http://www.columbusinsurancemarket.com/blog/View Columbus Insurance Market's Website Blogen-uspostmaster@www.columbusinsurancemarket.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:1a80c5de-c2f3-40a7-9cf5-09d7b827c58durn:uuid:76d69797-0adf-4011-b56b-29190941dd6e<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/ohio%20home%20and%20auto%20insurance%20quote.png' align='left' /> 2011 destructive weather which included tornadoes, floods and hurricanes means that the cost of&nbsp; your homeowners insurance in Ohio is likely continue to climb. The price of home insurance has b...Wed, 01 Feb 2012 16:51:32 -0600<table width="581" height="428"> <tbody> <tr> <td>2011 destructive weather which included tornadoes, floods and hurricanes means that the cost of&nbsp; your <a href="http://www.columbusinsurancemarket.com/homeowners/default.aspx">homeowners insurance in Ohio</a> is likely continue to climb.<br /> <br /> The price of <strong>home insurance</strong> has been increasing even before the storms in 2011. Prices have been increasing steadily for over three years now.&nbsp; <br /> <br /> You see, insurance companies are forbidden to increase rates to recoup past losses.&nbsp; However they have to base rates on the predicted future losses they expect, and a insurance company can use the data from losses in the past to determine the current rates.<br /> <br /> We are already seeing increased rates from most carriers.&nbsp; Which could result in you seeing a few dollars difference in you monthly bill.<br /> </td> <td><a href="http://www.columbusinsurancemarket.com/automobile/Columbus_Ohio_Home_and_Auto_Insurance_Quote_Online.aspx"><img alt="" width="209" height="186" style="border-width: 0px; border-style: solid;" src="/img/%7Ewww.columbusinsurancemarket.com/ohio%20home%20and%20auto%20insurance%20quote.png" /></a><br /> <br /> <br /> <span style="font-family: garamond;">&nbsp;<strong>&nbsp; Average rate increase in 2012</strong></span><br /> <br /> <img src="/img/%7Ewww.columbusinsurancemarket.com/rate%20increase%20ohio%20homeowners%202012.jpg" style="width: 198px; height: 119px;" alt="rate increase for ohio home insuracne in 2012" longdesc="rate increase for ohio home insuracne in 2012" /><br /> </td> </tr> </tbody> </table> The average <strong>Ohio homeowners insurance policy</strong> cost $666 in 2010. Ohio has the sixth-lowest figure in the nation, according to the Ohio Insurance Institute. So Ohio insureds should feel lucky about that.<br /> <br /> Ohio Insurance Department data show that home insurance cost were increased by the top 10 insurance companies, in Ohio they jumped 8.7 percent in 2010, 9.7 percent in 2009 and 7.1 percent in 2008.<br /> <div style="text-align: right;"><br /> </div> State Auto Financial a local <a href="http://www.columbusinsurancemarket.com/category.aspx?id=MISC4">Columbus insurance company</a> has been one of the worst hit company with losses, not only in Ohio, but throughout the entire country.<br /> <br /> 2011 was one of the worst in terms of insurance claims since Katrina. This should tell you how much money was paid out in claims.&nbsp;&nbsp; 2011 catastrophic tornadoes, floods and hurricanes means that the cost of insuring your home in 2012 will continue to climb.<br /> <br /> The only suggestion we have is to shop around and see who is going to have the best rates for you in 2012.&nbsp; Call us is and we can work up some quotes for you.<br /> <br /> 614 560 7875urn:uuid:5ffc5852-530e-44a2-bdb7-65702b241576<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/med%20logo.jpg' align='left' />The Columbus Insurance Market is pleased to announce our newest Columbus Ohio location at 1515 Bethel Rd. Suite 105 Columbus, Ohio 43220.&nbsp; Attached is a link with driving directions to the new location. Driving Directions Location Map Wed, 11 Jan 2012 13:09:02 -0600The Columbus Insurance Market is pleased to announce our newest Columbus Ohio location at 1515 Bethel Rd. Suite 105 Columbus, Ohio 43220.&nbsp; <br /> <br /> Attached is a link with driving directions to the new location.<br /> <br /> <a href="http://www.columbusinsurancemarket.com/locations/oh/columbus/columbus_insurance_market_brianna_baiocco.aspx"> Driving Directions</a><br /> <br /> <a>Location Map</a><br /> <br /> <img longdesc="1515 Bethel Rd suite 105 Columbus OH 43220" alt="1515 Bethel Rd suite 105 Columbus OH 43220" src="/img/%7Ewww.columbusinsurancemarket.com/med%20logo.jpg" /><br />urn:uuid:4b58481f-fe67-44e0-967d-3bd28e0d6d2cA summer filled with catastrophe from hurricanes to tropical storms hammers Travelers Q3. The Travelers Insurance Companies says third-quarter net income dropped 67 percent primarily on weather-related catastrophe claims that have rocked the insuran...Wed, 19 Oct 2011 15:53:08 -0500<p>A summer filled with catastrophe from hurricanes to tropical storms hammers Travelers Q3.<br /> <br /> The <a href="http://www.columbusinsurancemarket.com/financial_services/travelers_insurance_Ohio_agent.aspx">Travelers Insurance</a> Companies says third-quarter net income dropped 67 percent primarily on weather-related catastrophe claims that have rocked the insurance industry.</p> <p>Travelers says net income dropped $672 million to $333 million in the third quarter compared to last year, which translated into net income per share of 79 cents, down $1.32 cents a share. Total revenues were down 1 percent, or $75 million, to $6.4 billion. Net premium written for the quarter rose 4 percent, or $210 million, to $5.7 billion.</p> <p>Q3 resulted in an increase in cat losses of $489 million, to $606 million pre-tax.</p> <p>Cat losses drove Travelers Q3 combined ratio up 13.9 points to 104.5 vs 90.6 for lat Q3.<br /> <br /> Combine ratio consists of how much premium a insurance company takes in vs. how much they pay out.&nbsp; Anything over 100 on a combined ratio means the company is losing money.<br /> <br /> Even with the huge losses we have seen in the property and casualty industry this year <a href="http://www.columbusinsurancemarket.com/financial_services/travelers_insurance_Ohio_agent.aspx">Travelers Ohio</a> rates have remained inline with the other Ohio insurance company we compete against.<br /> <br /> <br /> </p>urn:uuid:66f00da8-7242-4ba5-978c-a0131b3c3bb8<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/ohiostormchasers.jpg' align='left' />The Ohio Insurance Institute has been warning Ohio resident about the danger of using stormchasers.&nbsp; We would like to pass this information on to our Columbus Ohio insureds as well, this is good information about selecting the right repair contr...Tue, 16 Aug 2011 17:05:24 -0500The Ohio Insurance Institute has been warning Ohio resident about the danger of using stormchasers.&nbsp; We would like to pass this information on to our Columbus Ohio insureds as well, this is good information about selecting the right repair contractors.<br /> <br /> <div style="text-align: center;"><img src="/img/%7Ewww.columbusinsurancemarket.com/ohiostormchasers.jpg" alt="columbus ohio insurance claim" longdesc="columbus ohio insurance claim stormchaser" /><br /> </div> <br /> <span style="font-size: 13px;"><em>COLUMBUS&ndash;Spring and summer storms, some including damaging wind and hail, are attracting more than just routine home repairs in northeast Ohio. The <a href="http://ohioinsurance.org/newsroom/newsroom_full.asp?id=670">Ohio Insurance Institute</a> (OII) is joining forces with the Better Business Bureaus of Akron and Canton to warn area residents of door-to-door roofer solicitors urging homeowners to sign contracts for repairs that may not be covered by insurance.<br /> <br /> &ldquo;Disasters have been known to attract out-of-state &ldquo;stormchasers&rdquo; who offer quick-fix repairs for cash or leaving customers with shoddy or incomplete work. But now we&rsquo;re hearing of at least one local roofing contractor who&rsquo;s canvassing Canton and Akron area neighborhoods offering to inspect and repair roofs, often insisting homeowners sign contracts,&rdquo; said Daniel J. Kelso, OII president. &ldquo;The problem is that homeowners may be forced into repairs before they&rsquo;ve even filed an insurance claim. Since they&rsquo;ve signed contracts, they may be responsible to honor them without fully understanding their potential liability.&rdquo;<br /> <br /> Akron Better Business Bureau (BBB) President Vic Wlaszyn adds, &ldquo;Our experience shows that some of these contractors are not accredited by the local BBB and lack substantial work references. Some fail to carry Ohio Workers Comp insurance or proper licensing. Should one of these workers injure themselves while working on your home, you may be liable for covering their medical bills and additional legal action taken by the injured party.&rdquo;<br /> <br /> OII also warns homeowners about signing any repair contracts prior to contacting their insurance company or agent to guide them through the claims process.<br /> <br /> &ldquo;There are cases where outside contractors illegally cross the line by stepping into the role of public insurance adjusters, which requires licensing through the Ohio Department of Insurance,&rdquo; he explains. &ldquo;This could lead to the homeowner paying more of the repairs than originally anticipated.&rdquo;<br /> <br /> Frank Cilona, President of the Canton Better Business Bureau, also cautions homeowners about false repair promises.<br /> <br /> &ldquo;Your repairs may not necessarily equate to a new roof or complete home re-siding as you may be lead to believe,&rdquo; he said. &ldquo;There are times when damage is due to maintenance issues and not storms which means you&rsquo;re responsible for repairs, not your insurer. If you have a legitimate claim, we advise to never sign a contract without contacting your insurance company first. You may end up losing your right to representation along with paying for repairs out of pocket.&rdquo;<br /> <br /> Both Better Business Bureau leaders caution local area contractors about selling their company name to outside contractors. Potential future claims regarding incomplete repair or poor workmanship against the out-of-area company ultimately become the responsibility of the local firm, and could end up affecting the company&rsquo;s reputation and bottom line.<br /> <br /> OII adds that the homeowner ultimately decides who completes their repairs and shouldn&rsquo;t feel pressured to do so. Local BBBs and insurers are ideal sources for reputable and reliable contractor leads, along with referrals from families and friends.<br /> <br /> To protect against the possibility of dishonest contractors, the organizations offer the following tips:<br /> &bull;&nbsp; Never feel forced or coerced into signing a contract. Some may be incomplete which could be altered upon signing. <br /> &bull;&nbsp; Don&rsquo;t allow a contractor to serve as a negotiator with your insurer. Should you allow a contractor to negotiate on your behalf, the claim may be over-inflated or the damage may be nonexistent. Insurers aren&rsquo;t obligated to cover false or over-inflated claims.