Understanding Flood Insurance: Essential Protection
Floods are one of the most common and costly natural disasters in the United States, yet many homeowners are surprised to learn that standard homeowners insurance policies typically do not cover flood damage. That's where flood insurance comes in. At Intelli Choice Insurance, we're here to help you understand the ins and outs of flood …
Securing Your Legacy: Estate Planning and Life Insurance
A comprehensive financial strategy includes estate planning and life insurance. Yet many individuals overlook their importance in securing their legacy and providing for their loved ones. At Intelli Choice Insurance, we believe that understanding the significance of estate planning and life insurance is essential for protecting your assets and ensuring your wishes are fulfilled. Estate …
Understanding Insurance Needs for Women
In today’s world, securing life insurance is a critical step for anyone looking to protect their family’s financial future. Yet, recent data highlights a significant gap in coverage for women, underscoring the importance of tailored insurance solutions to meet their unique needs. According to a 2023 LIMRA report, while the majority of women understand the …
Tailored Protection for Small Businesses
Small businesses are the backbone of our economy, each with its own set of challenges and risks. While standard insurance policies offer foundational coverage, many small businesses require specialized insurance options to adequately protect their operations. At Intelli Choice Insurance, we understand the unique needs of small businesses and offer tailored coverage solutions to ensure …
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 …
Understanding Disability Insurance
Disability insurance is often overlooked, yet it's a crucial component of a comprehensive financial plan. Unlike other types of insurance that protect against property damage or medical expenses, disability insurance provides income protection in the event that you are unable to work due to illness or injury. At Intelli Choice Insurance, we believe that understanding …
Demystifying Life Insurance
Life insurance is often viewed as a complex and intimidating topic, but it doesn't have to be. At Intelli Choice Insurance, we believe that understanding the basics of life insurance is essential for making informed decisions about your financial future. Let's demystify life insurance and explore why it's an important tool for protecting your loved …
Protect Yourself with Umbrella Insurance
In today's litigious society, lawsuits can arise unexpectedly, leaving individuals and businesses vulnerable to substantial financial losses. While standard insurance policies provide essential coverage, they may not always offer enough protection against high-dollar liability claims. That's where umbrella insurance comes in. At Intelli Choice Insurance, we're here to help you understand the value of umbrella …
Navigating Health Insurance Options
In today's complex healthcare landscape, choosing the right health insurance plan can feel like navigating a maze. With so many options available, it's easy to feel overwhelmed and unsure about which plan is best suited to your needs. At Intelli Choice Insurance, we understand the importance of finding the right coverage to protect both your …
The Importance of Comprehensive Vehicle Insurance
Comprehensive vehicle insurance is a type of coverage that protects your car against damage or loss from events other than collisions. While it's not required by law in all states, comprehensive insurance provides valuable protection that can help you avoid financial hardship in the event of unexpected incidents. Here's why comprehensive vehicle insurance is essential:
Top Tips For Saving Money On Home Insurance
Home insurance is a crucial investment that provides financial protection for your property and belongings in the event of unexpected disasters or accidents. While it's essential to have adequate coverage, there are several strategies you can use to save money on your home insurance premiums without sacrificing the quality of coverage. Here are some top …
Navigating Commercial Insurance
Businesses of all sizes need protection against a range of potential threats and liabilities that only commercial insurance can provide. Understanding the basics of commercial insurance is essential for business owners to ensure they have the appropriate coverage to safeguard their assets and mitigate financial risks. Commercial insurance encompasses various types of coverage tailored to …
How Insurance Can Support Gig Economy Workers
In the modern gig economy, where freelancers, independent contractors, and temporary workers thrive, traditional notions of employment and benefits are evolving rapidly. While the gig economy offers flexibility and autonomy, it also presents unique challenges and risks, particularly when it comes to financial stability and security. At Intelli Choice Insurance, we believe that insurance plays …
Understanding Long-Term Care Insurance
Long-term care insurance is a valuable financial tool designed to help cover the costs of care services for individuals who need assistance with activities of daily living due to chronic illness, disability, or aging. One common question many individuals have about long-term care insurance is whether it covers the expenses associated with nursing home care. …
What is an escrow account?
