christmas Holiday with your families. We want to wish you a happy and healthy New Year, and hope that 2019 brings you great joy.

Our office will close at 5:00 p.m. on Friday, December 28th so we can spend time with our families, we will reopen at 8:30 a.m. on Wednesday,January 2nd.

December 21, 2018
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s we near the Christmas Holiday, instead of just saying “Happy Holidays” we wanted to give you a few of our employee’s favorite holiday recipes.

December 11, 2018
Vice President
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fter many years of hard work Craig, Linda and their two boys had just moved into their dream home inChesterland, Ohio, a picturesque suburb 15 miles east of Cleveland, a town where the boys could ride their bikes to school, play with their friends in the woods and go sled riding in the winter. Then the unexpected happened, Craig received a frantic call at work from his wife, there had been a horrific explosion and fire at home while she was out and there was nothing left. Nothing.

November 20, 2018
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e all know that when Thanksgiving comes around, it’s time to see your family. Your parents, your grandparents, and that creepy uncle that always eats too much. My favorite part of Thanksgiving is getting to eat until I have to unbutton my pants! Aside from the food, the real meaning of Thanksgiving is that we all cherish our moments together, and be thankful for one another.

October 30, 2018
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ts 11 am on a Sunday in Cleveland, Ohio, I’m rushing from one job to the next, trying to figure out what drive-thru to get lunch from. I’m already late to my second job, and I can see a McDonald’s right passed the intersection I’m stopped at. I fiddle around for my credit card and out of the corner of my eye I see the light turn green. Immediately I step on the gas, and then all of a sudden… it happens.

September 25, 2018
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hile we continue to provide first-rate service to our existing clients, Richey-Barrett Insurance is expanding accessibility through technology. We’ve added a feature on our website’s homepage to provide preliminary new business quotes for home and/or auto insurance. Check it out now at Richey-Barrett.com or follow this link.

August 31, 2018
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t Richey-Barrett, we cherish the hard work and dedication of our employees, as well as the hard work of our associates and friends. On September 3rd, 2018, we will observe Labor Day. Normally, people think of Labor Day as the holiday that signifies that kids are officially back in school, and the summer season is coming to an end. Labor Day is the annual celebration of workers and their achievements. It all started during the time of the industrial revolution.

August 13, 2018
Vice President
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ffective July 2, 2018, Ohio Bureau of Motor Vehicles (BMV) introduced its federally-compliant new driver’s license and state ID card (DL-ID), which are new options vs. the standard Ohio driver’s license or Ohio ID card. Ohio joins a majority of states which currently issues Real ID-compliant drivers’ licenses.

July 16, 2018
President
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ummertime is playtime on Lake Erie for recreational boaters. With preseason inspections and tune-ups of hulls, engines, props, sail riggings, masts, etc. complete, boating enthusiasts are now in peak season on Cleveland’s North Shore. Long, lazy days of summer beckon, and Lake Erie is a prime playground. From powerboating to paddle boarding, the view from Cleveland’s expansive lakeshore is populated with a variety of pleasure craft.

July 02, 2018
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veryone loves the Fourth of July. Cookouts, family, and patriotism – there is no better combination. Between relaxing, parades, and enjoying time with friends and family, you normally see a lot of red, white, and blue. Most people know that on July 4th, 1776 the United States of America won their independence from Great Britain, but do you know any history of our nation’s flag? Read more to find out.

May 24, 2018
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ast Memorial Day, we wrote a blog post on the importance of Memorial Day and touched on a bit of history. We did not include the history and importance of the red poppy flower as it pertains to Memorial Day. This year marks a century that red poppies have been a token of Memorial Day. Have you ever wondered why red poppies are popular on Memorial Day? If so, read on to find out!

May 21, 2018
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f someone important to you is graduating from, let’s say Westlake High School or Cleveland State University, and you’ve decided to reward them with a car (or help him/her purchase one, at least), consider these tools and tips to help you find the right car. Adding a car to the family can make life easier for everyone — as long as it’s the right car.