<br /> &bull;&nbsp; Be wary of door-to-door solicitations, fliers or telemarketing calls regarding repair work. The homeowner should take the lead role in selecting contractors to handle repairs. Don&rsquo;t be guided by potentially false or fraudulent marketing tactics that often arise following a local wind or hail storm.<br /> &bull;&nbsp; Ask for references and check them. The Better Business Bureaus of Akron and Canton can serve as additional points of reference with online guides to reputable local businesses for repair services. <br /> &bull;&nbsp; Watch for padded repair estimates. This is especially true if the repair estimator asks you for the amount of your homeowners insurance deductible. There is no such thing as a &ldquo;free deductible.&rdquo; Often these end up being built into the repair estimate.<br /> &bull;&nbsp; Obtain all information in writing including cost, work to be completed and payment schedules. Make sure that the roofing materials used in the estimate are the same as the ones used in repairs.<br /> &bull;&nbsp; Obtain more than one estimate. Don&rsquo;t be bullied into signing the first contract that&rsquo;s presented to you.<br /> &bull;&nbsp; Ask for the contractor&rsquo;s drivers license and insurance credentials. Keep a record of the license along with a vehicle description and license plate number. Some contractors come into disaster areas from out of state. Make sure they&rsquo;re licensed or bonded. <br /> &bull;&nbsp; Don&rsquo;t pay for the repairs or sign a certificate of completion until all work has been completed. <br /> &bull;&nbsp; Don&rsquo;t be tempted to conspire in a fraudulent insurance claim. Disasters often heighten the opportunity for insurance fraud and abuse. Also, be aware that insurance fraud is a felony and coverage may be voided if policyholder intentional misrepresentation is discovered.</em></span><br /> <br /> <br /> For a list of local Columbus Ohio contractors we refer please feel free to contact our <a href="http://www.columbusinsurancemarket.com/contact.aspx">Columbus insurance agency</a> any time.urn:uuid:3d52d550-ac67-48c8-92f5-e6a63414ca64<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/Ohiostateminimumliablitylimits.jpg' align='left' />Basic limits also know as state minimum liability limits are never the best option.&nbsp; Basic limits give an insured the lowest limits of liability that can be purchased by a policy holder - it's the minimum allowed by the Ohio state law. The basic...Mon, 20 Jun 2011 17:30:13 -0500Basic limits also know as state minimum liability limits are never the best option.&nbsp; Basic limits give an insured the lowest limits of liability that can be purchased by a policy holder - it's the minimum allowed by the Ohio state law. The basic limits are the ones in which the base rates are developed.&nbsp; <br /> <br /> We always recommend higher than the <a href="http://www.columbusinsurancemarket.com">state minimum auto coverage</a>.&nbsp; The <strong>state minimum auto limits in Ohio</strong> are 12,500/25,000/7,500.&nbsp; This only gives you $12,500 to any one person you may cause bodily injury to in an auto accident.&nbsp; One trip to the ER can cost much more than the <a href="http://www.columbusinsurancemarket.com">Ohio state minimum coverage</a> amount.&nbsp; When you think you might be able to save a few bucks by just squeaking by, you better think again. <br /> <br /> <img longdesc="Ohio auto state minimum liablity limits" alt="Ohio auto state minimum liablity limits" src="/img/%7Ewww.columbusinsurancemarket.com/Ohiostateminimumliablitylimits.jpg" /><br /> <br /> Ohio State state law only mandates that you carry $7,500 in property damage liability.&nbsp; If you run a red light, and total a brand new Mercedes Benz, do you think $7,500 will coverage the damages?&nbsp; Don't think so.&nbsp; While you think you may be saving by purchasing state minimum coverage you better think again. One accident could have you paying for the rest of your life by not having the correct liability limits.<br /> <br /> To increase your limits of liability on an auto policy it only cost pennies on the dollar. So make sure you know what your buying.&nbsp; Let us shop for you and we can show you how to save....<br /> <br /> &nbsp;urn:uuid:f198d031-5cb9-45b1-91e3-17621e41328c PHILADELPHIA (AP) &mdash; A Philadelphia woman is suing Dunkin' Donuts, saying a worker mistakenly put sugar in her coffee, which ultimately caused her to go into diabetic shock. Danielle Jordan's lawsuit claims she asked for artificial sweetener t...Tue, 07 Jun 2011 16:11:58 -0500<div class="yom-mod yom-art-content" id="yui_3_3_0_1_130747881235126"> <div class="bd" id="yui_3_3_0_1_130747881235125"> <p id="yui_3_3_0_1_130747881235149">PHILADELPHIA (AP) &mdash; A Philadelphia woman is suing Dunkin' Donuts, saying a worker mistakenly put sugar in her coffee, which ultimately caused her to go into diabetic shock.</p> <p id="yui_3_3_0_1_130747881235140">Danielle Jordan's lawsuit claims she asked for artificial sweetener to be added to her coffee during a June 2009 visit. Jordan claims she downed the drink and experienced dizziness, light-headedness and ended up making an emergency trip to the hospital.</p> <p id="yui_3_3_0_1_130747881235137">A legal liaison for the Canton, Mass.-based doughnut chain told the Philadelphia Daily News she couldn't comment on the case. But she says employees only provide customers with the order they ask for.</p> <p id="yui_3_3_0_1_1307478812351205">Jordan's lawyer, Kenneth Rodgers, says his client couldn't tell from the taste of the coffee that she got sugar instead of her preferred artificial sweetener. He says she didn't finish the drink before she fell ill.</p> <p id="yui_3_3_0_1_1307478812351208">The lawsuit seeks unspecified damages.</p> <p id="yui_3_3_0_1_1307478812351211">___</p> <p id="yui_3_3_0_1_130747881235124">Information from: Philadelphia Daily News, <a href="http://www.philly.com">http://www.philly.com</a><br /> <br /> </p> <div style="text-align: center;"><img src="/img/%7Ewww.columbusinsurancemarket.com/restaurant_insurance.jpeg" alt="Ohio Restaurant insurance quote" longdesc="Ohio Restaurant insurance quote" /><br /> </div> <p id="yui_3_3_0_1_130747881235124">The Columbus Insurance Market writes <a href="http://www.columbusinsurancemarket.com/restaurant/default.aspx">restaurant insurance in Ohio</a> on a daily basis. As an insurance agency we know that these types of law suits are bound to happen.&nbsp; Our insurance agency recommends having the proper <a href="http://www.columbusinsurancemarket.com/restaurant/default.aspx">restaurant general liability insurance</a> to cover your business in a law suit like this Dunkin Donuts is facing.&nbsp; You never know when something like this can happen. If you would like a free review of your restaurant insurance don't hesitate to ask.<br /> <br /> <br /> </p> </div> </div>urn:uuid:43393d15-a23d-4589-a685-3070c25c82b0<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/Screen%20shot%202011-05-11%20at%2010.37.33%20AM.png' align='left' />Here is a great picture from yahoo.com of the flooding in Mississippi. We wanted to remind you that in Ohio flood is excluded from a homeowners policy.&nbsp; Flood insurance must be purchased separately from your Ohio homeowners insurance policy....Wed, 11 May 2011 09:51:01 -0500Here is a great picture from yahoo.com of the flooding in Mississippi. <br /> <br /> <img longdesc="Ohio flood insurance quotes - Columbus OH" style="width: 567px; height: 254px;" alt="Ohio flood insurance quotes - Columbus OH" src="/img/%7Ewww.columbusinsurancemarket.com/Screen%20shot%202011-05-11%20at%2010.37.33%20AM.png" /><br /> <br /> We wanted to remind you that in Ohio flood is excluded from a <a href="http://www.columbusinsurancemarket.com/default.aspx">homeowners policy</a>.&nbsp; Flood insurance must be purchased separately from your <a href="http://www.columbusinsurancemarket.com/default.aspx">Ohio homeowners insurance policy</a>. <br /> <br /> If you would like a <strong>flood insurance quote in Ohio</strong> feel free to call us at 614 560 7875.urn:uuid:052e4829-7f23-4792-b5fd-459e408ce9daParts of Ohio have seen the worst April showers in recent history.&nbsp; I know personally in Columbus Ohio we have seen many days of rain in April, along with severe thunderstorms that have caused many lengthy power outages.&nbsp;Some weather-relate...Mon, 09 May 2011 18:37:01 -0500Parts of Ohio have seen the worst April showers in recent history.&nbsp; I know personally in Columbus Ohio we have seen many days of rain in April, along with severe thunderstorms that have caused many lengthy power outages.&nbsp;Some weather-related damages are covered under a standard <a href="http://www.columbusinsurancemarket.com/homeowners/default.aspx">Ohio homeowners insurance policy</a> and <a href="http://www.columbusinsurancemarket.com/renters/default.aspx">Ohio renters insurance policy</a>. <br /> <br /> When it comes to <strong>food spoilage homeowners insurance</strong> policies differ, but food spoilage is normally excluded if the cause of loss is an off-premises power outage (downed power lines, etc.). Some insurers offer a "refrigerated property coverage" endorsement that provides coverage - typically up to $500 - for frozen/refrigerated items due to loss of power.<br /> <br /> <br /> Our <a href="http://maps.google.com/maps/place?cid=3129304125918188487&amp;q=brianna+baiocco+columbus+insurance+market&amp;hl=en&amp;dtab=0&amp;sll=40.049113,-83.10567&amp;sspn=0.008694,0.077422&amp;ie=UTF8&amp;ll=40.093963,-83.186245&amp;spn=0,0&amp;z=13">Columbus Ohio insurance agency</a> specializes in Columbus OH homeowners, auto, and business insurance. We are here to help! Call us 614 859 4685 <br /> &nbsp;urn:uuid:417d3b75-2f8b-4df0-96c8-dc861d6d79a5<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/Screen%20shot%202011-04-25%20at%205.31.38%20PM.png' align='left' />It's reported winds from the massive tornado hit up to 166 mph in St. Louis on Friday, leaving thousands of damaged homes. It was the strongest tornado in more than 40 years in St. Louis County, says the National Weather Service. This is why you h...Mon, 25 Apr 2011 16:38:32 -0500<p>It's reported winds from the massive tornado hit up to 166 mph in St. Louis on Friday, leaving thousands of damaged homes.</p> <p>It was the strongest tornado in more than 40 years in St. Louis County, says the National Weather Service.<br /> <br /> <img src="/img/%7Ewww.columbusinsurancemarket.com/Screen%20shot%202011-04-25%20at%205.31.38%20PM.png" alt="Windstorm insurance columbus ohio" longdesc="Windstorm insurance columbus ohio" /><br /> <br /> This is why you have <a href="http://www.columbusinsurancemarket.com/homeowners/default.aspx">homeowners insurance</a>! Imagine If you don't have right coverage in place to rebuild in a case like this.&nbsp; It can happen to any of us when we least expect it. &nbsp;</p>urn:uuid:ff076b1e-d7c8-4203-b617-f1b5e6842df1<img src='http://www.columbusinsurancemarket.com/img/Library/Carriers/hartfordlivestocklogo.jpg' align='left' /> Glad to say we have a new Ohio business insurance program from the Hartford for Equipment suppliers to get insurance with a simple single insurance policy.