Escrow accounts are a common component of homeowner's insurance, often integrated into the mortgage process. But what exactly is an escrow account and how does it work? Let's delve into the details to understand its role in homeowner's insurance. An escrow account is a financial arrangement established by a mortgage lender to hold funds for …
Is My Employer-Sponsored Life Insurance Plan Enough?
Life insurance is a critical financial tool that provides protection and peace of mind for you and your loved ones. Many employers offer life insurance as part of their benefits package, but is the coverage provided by your employer-sponsored plan sufficient to meet your needs? In this blog post, we'll explore the factors to consider …
How to Offer Your Employees Health Insurance
As a business owner, providing health insurance benefits to your employees can be a significant factor in attracting and retaining top talent while also promoting the well-being and productivity of your workforce. However, navigating the process of offering health insurance can seem daunting. Here's a step-by-step guide to help you offer health insurance benefits to …
Does Homeowners Insurance Cover Pet Damage
Pets are cherished members of our families, but they can sometimes cause accidental damage to our homes. Whether it's a curious puppy chewing on furniture or a cat knocking over a valuable vase, pet-related incidents can result in unexpected repair costs. This leads many homeowners to wonder: does homeowners insurance cover pet damage? In most …
How Does My Credit Score Affect My Insurance Premium
Your credit score is a crucial factor that impacts various aspects of your financial life, from obtaining loans to securing favorable interest rates on mortgages. However, what many people may not realize is that it also plays a significant role in determining your insurance premiums. Understanding the relationship between your credit score and insurance rates …
Dog Bite Liability
As a local insurance agent, it is important to understand the liability associated with dog bites. According to the Insurance Information Institute (III), there are around 4.5 million dog bites in the United States each year, and the average liability insurance claim for dog bites is $17,5971. This is why it is crucial for dog …
Demystifying Employee Insurance Coverage
Entering the workforce or transitioning to a new job can be an exciting yet overwhelming experience, especially when faced with the intricacies of employee insurance coverage. To ease this transition and empower you to make informed decisions, let's delve into the world of employee insurance and break down the key aspects you need to know.
The Benefits of Bundling Insurance Policies
In the world of insurance, bundling isn't just for convenience—it's a strategic move that can yield a plethora of benefits. Bundling insurance policies involves purchasing multiple types of coverage from the same insurance provider. This approach is gaining popularity due to its potential to save you money, simplify your insurance management, and provide enhanced coverage. …
The Importance of Cyber Liability Insurance in Today’s World
In an age dominated by digitalization, where businesses rely heavily on technology and data, the threat of cyberattacks has never been more real. The importance of safeguarding sensitive information has prompted the emergence of a critical insurance solution: cyber liability insurance. Let's explore why this type of coverage is a non-negotiable necessity in today's interconnected …
The Evolution of Employee Insurance: Trends and Innovations in Coverage
In the rapidly changing landscape of the modern workplace, employee insurance coverage is undergoing a transformative evolution. As companies recognize the importance of employee well-being and the competitive edge that robust benefits packages offer, a slew of innovative trends are shaping the future of insurance coverage. One of the most impactful trends in employee insurance …
Top 5 Insurance Policies Every Small Business Owner Needs
As a small business owner, you know how much time, effort, and money it takes to build a successful company. You've worked hard to get where you are, and you want to protect your investment. That's where insurance comes in. Insurance is essential for every small business owner, as it can protect your company from …
What’s the difference? Term, Whole, and Universal Life Insurance
As insurance agents, we understand that choosing the right type of life insurance can be overwhelming. With so many options available, it's easy to get confused. In this blog post, we'll explain the difference between term, whole, and universal life insurance, and help you make an informed decision. Term life insurance is a type of …
Can I Get Insurance After I Get in an Accident
Getting into a car accident can be a frightening and stressful experience, but it's important to remember that you are not alone. Many people have been in accidents before and have had to navigate the insurance process afterwards. If you're wondering whether you can get insurance after an accident, the answer is yes, you can, …
What Kind Vehicle Insurance Do I Need?
Vehicle insurance is an essential part of car ownership. It is a legal requirement in most countries, and it helps protect you financially in case of an accident or damage to your vehicle. However, with so many types of insurance policies available, it can be overwhelming to know what kind of coverage you need. In …
Which Insurance for What Coverage?