April 16, 2018
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he tax filing deadline for personal tax returns is Tuesday, April 17, 2018. Whether you’ve already filed and checked this annual duty off your “must do” list, or you are waiting until the last moment to file, beware that tax season is harvest season for criminals. Old scams and new twists of tried scams mushroom every year. They exploit vulnerability.

March 29, 2018
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ll of us at Richey-Barrett Insurance Co. wish you and yours a happy holiday weekend! Our office will be closed on Saturday, March 31st and will reopen on Monday, April 2nd so our team can enjoy the holiday with family and friends.

March 05, 2018
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o many purchases today also come with an offer to include a product warranty. How do you weigh the decision to purchase it?

February 16, 2018
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n honor of Presidents Day, The Richey-Barrett Co. will be closed on Saturday, February 17th and Monday, February 19th, 2018. We will re-open on Tuesday, February 19th, 2018. Read more to learn some interesting facts about a few U.S. presidents!

January 22, 2018
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hen we review clients’ auto policy renewals, if their vehicle is around 10 years old, we often suggest that they think about whether they still want to carry “full” coverage (or what we refer to as including Comprehensive and Collision along with their required liability coverage).

December 28, 2017
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ll of us here at Richey-Barrett Insurance hope you had a great holiday and we wish you a very happy and successful New Year! We will be closed on Monday, January 1st and re-open on Tuesday, January 2nd 2018.

December 22, 2017
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ll of us here at Richey-Barrett Insurance wish you and yours a Happy Holiday! We will be closed on Monday, December 25th and Tuesday, December 26th and reopen on Wednesday December 27th.

 

December 04, 2017
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he Christmas tree conundrum: real or fake?

The kind of tree that adorns a person’s home during the holidays can provoke debate as much as Coke vs. Pepsi or Chevy vs. Ford.

When it comes to Christmas trees, do you choose live or artificial? Do you cut your own at your local tree farm or do you prefer the convenience of a tree bought at your local shopping center or hardware store that won’t shed its needles, doesn’t need water, and already has lights?

Both live and artificial trees have their advantages and disadvantages, and we here at Richey-Barrett Insurance certainly aren’t going to try to convince you that one is “right.” But in the spirit of giving, we thought we’d provide some information to help you make the best decision for you and your family.

November 20, 2017
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If there’s anything more satisfying than melting into the couch following a multi-course Thanksgiving dinner, it has to be shopping for the best deals of the season later that night or the day after. Some fun places to shop on Black Friday in Northeast Ohio are Crocker Park in Westlake, Legacy Village in Lyndhurst, Aurora Farms Outlets, and more!

Hitting the shops on Black Friday has become a ritual that is as all-American as watching fireworks on the Fourth of July. And why wouldn’t it be, considering what a win-win it is for Ohio customers and retailers alike? 

November 17, 2017
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ll of us at Richey-Barrett Insurance Co. wish you and yours a happy and hearty Thanksgiving! Our offices will close at 5:00 pm on Wednesday, November 22nd and reopen on Monday, November 26th at 9:00 am so our team can enjoy the holiday with family and friends.

If you have an emergency please contact us at 440.835.4800 ext. 109 and leave a message. An on call team member will get back to you as quickly as possible. Happy Thanksgiving!

October 23, 2017
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ill you be attending a fun and festive Halloween party this weekend? If so, click below to attain some tips that can help keep you safe. It is always better to be informed than to be negligent… especially on Halloween! 

The most popular Halloween activity of course is trick-or-treating, but we all know Halloween parties are popular among teenagers and adults. Halloween parties are always something to look forward to, not only because it is a great time for socialization, but also because you get to be festive and dress up in a costume! Due to this, Halloween parties can become a bit rowdier than normal, leading to some risky and dangerous behavior. Some of the main behaviors that happen at parties that you want to avoid or avoid being the victim of are:

October 02, 2017
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little extra caution can go a long way while driving at night

Summer has ended, and while fall and winter have their own pleasures, longer nights mean increased danger on the roads.

You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the National Safety Commission (NSC).

August 31, 2017
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n honor of Labor Day, The Richey-Barrett Insurance Co. will be closed Saturday, September 2nd, 2017 and Monday, September 4th, 2017. We will re-open Tuesday, September 5th, 2017.