&nbsp; Check out the Hartford's press release below to find out more about the program works.....Fri, 22 Apr 2011 13:33:07 -0500<p> Glad to say we have a new <a href="http://www.columbusinsurancemarket.com/business/default.aspx">Ohio business insurance</a> program from the Hartford for <strong>Equipment suppliers to get insurance</strong> with a simple single insurance policy.&nbsp; Check out the Hartford's press release below to find out more about the program works.... <em><br /> </em></p> <p><em><a href="http://www.columbusinsurancemarket.com"><img src="/img/Library/Carriers/hartfordlivestocklogo.jpg" style="border-width: 0px; border-style: solid;" alt="local ohio hartford agent" longdesc="local ohio hartford agent" /></a><br /> </em></p> <p><em>Insurer offers flexible marine policy for broad range of risks</em> </p> <p> <em>HARTFORD, Conn.--(<a href="http://ir.thehartford.com/releasedetail.cfm?ReleaseID=528611">BUSINESS WIRE</a>)-- Equipment suppliers often have protection needs that extend beyond the scope of a traditional property policy. Whether a business rents tents and tables for special events, sells industrial machinery or leases high value medical equipment, protecting the equipment while it is in the company's possession or in use by a customer is vital to the business's operation. </em></p> <p><em> To help address these customers' need for specialized coverage, <a href="http://ir.thehartford.com/releasedetail.cfm?ReleaseID=528611">The Hartford Financial Services Group, Inc</a>. now offers Equipment Rental &amp; Sales Choice^SM,a robust, flexible marine policy that provides comprehensive property protection for a broad array of equipment suppliers. The policy brings together several different types of coverage typically offered in separate marine policies. </em></p> <p><em> "Having the right type of equipment in customer-ready condition is critical to equipment rental and sales companies," said Alexander McGinley, assistant vice president and marine underwriting officer at The Hartford. "Their business depends on their ability to recover quickly if their equipment is lost, damaged or destroyed." </em></p> <p><em> According to McGinley, Equipment Rental &amp; Sales Choice was developed in direct response to feedback about specific customer needs and is designed to address virtually any type of equipment whether it is rented, owned or away on exhibit. It also provides coverage for businesses that perform maintenance of their customers' equipment, which is becoming increasingly common as an additional revenue source. </em></p> <p><em> Key policy features include: </em></p> <ul> <li class="bwlistitemmargb"><em> A broad definition of covered property that includes nearly all types of equipment and tools ranging from flatware and serving items to large contractors' equipment. </em></li> <li class="bwlistitemmargb"><em> Broad all-risk coverage that includes flood, earthquake and voluntary parting with covered property. </em></li> <li class="bwlistitemmargb"><em> Coverage for property that is not tied to specific premises, including property during transit and in storage, or on display in a showroom or at another type of exhibition. </em></li> <li class="bwlistitemmargb"><em> Property that is leased or rented from others, including property that is re-leased or re-rented to a customer. </em></li> <li class="bwlistitemmargb"><em> Property in the care, custody and control of the insured during repair, maintenance or another capacity while the insured is acting as a bailee. </em></li> <li class="bwlistitemmargb"><em> Potential coverage for losses resulting from conversion of property for a use other than what was authorized in a rental agreement. </em></li> <li class="bwlistitemmargb"><em> The flexibility to customize coverage, limits and deductibles. </em></li> </ul> <p><em> "Agents and customers had asked for a single policy that could address all of their equipment protection needs," said McGinley. "We designed this policy to offer maximum flexibility from a coverage and rating standpoint." </em></p> <p><em> The Hartford's Equipment Rental &amp; Sales Choice is available as both a stand-alone policy and to customers of the company's multi-line programs for equipment rental and sales businesses. </em></p> <p><em> "We're pleased to offer this enhanced policy to our program customers, who will benefit from the comprehensive protection this marine coverage provides," said Deborah Bibbins, vice president of The Hartford's Captive &amp; Specialty Programs business. </em></p> <p><em> The Hartford has been providing marine insurance for 200 years. The company has&nbsp;a broad appetite&nbsp;and the ability to write higher-hazard exposures. The Hartford also has unique capabilities&nbsp;to create captive and specialty program arrangements for specific industries. </em></p> <p><em> To learn more about The Hartford's Equipment Rental &amp; Sales Choice policy or The Hartford's marine capabilities, visit <a href="http://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.thehartford.com%2Finfo%2Fmarine&amp;esheet=6504681&amp;lan=en-US&amp;anchor=www.thehartford.com%2Finfo%2Fmarine&amp;index=2&amp;md5=cadece446d5a80aa1e911580c68c5961">www.thehartford.com/info/marine</a> or speak with a <a href="http://www.columbusinsurancemarket.com">local Ohio Hartford insurance agent</a>. <br /> </em></p> <p> </p> <p>If you are looking for more information or a quote give our <strong>Columbus Ohio insurance agency</strong> a call.&nbsp; 614 560 7875....<em><br /> </em> </p> <p><em><br /> </em></p>urn:uuid:e15a0651-a951-4fc9-99f9-9dc529821ef6<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/freehomeownerinsurancereview.jpg' align='left' />Ohio insurance institute reports on Ohio's February storms.... Late February storms cause over $68.9 million in Ohio insurance claims A late February deluge that brought several inches of rain to parts of Ohio and significant flood, wind and water...Mon, 18 Apr 2011 12:59:58 -0500Ohio insurance institute reports on Ohio's February storms....<br /> <br /> <a href="http://www.columbusinsurancemarket.com/contact.aspx"><img style="border-width: 0px; border-style: solid;" src="/img/%7Ewww.columbusinsurancemarket.com/freehomeownerinsurancereview.jpg" alt="Ohio homeowners policy increase" longdesc="Ohio homeowners policy increase" /></a><br /> <em>Late February storms cause over $68.9 million in Ohio insurance claims<br /> </em><br /> <em>A late February deluge that brought several inches of rain to parts of Ohio and significant flood, wind and water-related losses caused at least $68.9 million in insured losses, according to the <a href="http://ohioinsurance.org/newsroom/newsroom_full.asp?id=646">Ohio Insurance Institute (OII)</a>. Nearly 15,900 claims have been filed to-date across the state. Preliminary loss estimates, which don&rsquo;t include flood insurance-related losses, are expected to rise over the next few months as additional property damage is detected.<br /> </em><br /> <em>About this storm<br /> Heavy rains and thunderstorms moved across Ohio overnight on February 27-28 as 3-4 inches of rain accumulated over a 24-hour period in already saturated areas across northern Ohio. This system exited the state and a second wave of precipitation moved through southern Ohio. Warm temperatures, heavy snow pack and snow melt resulted in moderate to major flooding in parts of the state. According to the Ohio Emergency Management Agency near-record flooding was recorded on the Cuyahoga River at Independence along with major flooding on the Scioto River at Larue and Prospect. At one point, flood warnings were in effect for 47 of Ohio&rsquo;s 88 counties.<br /> <br /> <br /> </em>Storms like this are the reason that <strong>Ohio home insurance</strong> premiums have been on the rise since 2009.&nbsp; We have seen <strong>Ohio homeowners rate increases</strong> over the past few years.&nbsp; This is why it makes more important than ever to take a look at your current rate and to shop your <a href="http://www.columbusinsurancemarket.com/homeowners/default.aspx">Ohio homeowners insurance</a>.<br />urn:uuid:60a699e4-647d-44d4-b4e6-53971d4b00fe<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/columbusohioonlinehomeandautoquote.jpg' align='left' />COMPREHENSIVE COVERAGE Comprehensive auto insurance coverage is a portion of an auto insurance policy that covers damage to the policyholder&rsquo;s car not involving a collision with another car (including damage from fire, explosions, earthquakes,...Mon, 21 Mar 2011 19:13:43 -0500<strong>COMPREHENSIVE COVERAGE</strong><br /> <br /> <strong>Comprehensive auto insurance coverage</strong> is a portion of an <a href="http://www.columbusinsurancemarket.com/automobile/default.aspx">auto insurance policy</a> that covers damage to the policyholder&rsquo;s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, wind, hail, riots, and theft.)<br /> <br /> Typically an insurance company will not increase your premium for a single comprehensive claim like they would from a collision claim.&nbsp; All companies have different underwriting guidelines so check with your carrier to find out.<br /> <br /> Though comprehensive insurance may be optional, it can be required by your lender if you have a loan. People who have newer cars but might not have a loan may still want to purchase comprehensive coverage to protect their investment. <br /> <br /> An example when comprehensive coverage may be used is if your car is damaged by hail, someone keys your car, or maybe you hit a deer.&nbsp; These would all be covered under your comprehensive coverage minus your deductible.<br /> <br /> <br /> <div style="text-align: center;"><a href="http://www.columbusinsurancemarket.com/automobile/Columbus_Ohio_Home_and_Auto_Insurance_Quote_Online.aspx"><img style="border-width: 0px; border-style: solid;" src="/img/%7Ewww.columbusinsurancemarket.com/columbusohioonlinehomeandautoquote.jpg" alt="columbus ohio comprehensive auto insurance coverage" longdesc="columbus ohio comprehensive" /></a><br /> <br /> The Columbus Insurance Market offers Columbus Ohio Auto Insurance. <br /> </div>urn:uuid:b723756b-5819-47c3-831b-72e555556c3b<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/bodilyinjurycolumbusohio.jpg' align='left' />BODILY INJURY LIABILITY COVERAGE IS- Also Know as BI A Portion of an auto insurance policy that covers injuries the policyholder causes to someone else. In the case of car insurance, bodily injury coverage will pay medical expenses for people who ar...Thu, 03 Feb 2011 18:13:45 -0600<strong>BODILY INJURY LIABILITY COVERAGE</strong> IS- Also Know as BI<br /> <br /> A Portion of an <a href="http://www.columbusinsurancemarket.com/automobile/default.aspx">auto insurance policy</a> that covers injuries the policyholder causes to someone else. In the case of <a href="http://www.columbusinsurancemarket.com/category.aspx?id=MISC15">car insurance</a>, bodily injury coverage will pay medical expenses for people who are injured by the driver named in the insurance policy.