Doug Porter - Ohio Insurance Alliance Group

When shopping for auto insurance and you’re looking for the lowest rates make sure that your coverage addresses under insured and uninsured motorist coverage ...if not and something happens you could find yourself in a major predicament as it estimated that 54% of people don’t have insurance.... specifically they obtain insurance and once they have their license and tags they don’t pay another premium.... so making sure you’re covered in all situations is very important

Who doesn’t want to save money? Bows a great time to what offers are available with 12+ vendors to shop... lots of options

Have a great weekend

Did you know that your credit score affects your insurance premiums?

If you’re shopping for insurance .....regardless of who you go with ....just remember when you’re given a quote timing is critical .. So make sure you do your shopping within a short timeframe .... specifically if you wait nine weeks, which is what just happened that value will most likely not be the same.... doesn’t mean you won’t save money.... and it’s not to say you shouldn’t shop .....just know you need to do all of your shopping within a finite timeframe...

Do you have any questions feel free to call or text Doug 513-379-9632


Here are some of the basic types of home insurance in most states:

HO-1: A bare-bones policy that has been discontinued in most states because home owners generally demand a broader range of coverage. HO-1 insurance covers your property against 10 common hazards, but if damage is caused by a hazard not specifically named by the policy, you may not be covered.
HO-2: This broadens the number of hazards covered to 16, but like the HO-1 policy this is a "named perils" policy, meaning if the cause of the damage is not specifically identified in the policy you are not covered.
HO-3: This type of policy is popular because it provides broader coverage than the two listed above. The HO-3 policy covers your home against all hazards unless they are specifically excluded. However, the contents of the home are only covered against hazards specifically listed in the policy.
HO-5: Designed to provide very broad coverage of both your home and its contents, an HO-5 policy protects both against all hazards except those specifically excluded by the policy.
HO-6: Commonly known as condo insurance or town home insurance, HO-6 policies protect owners of condominiums for damage to the portion of the property they own, as opposed to common areas of the property. It is a named perils policy and so only covers hazards specifically identified in the contract.
HO-08: Properties such as older homes couuld cost more to rebuild than they are worth on the market, and thus would be extremely expensive to insure. An HO-8 policy allows home owners to insure against 10 common hazards, but only to the extent of the home's market value.

If you’re interested in getting a quote please don’t hesitate to text or call me at 379-9632