August 15, 2017
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e all know that college is very expensive. Something you may not expect is an unanticipated accident or theft, not covered by your insurance policy. If you have a student heading away to college, such as Cleveland State or John Carroll, below are a few tips to help you get the most out of your coverage.

July 11, 2017
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t is that time again; VACATION!!! YIPPEE!!! A time to get away from all the HUSTLE and BUSTLE of everyday life. Whether you are going away for a weekend or a long extended “dream vacation” of a lifetime, it is smart to take precaution when leaving your home. Keep reading for some safety, crime prevention, and travel tips.

Here are a few tips to keep your home safe while you enjoy your well deserved vacation:

June 29, 2017
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n honor of Independence Day, The Richey-Barrett Insurance Co. will be closed on Monday, July 3rd and Tuesday, July 4th, 2017. We will re-open Wednesday, July 5th, 2017.

May 30, 2017
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our home should be a safe place for your most valuable asset… your family. The precautions listed in this post will not only protect your family, but could also protect your home and all of the items you worked so hard for.

May 25, 2017
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hat does Memorial Day mean to you? To me, Memorial Day means the beginning of summer. It also means getting a chance to spend time with family and friends. This may not be the case for all people, however.

For most people, Memorial Day is spent outdoors, enjoying some delicious barbecue with the people they love. Baseball season is in full swing and the warm weather is finally here to stay. While all of this sounds fun and exciting, the reality is Memorial Day means something different to some others.

April 19, 2017
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ased on analysis for a 4 year period, wind and hail losses were ranked highest in frequency over other types of claims.

Thanks to major weather events such as Hurricane Sandy, insurance companies have had to adjust how and what is covered in roof claims.  The general rule of insurance is to make you whole.  The insurance company will pay to repair the damaged roof or replace the entire roof if that is what it takes.

March 14, 2017
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f you’re using your car and driving for Uber, Lyft or any other ride-sharing company, you need to be aware of the gaps between your personal auto insurance policy and the corporately provided insurance.

Your insurance is a legal contract.  There is specific wording which grants and limits coverage.  Let’s be honest… no one wants to read their contract.  However, being blissfully unaware of the content will not be an adequate defense if you’re involved in an uninsured accident. 

February 17, 2017
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n Honor of Presidents Day

The Richey-Barrett Co. will be closed on Saturday, February 18 and Monday, February 20, 2017.
We will re-open on Tuesday, February 21, 2017.

January 31, 2017
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o one ever wants to hear they “need” insurance.  We understand that sometimes it feels as though you’re throwing your money away on insurance.

As agents, we are tasked with making you aware of the risks and inform you how you can cover them.

So, here in a nutshell is what you get with a renters policy:  coverage for your Personal Property, your Loss of Use (of the premises in the event of loss),  Personal Liability and Medical Payments.  The policy will define exactly WHAT losses you are covered for.

January 03, 2017
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elcome to 2017! The New Year is here! From your friends at Richey Barrett Insurance Co. have a happy year! Thank you!

December 27, 2016
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hile we here at Richey-Barrett know you must sit on the edge of your seats each Tuesday to receive the weekly Richey Read on our blog site, this week may come as a disappointment.

 However, we will be back in the New Year chalk full of great information and heartwarming, sometimes even humorous blog stories you have all come to know and love. We here at Richey-Barrett Insurance Co. would like to thank everyone out there for being a customer, friend, or family member this year and hope to see you all, as well as many new faces in the year of 2017.

December 20, 2016
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Traveling during the holidays is something that seems nearly unavoidable – whether you are going across town, across the country, or across the world, sometimes winter travel gets the best of all of us. I will share a little story of my recent experience with traveling during the fury of the snow, a story I am sure many of you can easily relate too.

December 13, 2016
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ou review your homeowner insurance renewal and see there is coverage listed for “Other Structures”. But you know your garage is attached and don’t have any other structures! …or do you? 

First of all, it may relieve you to know that your policy gives you automatic coverage for usually 10% of your Dwelling limit to apply additionally to any Other Structures you may have. No charge; really, no extra charge! 