<br /> <br /> <img longdesc="columbus ohio bodily injury coverage auto insurance" alt="columbus ohio bodily injury " src="/img/%7Ewww.columbusinsurancemarket.com/bodilyinjurycolumbusohio.jpg" /><br /> <br /> <br /> Most auto insurance policy offer a split limit option on the bodily injury coverage. An example would be 100/300 which would mean $100,000 limit per person over $300,000 total limit per accident.&nbsp; In this case their could be three people injured in one accident and they could only be paid maximum $100,000 each for their injuries.<br /> <br /> There are also combined single limits that offer just one total liability limit like say $300,000.&nbsp; This means there is no limit per person injured in one accident there is only the $300,000 total limit for anyone you may cause bodily injury to in an accident. &nbsp;&nbsp;urn:uuid:099c6511-931d-4d90-84df-50528c0d2b4f<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/collisioninsurancecolumbus.jpg' align='left' />How does collision insurance coverage work on your auto insurance policy? This seems to be a common question form our potential policy holders.&nbsp; COLLISION COVERAGE It's a portion of an auto insurance policy that covers the damage to the policy...Tue, 11 Jan 2011 16:12:29 -0600How does <strong>collision insurance</strong> coverage work on your auto insurance policy? This seems to be a common question form our potential policy holders.&nbsp; <br /> <br /> <em><strong>COLLISION COVERAGE</strong></em><br /> It's a portion of an <a href="http://www.columbusinsurancemarket.com/automobile/default.aspx">auto insurance policy</a> that covers the damage to the policyholder&rsquo;s car from a collision. <br /> <br /> <img alt="colllision insurancee columbus ohio" src="/img/%7Ewww.columbusinsurancemarket.com/collisioninsurancecolumbus.jpg" /><br /> <br /> <div style="text-align: left;"><strong>Collision insurance</strong> is usually considered an optional insurance, and this is why the question of "<strong>Should I buy collision insurance on my car</strong>?" comes up often.&nbsp; If you have a loan on your car your lender will make you carry collision coverage as part of your <a href="http://www.columbusinsurancemarket.com/category.aspx?id=MISC15">car insurance</a>. If you want lower premiums you can always go without collision coverage all together. Remember if you <em>do not</em> have collision coverage and you get in to an at fault accident, then your car would not be repaired by your insurance company. If you just don't think you can afford collision coverage, you can also ask you agent about carrying a higher collision deductible to keep your premiums down. <br /> </div> <br /> Your <strong>collision coverage</strong> will fix your car after your deductible has been met and will give you the actual cash value minus the deductible of the car in the event of a total loss.<br /> <br /> We recommend if your car is over $2500 in value you might want to opt for the collision coverage depending on the premium and cost of the collision coverage part of your car insurance policy.&nbsp; <br /> <br /> Common Collision deductibles are $50, $250, $500, and $1000.urn:uuid:bca83939-4be5-4550-b3bc-311ea7251fb4<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/property%20damage%20columbus%20ohio.jpg' align='left' />Auto insurance property damage liability covers an accident where you were at fault and caused damage to someone else's property.&nbsp; Make sure you check your auto insurance policy for your coverage limits to make sure you have enough coverage.&nbs...Thu, 06 Jan 2011 16:01:58 -0600Auto insurance <em>property damage liability</em> covers an accident where you were at fault and caused damage to someone else's property.&nbsp; Make sure you check your <a href="http://www.columbusinsurancemarket.com/automobile/default.aspx">auto insurance policy</a> for your coverage limits to make sure you have enough coverage.&nbsp; <br /> <div style="text-align: center;"><br /> </div> <div style="text-align: center;"><em>When would your auto policy pay out property damage?</em> Let me give you an example. <br /> <br /> <img longdesc="Columbus Ohio Property damage Coverage auto insurance" alt="Columbus Ohio Property damage Coverage auto insurance" src="/img/%7Ewww.columbusinsurancemarket.com/property%20damage%20columbus%20ohio.jpg" /><br /> <br /> </div> <br /> Lets say you run a red light and total a brand new BMW.&nbsp; Lets say it's a $60,000 BMW. You property damage would pay to fix damages to that car. <br /> <br /> What happens if you only have $50,000 limit for auto insurance property damage coverage and the damages to the BMW are $60,000?&nbsp; Well you would be personally responsible for the remaining damages that you caused. So in this case you would have to fork out $10,000 of your own money.<br /> <br /> <em>Lets go with another example</em>.&nbsp; <br /> <br /> Let's say you cause an accident while driving on the highway and you cause a semi to jack knife. Then what?&nbsp; Well, you would not only be responsible for the damages to the truck but also the load he might be carrying. If he is transporting a load&nbsp; of new flat screen televisions then you better make sure you have great property damage limits to cover you in a case like this. If not you could be paying for it for the rest of your life.&nbsp; <br /> <br /> You should know your insurance coverage.&nbsp; If you have a good agent then you should already know how property damage works. If you didn't know, it might be time to call us to discuss your auto insurance coverage.urn:uuid:432da2a7-ac35-407d-bcf5-3d25f7f758e7<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/fire%20insurance%20columbus%20ohio.jpg' align='left' />If my house catches on fire and my car burns while parked in garage, will my homeowners cover it? Then answer is NO! A homeowners policy does not cover anything that is motorized.&nbsp; The only items with a motor to be covered are items used ...Tue, 21 Dec 2010 15:21:51 -0600If my house catches on fire and my car burns while parked in garage, will my homeowners cover it? <br /> <br /> Then answer is <strong>NO</strong>! <br /> <br /> <div style="text-align: left;"><img longdesc="Ohio homeowners insurance policy" alt="Ohio homeowners insurance policy" src="/img/%7Ewww.columbusinsurancemarket.com/fire%20insurance%20columbus%20ohio.jpg" /><br /> </div> <br /> A <a href="http://www.columbusinsurancemarket.com/homeowners/default.aspx">homeowners policy</a> does not cover anything that is motorized.&nbsp; The only items with a motor to be covered are items used to service the property or items used to assist the handicapped. Endorsements can be purchased to cover <a href="http://www.columbusinsurancemarket.com/boat/default.aspx">watercraft</a> and other <a href="http://www.columbusinsurancemarket.com/rv/default.aspx">recreational vehicles</a>.<br /> <br /> As for the burnt up car, it could be covered under your auto policy depending on what coverages you have.&nbsp; Do you know what part of your <a href="http://www.columbusinsurancemarket.com/automobile/default.aspx">Ohio auto insurance policy</a> would cover this type of loss?&nbsp; If you don't know you might want to give us a call. <br /> (614) 560 7875<br /> <br /> <img longdesc="Ohio insurance agency" alt="Ohio insurance agency" src="/img/%7Ewww.columbusinsurancemarket.com/med%20logo.jpg" />urn:uuid:16f26932-344e-4472-961f-8241d187e872<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/Get%20Collision%20Insurance%20Columbus%20Ohio.jpg' align='left' /> What does it really mean when someone says, "I have full coverage on my car insurance or auto insurance?" Full coverage means that you have comprehensive and collision coverage as well as liability coverage.&nbsp; What is&nbsp;COLLISION COVERAG...Thu, 09 Dec 2010 14:28:15 -0600<br /> What does it really mean when someone says, "I have full coverage on my <a href="http://www.columbusinsurancemarket.com/category.aspx?id=MISC15">car insurance</a> or <a href="http://www.columbusinsurancemarket.com/automobile/default.aspx">auto insurance</a>?"<br /> <br /> Full coverage means that you have comprehensive and collision coverage as well as liability coverage.&nbsp; <br /> <br /> <img alt="" src="/img/%7Ewww.columbusinsurancemarket.com/Get%20Collision%20Insurance%20Columbus%20Ohio.jpg" /><br /> <br /> What is&nbsp;<strong></strong><a href="http://www.columbusinsurancemarket.com/glossary/C/default.aspx"><strong>COLLISION COVERAGE</strong></a>?&nbsp; Portion of an auto insurance policy that covers the damage to the policyholder&rsquo;s car from a collision.<br /> &nbsp;<br /> What is <strong><a href="http://www.columbusinsurancemarket.com/glossary/C/default.aspx">COMPREHENSIVE COVERAGE</a>? </strong>Portion of an auto insurance policy that covers damage to the policyholder&rsquo;s car not involving a collision with another car including damage from fire, missiles falling objects, explosions, earthquakes, windstorm, flood-hail-water, vandalism, riots-civil commotion, breakage of glass, and theft. <br /> <br /> One last covered comprehensive loss that most would think would be covered under collision coverage is the contact with a bird or animal. However this is covered under comprehensive coverage. Yes if you hit a deer it is a comprehensive claim.<br /> &nbsp;urn:uuid:222beeae-ca91-4cb6-a090-8287c9c8a63b<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/insurancehomeowners.jpg' align='left' />Why are your Ohio home insurance rates going up? According to the Ohio Department of Insurance Director Mary Jo Hudson, announced that the average rates for the state&rsquo;s top 10 homeowners increased by 6.9 percent in 2008. As for 2009 the top...Thu, 18 Nov 2010 14:51:12 -0600Why are your Ohio home insurance rates going up?<br /> <br /> <img longdesc="Ohio homeowners insurance rates" alt="Homeowners insurance, Ohio" src="/img/%7Ewww.columbusinsurancemarket.com/insurancehomeowners.jpg" /><br /> <br /> According to the Ohio Department of Insurance Director Mary Jo Hudson, announced that the average rates for the state&rsquo;s top 10 homeowners increased by 6.9 percent in 2008.<br /> <br /> As for 2009 the top 10 insurers in the state reported an average increase of 9.7 percent in homeowners' premiums for the year, according to the Ohio Department of Insurance.<br /> <br /> Ohio residents are seeing these rate increases in their 2010 renewals as they did in their 2009 renewals. The cause of these increases are due to claims paid from the wind storms Ohio has suffered.