Exploring Specialty Insurance Coverage
/ By Charlene Echerivel / General/ • / 0 Comments

Exploring Specialty Insurance Coverage

Exploring Specialty Insurance Coverage

In the world of insurance, not all risks are created equal. While standard insurance policies provide essential coverage for common risks, there are often unique or specialized assets that require extra protection. That's where specialty insurance coverage comes in. At Intelli Choice Insurance, we offer a range of specialty insurance options designed to safeguard your most valuable and unique assets. Let's explore some of the types of specialty insurance coverage available to help you protect what matters most.

Classic Car Insurance

If you're a collector or enthusiast of classic or vintage automobiles, standard auto insurance may not provide adequate coverage for your prized possessions. Classic car insurance offers specialized coverage tailored to the unique needs of classic car owners, including agreed value coverage, flexible usage restrictions, and coverage for restoration costs.

Classic Car Insurance

Boat and Yacht Insurance

Whether you own a small pleasure boat or a luxury yacht, specialized boat and yacht insurance can provide comprehensive coverage for your watercraft. This type of insurance typically includes protection against damage, theft, liability, and towing expenses, as well as coverage for personal belongings and on-board equipment.

Jewelry and Fine Art Insurance

Valuable items such as jewelry, fine art, antiques, and collectibles may not be adequately covered by standard homeowners or renters insurance policies. Specialty insurance coverage for high-value items offers additional protection against loss, theft, damage, and depreciation, ensuring that your most precious possessions are properly insured.

Jewelry and Fine Art

Cyber Insurance

In today's digital age, businesses face an ever-increasing risk of cyberattacks, data breaches, and other cyber threats. Cyber insurance provides coverage for expenses related to data recovery, legal fees, notification costs, and reputation management in the event of a cyber incident, helping businesses mitigate financial losses and protect their reputation.

Event Insurance

Planning a wedding, concert, trade show, or other special event? Event insurance provides coverage for unexpected cancellations, property damage, liability claims, and other unforeseen circumstances that could disrupt or impact your event.

No matter what unique assets or risks you need to protect, Intelli Choice Insurance has the expertise and resources to help you find the right specialty insurance coverage for your needs. Contact us today to learn more about how specialty insurance can provide peace of mind and financial security for your unique assets.

Common Holiday Insurance Claims
/ By Charlene Echerivel / General • Home Insurance • Personal Insurance/ / 0 Comments

Common Holiday Insurance Claims

Common Holiday Insurance Claims

As an insurance agent, I have seen many holiday insurance claims over the years. While going on holiday is supposed to be a time of relaxation and enjoyment, accidents and incidents can happen, and it's important to have the right insurance coverage to protect yourself and your belongings. Here are some of the most common holiday insurance claims that I have come across:

Medical Emergencies

This is by far the most common holiday insurance claim. Medical emergencies can happen anytime, anywhere, and can be costly without the right coverage. Travel insurance typically covers medical expenses, including doctor visits, hospital stays, and emergency transportation, so it's important to make sure you have adequate coverage before you travel.

Travel Insurance for Medical Emergencies

Trip Cancellation

Sometimes unforeseen circumstances may arise that can cause you to cancel your holiday plans. This could be due to a family emergency, illness, or other unexpected events. Trip cancellation coverage can help you recoup your expenses if you need to cancel your trip due to a covered reason.

Lost or Stolen Luggage

Another common claim is lost or stolen luggage. This can be a frustrating experience, especially if you lose valuable items. Most travel insurance policies provide coverage for lost or stolen luggage, which can help you replace your belongings.

Travel Insurance for Lost or Stolen Luggage

Flight Delays and Cancellations

Flight delays and cancellations can cause a lot of stress and inconvenience, especially if you have connecting flights or important events to attend. With travel insurance, you can get compensation for additional expenses, such as meals and accommodation, if your flight is delayed or canceled.

Rental Car Accidents

If you plan to rent a car during your holiday, it's important to have insurance coverage. Rental car accidents can be costly, and without insurance, you may be responsible for paying for damages out of pocket.

Rental Car Accidents

In conclusion, holiday insurance is an essential investment for any traveler. While you can't always prevent accidents or incidents from happening, you can protect yourself and your belongings with the right coverage. By understanding the most common holiday insurance claims and ensuring you have adequate coverage, you can enjoy your holiday with peace of mind.

Four powerful tips to attain financial security
/ By Charlene Echerivel / Dave Ramsey • General/ 0 Comments

4 Tips To Attain Financial Security

Four powerful tips to attain financial security

They say money doesn't grow on trees. While the part about trees is true, your money can — and will indeed grow — if you are smart with it. Learning how to secure your financial future is one of the most important things in life.

