insurance agent near me

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 homerentersautobusinesslife, 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.

Home Security Tips

Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it’s home improvement or home security.
And nowadays, there are more options than ever when it comes to home security, so we here at Intelli Choice Insurance want to help you sort through those options with a few tips.
Do-it-yourself options
The widespread availability of electronic tools means that homeowners can set up their own monitoring systems if they choose, without the help of a home-security company.
  1. Cameras: Smaller and more inexpensive than ever, cameras can be placed nearly anywhere on the exterior of your home and monitored from inside wirelessly – or set to record footage for review later. Available software even allows you to point your laptop camera in a particular direction (say, at the front door) and check the images from a remote location.
  2. Lights: Motion-detecting floodlights are an excellent deterrent to thieves, because they don’t want to be seen. If you add these, make sure they’re installed near entryways, and that they aren’t easily reached from the ground. And using timers for interior lights is a good way to give the appearance that your home is occupied.
  3. Alarms: Vibration alarms are available for windows, alerting you if someone is trying to get in. Similarly, other monitors can be installed near doors and programmed to sound if a person comes within a set distance. Some even emit barking sounds to make it sound like a dog is in the house.
Even if you aren’t interested in installing security equipment around your home, there are a number of things you can do to increase safety:
  1. Keep your home locked. It sounds simple, but you’d be surprised how many people leave windows or doors unlocked. Make sure that sliding doors and windows have extra security, such as a track lock or dowel in the track.
  2. Don’t leave a key outside. If you need to provide access to your home while you’re away, leave your key with a trusted neighbor or friend, not under the doormat
  3. Watch the landscaping. Thick shrubs and bushes around your porch or yard can give thieves a good place to hide. Keep them well-trimmed and ensure that problematic areas can be illuminated with your outdoor lighting.
  4. Use common sense. If you’re going away on vacation, cancel your newspaper and other deliveries. Ask a neighbor to keep watch, and park a car out front. Don’t post publicly on social media or leave a message on your answering machine or voicemail indicating that you’ll be away for an extended period.
Burglars really do consider deterrents such as alarms, cameras, dogs, etc. when looking at targets, according to a study released by the University of North Carolina. So a small investment in security can make a big difference!
Contact Us!
At Intelli Choice Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 513-777-3606 or send us a note at Brandon@intellichoiceinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Will my homeowner’s insurance cover my claim?

The cost to rebuild your home is its replacement value. This can be very different from the estimated market value or actual purchase price. In most cases, it costs more to rebuild the home you own than to buy a new one.

 

How much home insurance is enough?

Intelli Choice Insurance understands the Northern Kentucky & Cincinnati home insurance needs of our customers. We’ll work with you to estimate the replacement cost for your home and to adjust your policy limits from time to time as needed.
It is critical that you provide us with accurate, updated information about your home and contents. If your dwelling limit accurately reflects your home’s true replacement cost, some companies will pay more than the limit if a covered loss is greater than the limit on your policy.
Once a review of your home and possessions indicates you are properly insured, it’s a good idea to reexamine your coverages and limits from time to time, especially whenever you make additions or improvements. Intelli Choice Insurance can help you re-evaluate your Northern Kentucky & Cincinnati home insurance needs. Just call and speak with one of our agents.

 

 

Be Sure You Have Enough Home Insurance Coverage

Here are some steps you can take to reduce the danger of being seriously underinsured:
  1. Call Intelli Choice Insurance - If you have questions or concerns about the limits in your policy, ask us to show you how those amounts were calculated. This will also give you an opportunity to make us aware of any overlooked information.
  2. Read your policy - Certain property, such as jewelry, and certain perils, such as earthquake or flood, is better insured separately. Knowing what is covered and for how much will help you insure properly. If there is anything in your policy you don’t understand, contact us and ask for an explanation.
  3. Review - At each annual renewal of your policy, you receive a new Policy Declarations page showing limits of coverage and optional coverages. Review this information. If you do any significant remodeling or add a family room, extra bedroom or bathroom, etc., tell us about these changes so your coverage limits can be adjusted to cover the improvement.
  4. Consider carefully whether your policy provides all the protection you need.
  5. Does it provide coverage for extra costs resulting from building code changes?
  6. Does it automatically increase coverage limits annually to keep pace with inflation?
  7. Does it provide additional funds if the cost of rebuilding your home exceeds the policy limits?
Make sure you know:
  1. Will your insurance company stand behind agreed upon repairs after a claim? Some companies are willing to put this guarantee in writing.
  2. Does your policy include replacement cost coverage for contents (clothing, furniture, appliances, and other personal property inside your home)? If not, you can add it by endorsement. The cost is small, but the protection valuable. Replacement Cost Coverage pays for losses to your possessions at the cost of brand new items. Without this option, a covered loss to your personal possessions would be depreciated by their age and condition, reducing the size of your claim settlement.
If you have an art collection, antique furniture, jewelry, or other valuable possessions, ask Intelli Choice Insurance about supplemental coverages, such as fine arts or scheduled property endorsements, to adequately protect your investment in these items. The cost is modest for the extra protection, and often the deductible is waived.
Consider whether you should have more coverage for personal property (contents) than your policy provides. Personal property coverage is usually 70% of the coverage limit for the structure. Your limit may be lower than 70%. Supplemental protection is available for a small additional premium.

 

Inventory your home
Prepare an inventory of personal property items , update it periodically, and keep it in a safe place outside your home, such as a safe deposit box at your bank. It will save you hours of time trying to list everything damaged or destroyed if you need to make a claim. It will also help ensure you don’t forget some items. We can advise you on ways to simplify the job of preparing a personal property inventory such as videotaping each room with descriptive information on the sound track.

 

Personal Liability
Besides making sure you have enough protection to cover possible damage to your own home and contents, you should also evaluate your exposure to liability risks. These result from damage to the property of another, or injury to a person, not a member of your household, for which you can be responsible.
In recent years it’s become common for homeowners to be sued for injuries or damages to others, even when there is no evidence of negligence by the homeowner. The reality today is if you have any appreciable assets, you are exposed to the risk of being sued. Even if you ultimately prevail in court, your legal fees and the months or years of worry and uncertainty can be a terrible burden on you and your family.
The Personal Liability coverage provided by your Homeowners Policy usually provides a limit of $100,000 or $300,000. We recommend increasing this protection with a personal umbrella policy. Not only will it increase your personal liability, but also your auto liability. Limits are available from $1 million to $10 million and beyond. The cost of this coverage is usually very reasonable.
Keep in mind that Kentucky requires certain minimum levels of coverage. The right coverage for you is unique – talk to Intelli Choice Insurance today to find out how to get the best price and value on home insurance for you.