&nbsp; <br /> <br /> There are still insurance companies that still have low rates, you just have to know where to look. The Columbus Insurance Market can help <a href="http://www.columbusinsurancemarket.com/homeowners/default.aspx">shop your homeowners insurance</a> with multiple insurance companies. Call us today or log on to our website to see if there might be a better deal for your insurance money. <p>&nbsp;Here is a statement from the Ohio department of Insurance website. &ldquo;While we did experience premium rate increases in 2008, it&rsquo;s important to remember that Ohio still has some of the lowest insurance rates in the nation,&rdquo; Director Hudson said. &ldquo;The Department will continue to monitor these markets, and also assure that Ohioans have access to competitive coverage.&rdquo;<br /> <br /> Even though you are seeing your Ohio homeowners insurance rates increase, feel lucky you live in Ohio.&nbsp; Even with the increases we have seen, we still have some of the lowest home insurance premiums in the country.&nbsp;<br /> <br /> <img longdesc="Columbus Inusrance Market - Columbus Ohio" alt="Columbus Insurance Market" src="/img/%7Ewww.columbusinsurancemarket.com/med%20logo.jpg" /><br /> <br /> <a href="http://www.columbusinsurancemarket.com/automobile/Columbus_Ohio_Home_and_Auto_Insurance_Quote_Online.aspx"><img alt="" style="border-color: #00b050;" src="/img/%7Ewww.columbusinsurancemarket.com/Insurance%20Rate%20Quote.jpg" /></a></p>urn:uuid:23caa34e-fc21-4fa2-8124-67288025cea1<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/cars.jpg' align='left' />At the Columbus Insurance Market we get a lot of insurance coverage questions. In our blog we like to answer some of the most common questions that come into our Ohio insurance agency. One of the most common question customers ask is, can anyone driv...Mon, 08 Nov 2010 17:30:12 -0600At the Columbus Insurance Market we get a lot of insurance coverage questions. In our blog we like to answer some of the most common questions that come into our <a href="http://www.columbusinsurancemarket.com">Ohio insurance agency</a>. One of the most common question customers ask is, can anyone drive my car? Would I be covered if someone had and accident while driving my car?&nbsp; These are common concerns for most Ohio drivers.&nbsp; The answer to this question is not difficult.&nbsp; In Ohio the insurance follows the vehicle, not the driver.&nbsp; So if you let someone borrow your car and they get into a car accident they should be covered under the <a href="http://www.columbusinsurancemarket.com/automobile/default.aspx">car insurance</a> policy of that vehicle. <br /> <br /> There can be some exclusions to this. So you want to make sure you check with your agent to make sure you are covered. As a responsible insured, make sure you disclose all household members that live with you to your insurance agent. <br /> <br /> <img longdesc="Car insurance Quote Columbus Ohio" alt="Car Insurance Ohio " src="/img/%7Ewww.columbusinsurancemarket.com/cars.jpg" />&nbsp;&nbsp;&nbsp; <img longdesc="Ohio Car insurance" alt="Ohio Car Insurance" src="/img/%7Ewww.columbusinsurancemarket.com/med%20logo.jpg" />urn:uuid:e6d9228b-60ee-41f6-8c91-65aa26b4e182<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/duiimages.jpg' align='left' /> Share | var addthis_config = {"data_track_clickback":true}; How much does it cost? People often ask how much will an SR-22 will cost.&nbsp; The filing fee is not the cost you should be worried about.&nbsp; The cost of the auto insurance w...Wed, 20 Oct 2010 17:05:48 -0500<iframe frameborder="0" scrolling="no" src="http://www.facebook.com/plugins/like.php?href=http%3A%2F%2Fwww.columbusinsurancemarket.com%2Fblog%2FHow_much_does_an_SR-22_Cost.aspx&amp;layout=standard&amp;show_faces=true&amp;width=450&amp;action=like&amp;font=lucida+grande&amp;colorscheme=light&amp;height=80" style="border: medium none; overflow: hidden; width: 450px; height: 80px;" allowtransparency="true"></iframe><br /> <!-- AddThis Button BEGIN --> <div class="addthis_toolbox addthis_default_style"> <a href="http://www.addthis.com/bookmark.php?v=250&amp;username=bradcummins" class="addthis_button_compact">Share</a> <span class="addthis_separator">|</span> <a class="addthis_button_preferred_1"></a> <a class="addthis_button_preferred_2"></a> <a class="addthis_button_preferred_3"></a> <a class="addthis_button_preferred_4"></a> </div> <script type="text/javascript">var addthis_config = {"data_track_clickback":true};</script> <script type="text/javascript" src="http://s7.addthis.com/js/250/addthis_widget.js#username=bradcummins"></script> <!-- AddThis Button END --> <br /> <strong>How much does it cost?</strong><br /> <br /> People often ask how much will an <a href="http://www.columbusinsurancemarket.com/category.aspx?id=MISC13">SR-22</a> will cost.&nbsp; The filing fee is not the cost you should be worried about.&nbsp; The cost of the auto insurance will be high because of the reason or reasons that you are required to carrier the SR-22. When you need an SR-22 most likely you have done something to give you points on your license. The points will increase the cost of the auto insurance not the SR-22. <br /> <br /> <img longdesc="Columbus Ohio SR-22" alt="Ohio SR22" src="/img/%7Ewww.columbusinsurancemarket.com/duiimages.jpg" /><br /> <br /> <strong>Is there a filing fee?</strong><br /> <br /> There is a one time filing fee that will be charged. The filing fee will be $15 to $25 depending on the insurance carrier filing the SR-22.&nbsp; <br /> <br /> <h3>What is a <a href="http://www.columbusinsurancemarket.com">SR-22</a>?</h3> <p>SR-22 is a documentation that provides proof of financial responsibility. An SR-22, also called a Certificate of Financial Responsibility (CFR), is a certificate mandated by the state and provided by your auto insurance company that verifies that you have auto insurance liability coverage. The most common reason you might need an SR-22 is if the police pull you over and your driving without auto insurance. If that happens you'll be required to carry the <strong>SR-22 </strong>for a specified amount of time (usually three years). Once that time is up you will no longer need to carry the SR-22.</p> <br /> To find out more about SR-22's check out our website <strong><a href="http://www.columbusinsurancemarket.com/category.aspx?id=MISC13">Columbus Insurance Market SR-22</a>.&nbsp;</strong> We have several carriers that offer SR-22's.&nbsp; Progressive and Unitrin seem to be the most competitive in auto insurance rates when you need to carry an SR-22.&nbsp; Call us today for a quote 614 560 7875.<br /> <br /> Join us on Facebook click below<br /> <br /> <a href="http://www.facebook.com/ColumbusInsuranceMarket?v=app_4949752878"><img alt="" src="/img/%7Ewww.columbusinsurancemarket.com/Columbus-Insurance-Facebook-Welcome.jpg" /></a>urn:uuid:ddb71df4-9611-4359-aacd-477d6ae7305f<img src='file:///Users/bradcummins/Library/Caches/TemporaryItems/moz-screenshot.png' align='left' /> Share | var addthis_config = {"data_track_clickback":true}; Columbus Ohio's Vacant Properties present difficult challenge for building owners and insurers alike.&nbsp; While Columbus Ohio families are losing their jobs in this bad economy...Mon, 04 Oct 2010 20:12:19 -0500<!-- AddThis Button BEGIN --> <div class="addthis_toolbox addthis_default_style"> <a class="addthis_button_compact" href="http://www.addthis.com/bookmark.php?v=250&amp;username=bradcummins">Share</a> <span class="addthis_separator">|</span> <a class="addthis_button_preferred_1"></a> <a class="addthis_button_preferred_2"></a> <a class="addthis_button_preferred_3"></a> <a class="addthis_button_preferred_4"></a> </div> <script type="text/javascript">var addthis_config = {"data_track_clickback":true};</script> <script type="text/javascript" src="http://s7.addthis.com/js/250/addthis_widget.js#username=bradcummins"></script> <!-- AddThis Button END --> <br /> <img alt="" src="file:///Users/bradcummins/Library/Caches/TemporaryItems/moz-screenshot.png" /><img alt="" src="file:///Users/bradcummins/Library/Caches/TemporaryItems/moz-screenshot-1.png" /><img longdesc="Columbus Ohio Vacant building insurance" alt="Vacant Building insurance" src="/img/%7Ewww.columbusinsurancemarket.com/vacantbuilinginsurance.jpg" /><br /> <br /> <a href="http://www.columbusinsurancemarket.com/">Columbus Ohio's Vacant Properties</a> present difficult challenge for building owners and insurers alike.&nbsp; While Columbus Ohio families are losing their jobs in this bad economy we are seeing more and more residential and commercial buildings just sitting dark and vacant. Office vacancies are on the rise just take a look at the local strip mall next time your on <strong><a href="http://www.columbusinsurancemarket.com/category.aspx?id=MISC1">Hilliard</a> Rome Rd</strong> or in <strong>Dublin</strong>. Look anywhere in downtown <strong>Columbus Ohio</strong> and you will see empty store front like never before!<br /> <br /> When comparing the danger that come along with managing a fully occupied commercial building, the logical thinking is that a vacant property would present substantially fewer risks. Why because there are no customers just waiting to slip and fall near your store front or no coffee for your customers to burn their lips. Well in reality it's a vacant building is more like to have losses even though their are no customers around.<br /> <br /> The problem with a vacant building is their not regularly attend too because no one is around to keep them up.&nbsp; If water leaks in through a pipe and no tenant is there, then it could lead to mold or could leak in to electrical and so on.&nbsp; Crime is up on vacant buildings as well; thieves are going in and stealing anything they can get there hands on like copper and so on.&nbsp; As a building owner make sure you don't cut down on the security in times like these. Notify your local authorities police and fire department to keep an eye on your buildings as well. Notifying local authorities will help keep vandals and thieves at bay.<br /> <br /> As a building owner you should do regular inspections of your vacant units.&nbsp; Also if you want to make sure you are covered by your insurance policy in the case of a loss you should read your terms and condition in your<a href="http://www.columbusinsurancemarket.com"> insurance policy</a> to make sure you are not violating any of them. If you are doing your part it will help insurers do theirs by keeping losses down, which in turn will keep premiums down for every one suffering in this economy.&nbsp; Maintaining your vacant units will also get you on the path to being fully occupied as well.<br /> <br /> Things to ask your agent.<br /> <br /> -How long is my vacant building or home covered under it's current insurance policy?<br /> -Is it covered from vandalism?<br /> -Do I need to insure it as vacant building?<br /> -How long do I have coverage while it is for rent or until I sell it?<br /> <br /> <img alt="" style="width: 1px;" src="/img/%7Ewww.columbusinsurancemarket.com/Columbus-Insurance-Facebook-Welcome-1.jpg" /><br /> <br /> <br /> <br /> To <a href="http://www.columbusinsurancemarket.com"><strong>insure your vacant Columbus Ohio building</strong></a><strong></strong> Call the Columbus Insurance Market for a quote. 