November 23, 2016
T

hanksgiving is one of those holidays that all American’s relish in: the sweet taste of yams and the hearty stuffing, family and friends convening around a big ole’ bird cooked to perfection. What could be a better day?

As with many holiday traditions there is a plethora of relatively little known facts surrounding the food-filled day and thanks to our friends at CNN.com and your friends at Richey-Barrett Insurance, here are just a few of the best ones for your reading pleasure!

November 10, 2016
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eterans Day began as “Armistice Day” 97 years ago on the one year anniversary of the end of World War I. In 1938, it became known as Veterans Day and in 1954, President Eisenhower officially changed it to the name we call this day now. Veterans Day is the historical celebration for these brave men and women, thanking them for their service for our country.

November 01, 2016
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t means that the driver did not allow enough distance between his vehicle and the vehicle in front of him. ACDA is also what you may be charged with if you rear-end someone.

 “Assured Clear Distance” is a vague concept in some ways. It is part of Ohio law that you should maintain a safe speed and distance when driving so that if you come upon a sudden stop, you can better avoid hitting the vehicle in front of you. That distance between your vehicle and the other vehicle which allows you to properly stop without a collision is the “assured clear distance ahead”.

October 25, 2016
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t’s once again the spookiest time of the year, Halloween! With all the ghosts and ghouls, candy and fun, sometimes we may forget that safety during trick-or-treating is more important than any sweet!

As the night of festivities quickly approaches, we here at Richey-Barrett pride ourselves on safety for you and for your community. Here are just a few quick safety tips from the folks at The American Academy of Pediatrics to keep in mind while taking your loved ones through the streets riddled with frights, monsters, and candy wrappers:

October 03, 2016
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ow long would it take you to escape your house in the event of a fire?  Need to grab the valuables, children, pets?  Do you or a loved one have a disability?  Will you be able to locate scared children and pets immediately?  Hopefully, you can accomplish all this in 5 minutes because that’s the estimated time it takes for a room to flashover (become engulfed in flames) in today’s modern home.

August 22, 2016
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he buzz in the industry is that all indications point to auto insurance rates increasing.  There are a number of factors that have created this unappealing prediction.

Rates are based on loss experience by a company. 

    Fact #1:  There is a documented trend toward purchase of newer cars.  This can be attributed to lower interest rates and attractive lease offers.  

   Fact #2:  Lower gas prices equal increased consumer driving.   More driving miles translate to more accidents and increased Liability rates.  So now, the perfect storm.  We see increased accidents in cars that cost more to repair.

July 25, 2016
Vice President
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ealing with property claims is always a concern for you, the property business owner. Do you have enough insurance coverage for the loss? What if the loss is caused by a defective appliance such as a refrigerator, stove, electrical cord, and/or a water supply line? Suppose you are a landlord, and the property loss is caused by your tenant’s negligence in starting a stove fire, or your tenant leaves the bathtub water running unattended resulting in an overflow, or your tenant carelessly leaves on an electric blanket which catches on fire. Typically your insurance company will pay the covered loss less your deductible. If you are a landlord, it is prudent to require your tenants purchase a tenant’s insurance policy providing both property and liability coverage. The tenant’s insurance policy can also protect you, the landlord, indirectly. These scenarios get into an area of insurance claims we do not often hear about, the area being after- the- fact settlements. 

July 18, 2016
President
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acebook, Instagram and other social media platforms are popular forums for sharing special moments, life adventures and family vacations. While you may be encouraged to bring your entire following along for the ride, consider that you could end up sharing well beyond your intended circle of friends or followers.

June 13, 2016
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e have all seen the commercials portraying the entire contents of a house floating in the living room scaring you into purchasing flood insurance.  But do you really need it?

There is some vague information we recall we’ve heard somewhere about flood zones.  If you’re in the bad one, you need it and in others you don’t, right?  The answer is maybe.

May 09, 2016
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he thought of a vacation is supposed to bring relaxing and positive thoughts. Unfortunately, there is always a level of risk involved in traveling. Planning a trip means pre-paid expenses like plane tickets, cruise fare, or tour packages. These expenses are at risk if you need to cancel, but you also risk additional expenses from medical emergencies while traveling. Naturally some risks are small, like having a rainy beach day or leaving an umbrella in a cab. Others are huge, like a costly cancelled trip or getting sick abroad.