Whether you are living paycheck-to-paycheck or having trouble making ends meet, financial insecurity can be a serious source of stress. Regardless of your current circumstances, the tips below will help you take a few extra steps toward attaining financial security.

Budget Your Expenses

If you want financial security, your paycheck is the best place to start. Start by creating a budget so that you can plan to spend your money more productively. Reassess your income, expenses, and financial obligations and make adjustments where possible.

how to create a budget

Plan for Contingencies

With proper budgeting, you'll find yourself consistently spending less than usual every month. Use the surplus to create a proactive contingency plan. Planning for contingencies may include purchasing insurance policies that cover losses arising from adverse events, including:

♦ Healthcare coverage
♦ Life insurance
♦ Accidental death & disability coverage

Adequate insurance coverage will be your safety net when emergencies happen — and they will happen. Learn more on how to protect your financial future at Intelli Choice Insurance.

Attack Your Debt Relentlessly

Debt keeps you trapped in a cycle that makes it impossible to attain financial security. All those payments every month rob your present and steal from your future. Find an effective strategy, such as the snowball method, to attack your debt.

financial insecurity

Get Better with Money at Financial Peace University

The Financial Peace University is a comprehensive financial education program to improve personal financial skills. It contains lessons from Dave Ramsey and a few other experts, with all the content available online.

Financial security is essential because it reduces financial stress and helps you feel in control of your future. It'll take a lot of discipline and dedication, but these tips can help secure your family's financial future.

dave ramsey insurance
/ By Charlene Echerivel / Dave Ramsey • General/ • • • / 0 Comments

What does it mean to be a Ramsey Trusted Provider?

dave ramsey insurance

Intelli Choice is an Endorsed Local Provider (ELP) in the Dave Ramsey Provider network.

Dave Ramsey is probably best known for his series, Financial Peace University.  If you haven’t heard of him, he is a best-selling author, financial guru, and the host of The Ramsey Show.  The Ramsey Solutions company defines its success by the number of lives changed and has a goal of helping ordinary people get out of debt and get control of their lives. Its mission is to provide “biblically based, commonsense education and empowerment that gives HOPE to everyone in every walk of life.”

On The Ramsey Show, callers frequently discuss some of the tougher financial issues in life.  Examples might include complicated real estate transactions, investing in life insurance, or creating a will.  Callers explain how, as they went out into the world to accomplish these tasks, they weren’t sure who they could turn to that they could trust. Because of this dilemma, a natural outgrowth of the show has been the Endorsed Local Providers program.  

Dave Ramsey has a mission to serve, but that doesn’t mean your neighbor with the side hustle has the same goal.

The ELP program is a network of professionals who have been vetted to be sure they know their stuff and share the Ramsey values. Endorsed Local Providers fall under the “Ramsey Trusted” umbrella and must meet three distinct criteria.  

First, they must go through a rigorous Ramsey vetting process. 

Second, they must participate in continuous Ramsey coaching. 

Third, they are evaluated by customers through a Ramsey Trusted scoring process based on service.  

It’s about consistency.  This means that the Ramsey Trusted name stands behind them as a provider you can trust to provide you with consistent results, service, and who adheres to the Ramsey values system.  The ELP program has over 20 years of development behind it.  If a company is on the list, it wasn’t by accident.

Intelli Choice has the distinction of being an Endorsed Local Provider.  When it comes time to find the best insurance rates and coverage for your circumstances, you can trust us to be focused on serving your needs first.  We are invested in the Ramsey mission, which means we are invested in you.   If you think we can serve you, give us a call.

Cheap Car Insurance in Cincinnati, OH
/ By Brandon Barnes / General/ 0 Comments

Independent Insurance Agent

Independent Insurance Agent
Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value.
With other agencies, you get one company that sells one brand of insurance. With an independent insurance agency like Intelli Choice Insurance you get choices.
Why? Because independent insurance agencies, like Intelli Choice Insurance, represent a number of different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances. As independent insurance agents, we are members of the Northern Kentucky & Cincinnati community, and we’re committed to doing business face-to-face and being your advocate in times of need.
Here are a few reasons why Intelli Choice Insurance should be your first and last stop when looking for insurance:
  1. We work for you when you have a claim.
  2. We are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
  3. We are your consultants, working with you as you determine your needs.
  4. We are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.
  5. We offer one-stop shopping for a full range of products, including home, renters, auto, business, life, and more.
  6. We can periodically review your coverage to keep up with your changing insurance needs.
  7. We are committed to customer satisfaction – it’s the key to our livelihood.
  8. We treat you like a person, not a number.
  9. We are licensed professionals with strong customer and community ties.
There is a difference. To find out how our independent insurance agency can help you find the right insurance coverage, contact us today.