614 560 7875.urn:uuid:89395c4e-6098-4f96-b745-7cbef3e53474Lauren and her husband called the Columbus Insurance Market when they were shopping for their Columbus Ohio homeowners insurance and Columbus auto insurance.&nbsp; We talked to Lauren and asked her a series of questions to make sure we could get the ...Tue, 28 Sep 2010 20:38:03 -0500Lauren and her husband called the Columbus Insurance Market when they were shopping for their <strong><a href="http://www.columbusinsurancemarket.com/homeowners/columbus_ohio_homeowners_insurance_quote.aspx">Columbus Ohio homeowners insurance</a> </strong>and <strong><a href="http://www.columbusinsurancemarket.com/automobile/columbus_ohio_auto_insurance_quote.aspx">Columbus auto insurance</a></strong>.&nbsp; We talked to Lauren and asked her a series of questions to make sure we could get the most accurate quotes and then we went in and shopped their insurance with Hartford, Travelers, Encompass, Max, and Progressive.&nbsp; We then went into our comparative rater and showed Lauren what each of the rates for her <strong>home</strong> <strong>and</strong> <strong>auto insurance</strong> would cost with each of the companies we represent.&nbsp; Lauren was shocked that we could go in and shop for her.&nbsp; She was unaware that that was possible.&nbsp; We asked why she thought we could only quote one insurance company and she said, "she called four agents that day and they all could only provide a quote from one insurance company."&nbsp; We asked Lauren who she called?&nbsp; She told us she called State Farm, Allstate, American Family, and Nationwide.&nbsp; She said it took her over four hours to gather quotes from these four companies. That is why she was shocked when we gave her multiple insurance quotes in less than 10 minutes.&nbsp; We explained to her that the Columbus Insurance Market is an <strong>independent insurance agency</strong> and the companies she called are <strong>captive insurance agents</strong>.&nbsp; Captive meaning they can only get quotes form one insurance company.&nbsp; <strong>Independent insurance agents</strong> can quote the <strong>multiple insurance companies</strong> their agency represents.&nbsp; Once we explained this to her she was so pleased knowing that we would be the last <a href="http://www.columbusinsurancemarket.com/default.aspx">insurance agency</a> she ever needed.&nbsp; Not to mention we saved her over $500 on her <strong><a href="http://www.columbusinsurancemarket.com/category.aspx?id=MISC4">Columbus Ohio home and auto insurance</a></strong>.&nbsp; Another satisfied customer of the Columbus insurance Market.urn:uuid:254d8ba9-cf8d-47a2-b16b-af14b5e58321<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/The%20Hartford%20Columbus%20Ohio%20Auto%20Insurance.jpg' align='left' /> Have you seen all the new mobile insurance apps available for your smart phone?&nbsp; Almost all of the insurance companies are catching on to the the added value of having a free app to download.&nbsp; The new mobile apps link up with your personal...Tue, 14 Sep 2010 15:50:20 -0500<iframe scrolling="no" frameborder="0" allowtransparency="true" style="border: medium none; overflow: hidden; width: 450px; height: 80px;" src="http://www.facebook.com/plugins/like.php?href=http%3A%2F%2Fwww.columbusinsurancemarket.com%2Fblog%2FNew_Insurance_apps_for_your_smart_phone.aspx&amp;layout=standard&amp;show_faces=true&amp;width=450&amp;action=like&amp;font=lucida+grande&amp;colorscheme=light&amp;height=80"></iframe><br /> Have you seen all the new mobile insurance apps available for your smart phone?&nbsp; Almost all of the insurance companies are catching on to the the added value of having a free app to download.&nbsp; The new mobile apps link up with your personal <a href="http://www.columbusinsurancemarket.com/automobile/columbus_ohio_auto_insurance_quote.aspx">auto insurance policy</a> and have great features for the customer.<br /> <br /> <a href="http://www.columbusinsurancemarket.com/category.aspx?id=MISC5"><img longdesc="Ohio auto insurance quote" alt="Ohio auto insurance quote" style="border-width: 0px; border-style: solid; width: 256px; height: 402px;" src="/img/%7Ewww.columbusinsurancemarket.com/The%20Hartford%20Columbus%20Ohio%20Auto%20Insurance.jpg" /></a><br /> <br /> Travelers Insurance and The Hartford Insurance are a couple of our insurance carriers that are offering the new Mobile apps, and we are really impressed with the technology.&nbsp; We are letting all of our customers know about the new apps because they are so helpful. <br /> <br /> Whether your stranded on the side of the road or in an auto accident they can be a big help. Assistance from your insurance carriers is just a touch away with the mobile apps. <br /> <br /> <img alt="" width="282" height="416" src="/img/%7Ewww.columbusinsurancemarket.com/The%20Hartford%20Ohio%20Auto%20Insurance.jpg" /><br /> Most mobile app features include:<br /> <br /> Roadside assistance<br /> Claims connect<br /> Glass repair<br /> Towing Service<br /> Photos option to take at the seen of an accident<br /> Repair shops nearby<br /> Exchange driver info <br /> Rental car assistance<br /> And much more....<br /> <br /> <a href="http://www.columbusinsurancemarket.com/default.aspx"><img width="275" height="396" longdesc="Columbus Ohio insurance agency" alt="Columbus Ohio insurance agency" style="border-width: 0px; border-style: solid;" src="/img/%7Ewww.columbusinsurancemarket.com/Ohio%20Travelrs%20Auto%20Insurance.jpg" /></a><br /> <br /> If you would like a list of our <a href="http://www.columbusinsurancemarket.com/category.aspx?id=MISC5">Columbus Ohio auto insurance</a> carriers that offer free mobile apps just give us a call and we can help you find an insurance company that offers these options. Not one of our policy holders? That's just fine.&nbsp; Call us and the Columbus Insurance Market can get you multiple insurance quotes in minutes.<br /> <br /> <img alt="" width="307" height="437" src="/img/%7Ewww.columbusinsurancemarket.com/Columbus%20Ohio%20Auto%20Travelrs%20Auto%20insurance.jpg" /><br /> <br /> <img alt="" src="/img/%7Ewww.columbusinsurancemarket.com/med%20logo.jpg" />urn:uuid:00e4a437-d3c2-4048-8ec7-2de837d558fe<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/Columbus%20Ohio%20Insurance.jpg' align='left' /> Technology is playing a big part in the processing of new insurance claims. At the Columbus Insurance Market we are helping our customers use technology to speed along claims processing for their contents on their renters insurance and homeowners ...Wed, 25 Aug 2010 13:43:03 -0500<iframe frameborder="0" scrolling="no" src="http://www.facebook.com/plugins/like.php?href=http%3A%2F%2Fwww.columbusinsurancemarket.com%2Fblog%2FHow_the_IPhone_and_Droid_X_are_helping_with_insurance_claims.aspx&amp;layout=standard&amp;show_faces=true&amp;width=450&amp;action=like&amp;font=lucida+grande&amp;colorscheme=light&amp;height=80" style="border: medium none; overflow: hidden; width: 450px; height: 80px;" allowtransparency="true"></iframe><br /> <a href="www.columbusinsurancemarket.com"><img src="/img/%7Ewww.columbusinsurancemarket.com/Columbus%20Ohio%20Insurance.jpg" style="border-width: 0px; border-style: solid;" alt="Columbus Ohio Insurance" longdesc="Columbus Ohio Insurance" /></a><br /> <br /> Technology is playing a big part in the processing of new insurance claims. At the Columbus Insurance Market we are helping our customers use technology to speed along claims processing for their contents on their <a href="http://www.columbusinsurancemarket.com/renters/default.aspx">renters insurance</a> and <a href="http://www.columbusinsurancemarket.com/homeowners/default.aspx">homeowners insurance</a>. Our <a href="http://www.columbusinsurancemarket.com/">Columbus Ohio insurance Agency</a> is also showing our clients how to use their new iPhone and Droid X to make sure they are getting all there contents replaced when the time comes to file a claim. <br /> <br /> Let us show you how the new iPhone and Droid X can help with a theft insurance claim.<br /> <br /> <br /> <div style="text-align: left;"><a href="http://www.columbusinsurancemarket.com/renters/default.aspx"><img src="/img/%7Ewww.columbusinsurancemarket.com/Columbus%20OH%20Insurance.jpg" style="width: 234px; height: 412px; border-width: 0px; border-style: solid;" alt="Columbus Ohio Renters Insurance" longdesc="Columbus Ohio Renters Insurance" /></a> </div> <br /> One night this week we had a Columbus Ohio customer who came home from work to find her apartment door had been kicked in. She walked into a ransacked apartment and realized almost all of her important belongings had been stolen.&nbsp; She called our <a href="http://www.columbusinsurancemarket.com/locations.aspx">insurance agency</a> in a panic and needed to know what to do?&nbsp; <br /> <br /> As we walked her through what she needed to do, and we went over the things we talked to her about when she first bought her renters insurance policy from our insurance agency. <br /> <br /> When our insured first got her renters policy with our insurance agency we asked her if she had one of the new popular smart phones? She replied, "I just got the new iPhone."&nbsp; We were excited because at our Ohio insurance agency we know how helpful these phones can be to capture images and video of all your contents.&nbsp; We advised our insured that she needed to go through her apartment and use your new iPhone to take photos and video of all her important belongings in case of a claim. We reminded her to take shots of the bar codes, serial numbers, and model numbers on her big ticket items like her television, computer, etc.&nbsp; With the new high quality of the camera and video features on the new smart phones like iPhone and Driod they are perfect to help take inventory of your belongings. Using the new smart phone features can save you a lot of time compared to making a traditional spreadsheet. <br /> <br /> Our insurance agency recommends using your smart phone to take photos of your contents instead of using your personal camera.&nbsp; The most important reason for using your cell phone is, most people always have their cell phone with them.&nbsp; So if a thief&nbsp; breaks in they will not likely get to your cell phone.&nbsp; Not the same for a camera which often gets left at home, and a camera is a easy target for a thief.&nbsp; However just in case the thief comes on the day you forgot your cell phone on the counter we have the insured email the pictures and video to themselves and cc our insurance agency. That way one of us will have copies of the photos and videos of there belonging.&nbsp; Some customers say they will just upload the photos to their computer.&nbsp; A computer is another easy target for thieves so make sure you don't have everything stored just on your computer. This is just another reason we have them email the pictures and video to themselves and us.&nbsp; With most emails you can login from any computer and you will always have a copy of your photos and video.