Travel Insurance Review listed 3 top reasons for buying travel insurance: Peace of mind, protection against the unexpected, and protecting your trip investment.

April 25, 2016
Vice President
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n article by the Ohio Insurance Agents, Ridesharing in Ohio: the Stakes are High for You and Your Client, highlights the importance of understanding any rideshare program before you decide to participate.

What is ridesharing? Ridesharing means vehicle owners transport passengers in their own cars for a “donation.” Drivers sign up with a service called a Transportation Networking Company (TNC) that charges a fee to connect passengers with drivers via a website or smart phone app. Passengers arrange rides and pay with a credit card via the TNC’s app. Well known TNCs include Uber and Lyft. 

April 04, 2016
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o you own a collector or antique automobile? A collector car is considered a car over 10 years old and maintained or restored by a hobbyist because of rarity or historic interest.  Antiques are over 25 years old. 

After what seems like a lifetime of saving and searching, you have finally found the antique or collector car from your childhood dreams.  Hours spent daydreaming, cruising down the highway and open roads. One thing you probably have not thought of is how the insurance is figured for an antique or collector car. 

March 07, 2016
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fter three years, the lease on your vehicle has expired.  Following much debate, you have decided not to purchase the car, and move on to a newer model. Now it is time to update your auto policy, whether you have decided to lease again or purchase the new vehicle. Dealerships naturally try to sell their own version of a contract for a loan or lease gap, but it is typically more expensive to purchase. What are your current options?

February 22, 2016
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or most people imagining drones flying all around our neighborhoods, sounds like the sort of thing straight out of the Jetsons, something that still seems so futuristic. In reality, owning a personal drone or using one for a business is already happening.  Clearly, drones are increasing in popularity and awareness with not only consumers, but businesses too.  The Federal Aviation Administration (FAA) has determined that small UAS are “currently the most dynamic growth sector within the aviation industry.” By 2020, it is estimated that about 30,000 small unmanned aircrafts will be used for all types of business purposes.

February 15, 2016
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f your actions inspire others to dream more, learn more, do more and become more, you are a leader. — John Quincy Adams

Today is designated to celebrating all 44 of the United States  presidents. The Presidents Day tradition first began in 1800, the year after Washington died. People mourning the late leader celebrated his birthday, and in 1879 the holiday became official. Read on for more Presidents Day facts, collected from sources like Mashable, the Huffington Post and the Smithsonian:

January 04, 2016
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ow, as we start a new year we look forward for the endless possibilities that 2016 could have in store for everyone. Starting off on a positive note, we have prepared a small list of 5 things consumers can look forward with experiencing in the New Year.

P.S 2016 is a Leap Year! 

December 07, 2015
Vice President
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e all have aging parents, siblings, relatives or friends that may need our help as they age. Some events in our lives may trigger the involvement of probate court.  The probate courts oversee the proper settlement of estates and management of guardianship. Let our Q & A section help you understand the process.

November 17, 2015
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ummer has ended along with daylight savings time.  This means more night time driving.

Everything is more difficult to see at night so remember to adjust your driving habits for night driving.  You’ll want to drive slower at night to avoid “over-driving” your headlights.  This means you may encounter a road hazard or sharp curve before your headlights have.

Use your high beams whenever possible to improve your vision distance but be sure to dim them for oncoming traffic and in fog.  Keep more distance between your car and the one in front to compensate for limited vision.  Keep your headlights on 1 hour before dusk and 1 hour after dawn to improve your vehicle’s visibility.

Here 5 common sense Night Time Driving Safety Tips:

October 26, 2015
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inally, after anxiously waiting the whole month of October, Halloween is upon us, only a few more days until we acquire enough candy to rot our teeth and upset our stomachs. Like any holiday event it is easy to get caught up in the excitement of the day. Nevertheless it becomes imperative to remember safety comes above all.

October 19, 2015
Vice President
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his week’s blog was written by a guest author Patrick O’Brien who is executive director and co-founder of executor.org, a free, online tool that helps executors in their role.