Insurance is a crucial aspect of financial planning, protecting individuals and businesses against the unexpected costs of unforeseen events. There are several different types of insurance, each with its own unique features and benefits. In this blog, we will compare some of the most common types of insurance, including life insurance, health insurance, and car …
About Coastal Property Insurance
Coastal property insurance is a type of insurance that provides protection to homeowners and businesses located in coastal areas against losses that may result from natural disasters and weather-related events such as hurricanes, floods, and storms. Property owners living near the coast need to consider purchasing coastal property insurance to protect their property. The cost …
Navigating the Path to Successful Insurance Claims: A Guide to Filing with Confidence
As a Dave Ramsey trusted provider, Intelli Choice Insurance is committed to providing valuable, expert advice to our customers. Today, we'll walk you through the process of filing an insurance claim, whether you're dealing with homeowners or auto insurance, and events such as floods or auto accidents. We'll cover everything from gathering the necessary information …
Homeowner’s Insurance May Not Cover You In The Case of Floods
Homeowner's insurance is a great way to cover your property in case of disasters like theft, fire, and hail. However, floods in the United States cumulatively cause billions of dollars of damage per year, and yet they are almost never covered by standard homeowner's policies. If you live in an area prone to flooding you …
Things You Need to Know If You Don’t Have Life Insurance
Everything associated with your death becomes harder without life insurance. While policies come in different sizes with their own particularities and specialties, the primary purpose of life insurance is to increase the financial stability of your survivors. Your loved ones will be facing many issues should you die unexpectedly including: worrying about paying final expenses, …
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 …
4 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 …
Wealth Planning
Wealth planning is a crucial aspect of securing your financial future. It involves taking a proactive approach to managing your finances to build and protect your wealth. By developing a comprehensive wealth plan, you can achieve your financial goals and protect your assets for future generations. The first step in wealth planning is to set …
Protect Your Future
Life insurance plays a vital role in safeguarding the financial well-being of your loved ones once you are no longer around. With various types of life insurance policies available, such as term life insurance, whole life insurance, and universal life insurance, it is crucial to choose the right one based on your present financial situation, …
Saving for Retirement
Saving for retirement is one of the most important financial goals that everyone should strive for. Retirement may seem far away, but the sooner you start saving, the more time your money has to grow. Here are some tips to help you achieve your retirement goals. Start as early as possible: The earlier you start …
Shopping for Car Insurance
Shopping for car insurance can be a daunting task, especially if you're new to the process. With so many options to choose from, it can be overwhelming to know where to start. But with a little bit of knowledge and some helpful tips, you can find the right coverage for your needs and budget. The …
Understanding The Basics Of Life Insurance
Life insurance is a policy that pays a benefit to your loved ones upon your death. It is designed to provide financial protection to your family in the event of your untimely demise. Understanding the basics of life insurance can help you make informed decisions about protecting your loved ones’ financial future. The two most …
What Homeowner’s Insurance Coverage Should I Have
As a homeowner, it's important to have adequate insurance coverage to protect your investment and personal belongings in the event of an unexpected event such as a fire, theft, or natural disaster. While insurance policies can be complex and vary depending on your specific needs, here are some key areas to consider when choosing your …
Surprising Things Insurance Will Not Cover
Insurance is a type of contract that provides financial protection to the policyholder against future uncertainties. It is designed to help individuals and businesses manage risks and minimize potential financial losses. However, there are some surprising things that insurance may not cover, which individuals should be aware of to avoid being caught off guard. One …
3 Surprising Things Insurance Can Cover
The Unusual Trio: 3 Surprising Things Insurance Can Cover When it comes to insurance, many people think about the standard types such as life, auto, and health. However, insurance policies can cover a wide array of unique and unexpected situations. Here are three surprising things that some insurance policies cover, which showcase the versatility of …
Does My Insurance Policy Cover Floods? Get the Facts on Floods Insurance Coverage
Flood insurance policies protect homeowners, renters, and businesses from damages and property losses caused by natural floods. If, for example, your hot water heater goes out and floods your basement, flood insurance would not cover the damages but your homeowner's policy might. If heavy rain causes a river to rise and flood your home, flood …
What does it mean to be a Ramsey Trusted Provider?
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 …
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 …
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 …
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 & …