<br /> <br /> When you are in the situation that our insured was in you will have a hard time remembering all the things you had bought over the years. Our insured had a collection of designer handbags, a nice new MacBook Pro, along with a new 42 inch LCD t.v. which had been stolen. As we had told our insured laptops and cameras are easy targets and of course they were stolen as well. &nbsp; Luckily our insured followed the steps we recommended. She was able to go through her video and photos and find almost every missing item and get a list of items to her adjuster.&nbsp; Since the insurance claim, our insured has been fully reimbursed for all the items, even the ones she did not have receipts for.&nbsp; Her new smart phone saved her a lot of time and helped her recall all of her missing item.<br /> <br /> Are advice at the <a href="http://www.columbusinsurancemarket.com/about.aspx">Columbus Insurance Market</a> is to use the new smart phone technology to your advantage.&nbsp; Make sure you are prepared for a situation like a theft.&nbsp; If you want to be fully reimbursed for you contents, then always have photo and video proof of your belongings, especially if you can't reproduce receipts. &nbsp;&nbsp; &nbsp; <br /> <br /> Who knew smart phones were good for more than just downloading new apps and email?<br /> <br /> &nbsp;<img alt="" src="/img/%7Ewww.columbusinsurancemarket.com/med%20logo.jpg" />urn:uuid:f3a55f32-e757-46d2-a091-5b6a94ddc934<img src='http://www.zimbio.com/images/badges/badgeBlue.png' align='left' /> Top Stories Wed, 18 Aug 2010 11:34:51 -0500<a href="http://www.zimbio.com/member/cbusinsmarket"><img style="border: 0px solid;" title="My Zimbio" alt="My Zimbio" src="http://www.zimbio.com/images/badges/badgeBlue.png?u=cbusinsmarket" /></a><br /> <a href="http://www.zimbio.com" style="margin-top: 2px; padding-left: 10px; display: block; color: #244366; font-size: 11px;">Top Stories </a>urn:uuid:77ffe7c0-33cb-4dbe-a465-e22eb069b501<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/med%20logo.jpg' align='left' />Columbus Ohio Boat Insurance The Columbus Insurance Market now writes boat Insurance through Progressive's specialized boat insurance coverage, you can relax knowing you have coverage for your boat or personal watercraft. Just like Ohio auto insuran...Tue, 20 Jul 2010 18:42:06 -0500<strong>Columbus Ohio Boat Insurance</strong><br /> <br /> The <strong>Columbus Insurance Market</strong> now writes boat Insurance through <strong>Progressive</strong>'s specialized <strong>boat insurance coverage</strong>, you can relax knowing you have coverage for your boat or <strong>personal watercraft</strong>. Just like <strong>Ohio auto insurance</strong>, we make <strong>Ohio</strong> <strong>boat insurance</strong> easy&mdash;you can even get a <strong>Ohio boat insurance quote online</strong>. <h2>Ohio Boat Insurance Features</h2> <p>A <strong>Progressive boat insurance</strong> <strong>policy</strong> comes with plenty of options for specialized coverage, such as Roadside Assistance, On water Towing, Total loss replacement, and more. </p> <h2>Get a Ohio Boat Insurance Quote and Much More</h2> <p>With so many <strong>Ohio boat insurance</strong> options, we provide you with information to help you choose the best coverage for your <strong>Ohio boat</strong> or <strong>Ohio personal watercraft</strong>.</p> <p><strong>Ohio Boat insurance</strong> covers many kinds of boats, so even if you&rsquo;re looking for specific coverage&mdash;like <a href="https://c6082f1d-f1d4-4033-8687-63eecaac1d19.insurancewebsitebuilder.com/boat/watercraft_insurance_quote.aspx">Ohio personal watercraft insurance</a>, <a href="https://c6082f1d-f1d4-4033-8687-63eecaac1d19.insurancewebsitebuilder.com/boat/watercraft_insurance_quote.aspx">Ohio jet boat insurance</a>, <a href="https://c6082f1d-f1d4-4033-8687-63eecaac1d19.insurancewebsitebuilder.com/boat/watercraft_insurance_quote.aspx">Ohio sailboat insurance</a>, <a href="https://c6082f1d-f1d4-4033-8687-63eecaac1d19.insurancewebsitebuilder.com/boat/watercraft_insurance_quote.aspx">Ohio fishing boat insurance</a>, or <strong>Ohio house boat insurance</strong>&mdash;a boat insurance policy is what you need.</p> <p> </p> <p>Through the <strong>Columbus Insurance Market Progressive</strong> offers great <strong>Ohio Fishing Boat Coverages</strong>.</p> <p>Fishing Equipment coverage pays for loss or damage to fishing equipment while on board, or while being carried on or off, an insured <strong>boat</strong>. You must pay a $100 deductible for each loss and up to $10,000 of coverage for all damaged equipment, or $1,000 for damage or loss to any one item, is provided.</p> <p><strong>Fishing Equipment coverage</strong> is primary, which means you don't have to submit a homeowners claim for damage to your <strong>fishing equipment</strong>.</p> <p>If fishing equipment is stolen, the theft must be supported by visible evidence of forcible entry.</p> <p>A tackle box is considered one item regardless of the number of lures, hooks, baits and other items stored in the container.</p> Fishing Equipment coverage is not available for <strong>personal watercraft</strong>. <p></p> <p><strong>The Columbus Insurance Market </strong>Offers great boat features as well, Through Progressive!</p> <p></p> <p> </p> <p>Get your<strong> Ohio Boat Insurance</strong> today with the<strong> Columbus Insurance Market. <br /> </strong></p> <p><strong><br /> </strong></p> <p><strong>The Columbus Insurance Market</strong></p> <p><strong>Hilliard Ohio 43026</strong></p> <p><strong>614 560 7875<br /> </strong></p> <p><img longdesc="Hilliard, Dublin, and Columbus Ohio Boat Insurance" alt="Ohio Boat Insurance" src="/img/%7Ewww.columbusinsurancemarket.com/med%20logo.jpg" /></p> <p><a href="https://c6082f1d-f1d4-4033-8687-63eecaac1d19.insurancewebsitebuilder.com/boat/watercraft_insurance_quote.aspx">Get a Columbus Ohio Boat Insurance Quote Online Today</a><br /> <a href="https://c6082f1d-f1d4-4033-8687-63eecaac1d19.insurancewebsitebuilder.com/boat/watercraft_insurance_quote.aspx">Buckeye Lake Boat Insurance Quote<br /> </a><a href="https://c6082f1d-f1d4-4033-8687-63eecaac1d19.insurancewebsitebuilder.com/boat/watercraft_insurance_quote.aspx">Alum Creek Boat Insurance Quote</a><br /> <a href="https://c6082f1d-f1d4-4033-8687-63eecaac1d19.insurancewebsitebuilder.com/boat/watercraft_insurance_quote.aspx">Ohio Jet Ski Insurance Quote<br /> Ohio Boat Insurance Quote<br /> Ohio Personal watercraft Insurance Quote<br /> Ohio Sailboat Insurance Quote</a> </p> <p></p> <p></p> <p> </p> <p></p>urn:uuid:99b58b57-a685-4dbf-b286-fe471f13203aWhy an Independent Agent? When shopping for insurance, most people are unaware that there are different kinds of agents they can work with. Choosing the right kind of insurance agent can make a big difference in securing the best combination of price...Thu, 24 Jun 2010 19:32:09 -0500<h1 class="sIFR-replaced">Why an Independent Agent?</h1> <div class="imageFloatRight">When shopping for insurance, most people are unaware that there are different kinds of agents they can work with. Choosing the right kind of <a href="http://www.columbusinsurancemarket.com/">insurance agent</a> can make a big difference in securing the best combination of price and value. </div> <h3></h3> <p>With a captive insurance agent you only get the guidance of one company that sells one brand of insurance. An example of a captive brand or insurance agent would be State Farm, All State, Nationwide, Farmers, American Family, etc. With an <a href="http://www.columbusinsurancemarket.com/other/ohio_insurance_quote.aspx">independent insurance agent</a>, you might get up to eight choices.</p> <a></a> <h3></h3> <p>This is because an independent insurance agent like the, <a href="http://www.columbusinsurancemarket.com/">Columbus Insurance Market</a>, represents multiple brands, and can compare coverage and prices to find the best possible value for your individual circumstances. Independent agents are usually vested members of your community who are committed to doing business face-to-face and being your advocate in times of need.</p> <a></a> <h3></h3> <p>They also:</p> <a></a> <p></p> <a></a> <ul class="bulletedList"> <li> Work for you when you have a claim. </li> <li> Are not beholden to any one company. This means you don&rsquo;t have to change agencies as your insurance and service needs change. </li> <li> Are your consultants, working with you as you determine your needs. </li> <li> Are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service. </li> <li> Offer one-stop shopping for a full range of products, including home, renters, auto, business, life, health, and retirement plans. </li> <li> Can periodically review your coverage to keep up with your changing insurance needs. </li> <li> Are committed to customer satisfaction&mdash;it's the key to their livelihood </li> <li> Treat you like a person, not a number. </li> <li> Are licensed professionals with strong customer and community ties. </li> </ul> Choose your insurance agent wisely if you want to make sure you are getting the best deal for your money.&nbsp; I would always make sure your insurance agent is an independent insurance agent.&nbsp;urn:uuid:7fa02400-df38-4d93-94a8-de9a44b12fcaWhat could happen if I don't have Columbus Ohio Homeowners insurance coverage? Without Columbus Ohio Homeowners insurance, you'll be responsible for protecting your property, possessions and liability exposure. For example, if your home burns down to...Fri, 14 May 2010 12:54:10 -0500<h1><strong>What could happen if I don't have</strong> <strong>Columbus Ohio Homeowners insurance</strong> coverage?</h1> Without <strong>Columbus Ohio Homeowners insurance</strong>, you'll be responsible for protecting your property, possessions and liability exposure. <p>For example, if your home burns down to the ground or is destroyed by a tornado, you'll need to rebuild your home and replace all your damaged possessions with only the funds you have or can obtain. That means say good bye to the savings account and all cash on hand just to repair the losses.&nbsp; Ask yourself do I have that kind of cash or is that what I want to spend my cash on if something was to happen? Do you usually have $200,000 or more available in case something like this happens? If you do, don't you think you could be putting that money to better use instead of having it sit there just in case something happens?</p> <p>Something else to consider about your <strong>Columbus Ohio Homeowners Insurance</strong>: if someone is injured on your <strong>Columbus Ohio property</strong>, they may sue you for injuries and damages they sustain which may be well beyond $1,000,000. Without insurance, you may have to liquidate your assets and even lose a portion of your wages if you need to pay for a judgment.&nbsp; Don't think they can garnish your wages well think again. Because a judge could easily make that happen.</p> <p>Look at all the things that could go wrong without having Columbus Ohio Home insurance in place.&nbsp; For several hundred dollars a year you could protect yourself again all these things talked about above.