When you are named as executor in a will, the will-writer trusted you to oversee the final administration of his or her estate.  But unless you are an estate attorney, you likely have not had much specific preparation for the role.  By reading this article, you are showing that you are willing to do what it takes to be prepared, so here are some of the best ways to prepare for the executor role.

September 28, 2015
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hile driving in the city to a friend’s party, Jerry and Susan are talking about their plans for the upcoming weekend. All of a sudden, Crunch!  Jerry and Susan hear the unmistakable sound of one car colliding with another.  After making sure neither is injured, both Jerry and Susan gaze at each other wondering what are they supposed to do after the accident.

September 08, 2015
Vice President
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hen someone mentions a bully, typically the fist thought that comes to mind is a classic image of schoolyard bully taunting and tormenting at school, but it stopped when the final school bell rang. A new form of bullying has emerged and it is not on the playground. Today in a world full of technology it is all too easy continue those tactics long after the final bell has sounded.  Now it has transformed to the electronic age called cyber bullying.

September 02, 2015
Vice President
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his week’s blog was written by a guest author Patrick O’Brien who is executive director and co-founder of executor.org, a free, online tool that helps executors in their role.

Most of us do not like to see our parents get older. Nor, for that matter, do we like to talk about aging, death, and end-of-life issues. Despite the discomfort, it is important to talk to your parent about their wishes regarding end-of-life care, funeral arrangements, and after-death estate issues.  The latter is especially important if your parent has named you as executor of their estate. As executor you will be responsible for managing your late parent’s affairs, making sure final bills are paid, inheritances are distributed, real estate is sold, etc.

August 10, 2015
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had and Jason are friends, and Chad asked Jason to borrow his car because Chad does not own his own car. Unfortunately for Chad and unluckily for Jason, Chad causes an accident in Jason’s car, which leads to Jason finding out that his car insurance has lapsed. If only Chad purchased named non-owner coverage, he would have had the coverage for his liability in the accident. This scenario raises a few questions: If you do not own a car, can you still purchase insurance? Who might need to purchase driver or some sort of car insurance? To answer both of those questions; the answer is yes, anyone that will periodically drive someone else’s car, should purchase insurance.

July 06, 2015
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s previously discussed in “Umbrella Insurance Part I: What is Umbrella Insurance?”, the basics of what an umbrella policy is and the relatively low cost to adding one to your insurance policy. An umbrella policy adds additional limits of coverage to your current home, auto, boat, and recreational vehicle policies.  Now, the discussion moves to the topic of if you need an umbrella policy (Spoiler Alert!  The answer is yes) and a handful of the benefits provided by adding the umbrella coverage.

June 29, 2015
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ndependence Day is summer’s biggest event, and it is right around the corner. As the host, there is what seems like a never ending check list of things to buy, prepare, and accomplish. We begin to stockpile on the 4th of July essentials like: hot dogs, hamburgers, sparklers, fireworks, and other USA barbeque themed requisites.

June 22, 2015
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ny teen sees their new driver’s license as the golden ticket to freedom. They are now able to be with their friends without having to beg, plea, and negotiate for rides. Additionally, gone are the days of having to be on the schedules of the person playing taxi driver. Gaining a driver’s license contains a whole set of endless possibilities to a teen. Most of the time, teens are blissfully unaware of how massive the responsibility of driving becomes. 

June 10, 2015
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elematics is a fairly new topic for the majority of consumers. Many people are unaware what telematics is, let alone what it does. Telematics is a device is installed in your vehicle to collect data about your driving habits. The most recognizable example of telematics is Progressive’s Snapshot program. Snapshot is a device you plug into your car and it observes your driving behavior and gives you a discount based on your driving behavior.

June 01, 2015
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hile driving to the store, you accidently hit a child in the crosswalk.  Fortunately, the child only suffers a broken leg. As required by the state you have auto insurance, but is your current coverage adequate to help you out of this unlucky situation?

May 19, 2015
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itting besides my daughter as she started driving down the street, suddenly out a nowhere another vehicle beeped and zoomed by the car yelling “Get off the road slowpoke!” Naturally, my first reaction was to yell back at the rude driver, but my daughter kept her composure and continued to focus on the road.  She proceeded to drive calmly back home I made a point to tell her how proud I was of the way she handled herself. As I sat in the car, listening to the radio in the background I glanced out the window and thought to myself this is only the beginning for my daughter as a newly licensed driver.

April 14, 2015
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ust image it is a gorgeous spring day, your spouse decided to surprise you with an intimate getaway for the long holiday weekend. This trip is requires you and your spouse to travel outside of your home state for the adventurous weekend. One minute you are diving on the highway, with the windows down, and enjoying the radio, and the next minute your car has a tire blowout. The driver does their best to successfully avoid any oncoming traffic, but the car hits concrete dividing barrier. Luckily, no one is seriously injured, but your car is damaged and unsafe to drive.

March 31, 2015
President
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very employer regardless of size should have a plan in place to handle emergency situations just like every family should.  The following are six tips you should think of when putting your plan together

Spring has arrived in Ohio and so has the beginning of tornado season. Several tornados swept through Oklahoma earlier this week and it was reported a gymnastics school was destroyed but there were only minor injuries.

WHY?  A PLAN WAS IN PLACE

February 18, 2015
Vice President
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e have a love affair with our dogs. They are our companions, helpers, and family members. Like people, our pets each have his or her individual personality. If you decide to add a dog to your family, we suggest some research BEFOREHAND. Check with a veterinarian or breeder to get his or her input. Spend time with the dog and get to know its general demeanor before making a final decision. Seriously consider having your dog spayed or neutered early on to reduce aggressive behavior. Once you bring your new pet home, properly socialize and train the dog. Never let your dog outside unless it is confined on a leash or inside a properly fenced area. If you notice your dog exhibiting any vicious or troublesome behavior, seek a professional’s advice immediately.

January 23, 2015
Vice President
W

inter weather in Northeast Ohio is usually some combination of cold, icy, or snowy conditions … and these conditions often require special attention to your property and vehicles.  Every home and business has different needs. We have compiled a short list of 9 Winter Weather Safety Tips to help you consider ways to lessen the risk of damage to your property and possibly even avert a potential disaster. A few minutes of preparation could save you thousands of dollars and maybe even the life of a loved one.

January 16, 2015
D

id you know you have control over a certain part of your insurance premium?  One way to save money is to review the options provided for payment of your premium with your independent insurance professional.

January 06, 2015
Vice President
C

ongratulations on your new car, you deserve it. You also need it to get to work. You have signed more paperwork than there is paper in the world it seems.  Now although you have a beautiful and reliable vehicle that will last for years, you also have a new loan or lease you are responsible to pay over the next 3 to 5 years.

December 19, 2014
Vice President
H

oliday winter travels are often exciting.  We all enjoy seeing decorations and snow formations on trees and homes, as we travel. Sometimes excitement takes another direction. Have you ever encountered a traffic jam on the way to your holiday destination? … Gotten stuck or barely moving in the car for quite awhile? … Looked at your fuel gauge and began to worry you might run out of gas?

Before you set out on your trip, plan ahead. If the unexpected occurs, you can protect yourself and maintain some personal comfort by having a few extra items on hand. Here are a few suggestions:

November 25, 2014
President
W

ishing you prosperity health and happiness on this special day of Thanks.

November 11, 2014
T

hanksgiving traditions are wonderful and over the years have changed dramatically.  From a day of watching parades and leisurely family dinners to a day of running around town shopping before that special gift is gone, however one recent Thanksgiving tradition that I truly enjoy is the Fried Turkey. Frying a turkey can be dangerous if proper precautions are not taken.

November 06, 2014
A

fter many years of hard work Craig, Linda and their two boys had just moved into their dream home in Chesterland, Ohio, a picturesque suburb 15 miles east of Cleveland, a town where the boys could ride their bikes to school, play with their friends in the woods and go sled riding in the winter. Then the unexpected happened, Craig received a frantic call at work from his wife, there had been a horrific explosion and fire at home while she was out and there was nothing left.  Nothing.