</p> The best part about it is the <strong>Columbus Insurance Market</strong> can shop your <strong>homeowners</strong> coverage with multiple insurance companies to make sure you are getting the best homeowners insurance policy for the best price.<br /> <br /> Call our <strong>Hilliard, Ohio location at 614 560 7875</strong> to get your Homeowners insurance quote today. <p></p>urn:uuid:3b31ce25-1487-4a72-aa0f-0b333e638367 What Ohio auto insurance limits should I purchase? The required minimum coverage&nbsp;may not be enough to pay for all the damages that result from an accident, and the legally responsible driver will have to pay the additional expenses out of pocke...Tue, 06 Apr 2010 21:44:11 -0500<span style="font-size: 11px; line-height: 18px; font-family: verdana,tahoma,arial,sans-serif; color: #000000;"> <h2 style="padding: 0px 0px 10px; font-size: 15px; font-weight: normal;"><span xmlns="http://www.w3.org/1999/xhtml">What <strong>Ohio auto insurance</strong> limits should I purchase?</span></h2> <span xmlns="http://www.w3.org/1999/xhtml">The required minimum coverage</span><span xmlns="http://www.w3.org/1999/xhtml">&nbsp;may not be enough to pay for all the damages that result from an accident, and the legally responsible driver will have to pay the additional expenses out of pocket if he does not have enough liability coverage. Make sure you have enough<strong> auto liability insurance</strong> coverage and property damage coverage to protect your families assets in case of an at fault accident. &nbsp;You would hate to see a life savings disappear because you didn't have enough <strong>auto liability insurance and property damage coverage.</strong></span></span> <div><span style="font-size: 11px; line-height: 18px; font-family: verdana,tahoma,arial,sans-serif; color: #000000;"> <p></p> <p></p> <h2 style="padding: 0px 0px 10px; font-size: 15px; color: #444444; font-weight: normal;"><span style="font-size: 11px;">Call the<strong> Columbus Insurance Market&nbsp;</strong>with questions about <strong>Columbus Ohio Auto insurance rates.</strong></span></h2> <div><span xmlns="http://www.w3.org/1999/xhtml">614 560 7875</span></div> </span><br /> </div>urn:uuid:2f5fbe54-09e8-46c6-9467-2971d1496f7bThink about getting a motorcycle this spring? Here are a few things to remember when looking for your motorcycle insurance in Ohio.&nbsp; Remember to have coverage for your Custom Parts and Equipment (CPE). Make sure you know your bike. You should...Wed, 10 Mar 2010 12:02:21 -0600Think about getting a <strong>motorcycle</strong> this spring? <br /> <br /> Here are a few things to remember when looking for your <strong>motorcycle insurance in Ohio.&nbsp; </strong>Remember to have coverage for your Custom Parts and Equipment (CPE).<br /> <br /> Make sure you know your bike. You should know what type of motorcycle coverage you have on your bike a well.&nbsp; Most people can get by with a basic <strong>motorcycle insurance </strong>policy but some cannot.&nbsp; If you have custom upgrades to your bike you need to make sure you have the right insurance coverage.&nbsp; <br /> <br /> Some riders need to remember if you have added custom things to your bike like say, custom paint job, custom plating or custom exhaust, trike conversion kits, handlebars, levers, sissy bars, and fenders.&nbsp; If you have upgrades like these you should not have a basic motorcycle insurance policy.&nbsp; Let me give you and example of why not.<br /> <br /> Ex. Your bike has a custom paint job, handlebars, levers, sissy bars and fenders that total $5,000. Most insurance companies have a set limit on custom parts and equipment.&nbsp; Let's take progressive for example. They include $1,000 CPE coverage in their motorcycle policy. If you have a claim that exceeds the automatic $1,000 CPE coverage given with Comprehensive or Collision coverage, you need to purchase an additional $4,000 in CPE coverage to ensure the parts are covered if they're damaged in an accident.<br /> <br /> It will cost extra to buy the increase coverage in custom part and equipment.&nbsp; However it wil make sure you get your bike back the way you want it in the event of an accident.<br /> We recommended you retain photos of the <strong>motorcycle</strong> and all receipts for custom parts and equipment. Always keep these in your files to make sure you can prove this in the event of an insurance claim.<br /> <br /> Columbus Insurance Market can help shop your motorcycle insurance coverage.<br /> <br /> Call today or fill out a online quote form below.<br /> <br /> 4621 Community Way <br /> Hilliard, OH 43026<br /> 614 859-4685<br /> <br /> <a class="ApplyClass" href="http://www.columbusinsurancemarket.com/motorcycle/ohio_motorcycle_insurance_quote.aspx">Ohio Motorcycle Insurance Quote</a><br /> <br /> <a href="http://www.columbusinsurancemarket.com/motorcycle/ohio_chopper_insurance_quote.aspx">Ohio Chopper Insurance Quote</a>urn:uuid:68f07122-740e-4280-a0be-3170f122a6c1At our Columbus Ohio Independent Insurance Agency we get parents who want to know how to keep their new teen drivers insurance premiums low? &nbsp;Here are the top three ways.&nbsp; 1. Shop, Shop, Shop. &nbsp;If you shop your insurance you will be ab...Sun, 14 Feb 2010 18:45:38 -0600At our <a href="http://www.columbusinsurancemarket.com/category.aspx?id=MISC15">Columbus Ohio Independent Insurance Agency</a> we get parents who want to know how to keep their new teen drivers insurance premiums low? &nbsp;Here are the top three ways.&nbsp; <p style="line-height: 18pt;">1. Shop, Shop, Shop. &nbsp;If you <a href="http://www.columbusinsurancemarket.com">shop your insurance</a> you will be able to find rates from multiple insurance companies. &nbsp;This will give you an idea of what a good rate is, and what a good rate is not. &nbsp;I know most people live a busy lifestyle, and don't have time to shop their auto insurance with multiple companies. &nbsp;It does take time and energy to shop with multiple insurance companies, I know. &nbsp;Well, there is a solution to that. Find a <a href="http://www.columbusinsurancemarket.com/about.aspx">local independent insurance agency</a>. &nbsp;They will do the shopping for you. &nbsp;Most independent agents have appointments with multiple insurance companies and they can get rates from multiple insurance companies for you. Instead of calling up multiple insurance agents and giving out your personal information to more than one insurance agent, just call up an independent agent and you will only have to give out your personal information once.&nbsp; </p> <p style="line-height: 18pt;">2. Keep your credit clean and in good standing. &nbsp;Now a days credit is one of the biggest factors in your insurance premiums. &nbsp;Most insurance companies use a insurance credit score for the head of household. The customer can choose the head of household, it can be the husband or wife. Let me give you an example. &nbsp;If you know that in your household the husband had a bankruptcy and the wife has a 750 FICA score, then tell the agent that and he can use the wife as the head of household. This way you get the better rates due to better credit. &nbsp;So if the head of household has good credit then the teen driver will benefit from that good insurance credit score. To keep a good insurance credit score make sure you pay all your bills on time, make sure 100% of your accounts are in good financial standings, and keep the balance on your credit cards low. Preferably keep the balance to 25% of the limit of the credit card. &nbsp;Example: on a $1000 credit card don't carry over a $250 balance at any time. These are the biggest factors in your insurance credit score.&nbsp; </p> <p style="line-height: 18pt;">3. Your new teen driver is going to get into an accident. &nbsp;Its just the odds. &nbsp;No way around it. &nbsp;So what to do if your a parent? &nbsp;Start by getting your teen driver a cheaper car. Preferably get a car that you can pay cash for. This way your new teen driver can learn to drive. &nbsp;Also I know you love your new little teen driver, but they do not need a supped up 375HP muscle machine. Your new teen driver will have that car wrapped around a telephone pole before they hit 17. Once again its just the odds. &nbsp;So what to do? &nbsp;Get that car you paid cash for, and get just liability coverage on the car. &nbsp;The two biggest expenses in teen rates are the Comprehensive and Collision coverage. By not having Comprehensive and Collision coverage you can cut your premium nearly in half. &nbsp;Why are they so expensive? &nbsp;Once again they will get into an accident, yes it's just the odds. &nbsp;So try to stay away from a car that you will have to carry full coverage on until your new teen driver proves to you that they can drive. </p> <p style="line-height: 18pt;">One more thing. &nbsp;Make sure you ask about discounts for you new teen driver. &nbsp;Good student and teen driving courses are just some to inquire about. Your independent agent will be able to tell you what discount every company offers.</p> <p style="line-height: 18pt;">Columbus Insurance Market is now offering quotes on teen drivers.</p>urn:uuid:4ca9284e-03de-464e-880c-6c1b54c8ccf4<img src='http://www.columbusinsurancemarket.com/img/%7Ewww.columbusinsurancemarket.com/logo%20large%20jpeg.jpg' align='left' />Welcome to the new website. Hopefully our customers will enjoy the new site and the features it has to help them with their insurance needs.&nbsp; The site has new features such as get a quote link where consumers can fill out an online quote form ...Fri, 22 Jan 2010 11:57:10 -0600Welcome to the new website. Hopefully our customers will enjoy the new site and the features it has to help them with their insurance needs.&nbsp; <br /> <br /> The site has new features such as <a class="ApplyClass" href="http://www.columbusinsurancemarket.com/category.aspx?id=QUOTE">get a quote link</a> where consumers can fill out an online quote form and get quotes on their insurance from multiple companies. We take pride in having new quotes returned to consumers as fast as possible.&nbsp; The turn around time form a quote is less that 24 hours.&nbsp; We are sure this new way of getting a quote will catch on real fast.&nbsp; The benefits are simple the consumer can fill out the quote on their time and not on the agents time.&nbsp; <br /> <br /> There are also great features like <a href="https://c6082f1d-f1d4-4033-8687-63eecaac1d19.insurancewebsitebuilder.com/automobile/request_id_card.aspx">request an auto insurance id card</a> which is one of the most common requests from our consumers. As soon as the request is received we will email the card to the client.<br /> <br /> These are just a few new features of our new website so check out the new website.&nbsp; We hope this make doing business with us as easy as can be.<br /> <br /> Thanks,<br /> Columbus Insurance Market <br /> <a href="http://www.columbusinsurancemarket.com/"><img alt="" style="border-style: solid; border-width: 0px;" src="/img/%7Ewww.columbusinsurancemarket.com/logo%20large%20jpeg.jpg" /></a><br /> <br />