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Updates and Recent News from Advantage Insurance Agency:

Give the Gift of a Safe Ride Home — Be a Designated Driver
Tuesday, December 27, 2016

If you're like many Americans (or at least the Americans who took this Trip Advisor survey), you're traveling sometime over the next ten days and apparently not playing the song Santa Baby. You're heading to see family and friends, or maybe attending a fancy soiree to ring in 2017. You may choose to celebrate with a couple beverages. Or you may choose to provide a great gift for your friends and family — a safe ride home with someone who's not consumed any alcohol — by being a designated driver.
The designated driver is an important and necessary role, especially during the holidays. According to National Highway Traffic Safety Administration (NHTSA) statistics, December 23 and January 1 are historically two of the top ten deadliest days on the road. In just the second half of December 2011, 395 people were killed in drunk driving crashes. Overall, an average of 25 people a day die in December because of alcohol-impaired driving.
While alcohol isn't the only factor that can cause crashes, it's what the NHTSA is focusing on for their holiday campaign — "Drive Sober or Get Pulled Over." Here's how you can plan to stay safe over the holidays.
If you plan on drinking, know how you're going to get home:
Designate a sober driver
Use a taxi
Have a sober friend or family member on call to pick you up
Take public transportation
Use a community sober ride program if there's one in your area
If you're a driver:
Drive sober!
Keep your focus on the road, because distracted driving can be as dangerous as drunk driving
Don't drive while sleepy
Drive defensively, watch for erratic behaviors of other drivers
If you see a drunk driver, don't hesitate to contact your local law enforcement
Remember, don't get behind the wheel after drinking. If you notice someone who is about to drive while intoxicated, take their keys and help them make other arrangements to get to home safely. We want you to celebrate responsibly because your safety is important to us.
Ride safe with these motorcycle tips
Wednesday, June 01, 2016

Motorcyclists know that riding gives them a freedom that driving a car just can’t match. But the best riders also know that motorcycles require more focus to operate and don’t provide the same protections cars do in the event of a crash. The best riders also take great care in all situations, whether they’re in heavy traffic on Route 8, stuck in the rain or just taking a quick ride on a perfect day.

If your habits aren’t as safe as they could be, or if you’re new to motorcycling, don’t worry! Instead, take time to improve. The quick safety tips below are a great place to start.

Want more? Check out the Motorcycle Safety Foundation (http://www.msf-usa.org) or the American Motorcyclist Association (www.americanmotorcyclist.com). And remember to give us at Advantage Insurance a call at 330-940-2288 when you need to get coverage for your bike (or your home or auto, boat or more)!

First things first
• Wear proper safety gear and, most importantly, a helmet – no matter how short your trip may be.
• Make sure you can be seen by other motorists. Make it easier for them by wearing reflective clothing, always using turn signals (and perhaps hand signals as well) and keeping your headlight on.
• Even when taking the above precautions, stay alert and assume that other drivers don’t see you — especially at intersections and when making lane changes or passing.
• Be patient. Don’t tailgate, and if someone is tailgating you, get out of their way.
• Don’t ride after drinking or taking any medications that could impair your abilities.

Riding at night
• Again, make sure you’re visible — particularly at dusk. Consider upgrading your headlight or adding other lights to your ride. Is your bike black? What about your clothing? Both will make you more difficult to see at night.
• Your vision needs to be clear, so keep your visor or goggles clean and free from scratches. If you don’t use face or eye protection, consider it.
• Carry a flashlight or other emergency gear with you so a mechanical problem doesn’t leave you stranded — and invisible — on the side of a dark road.

Bad weather?
• Keep rain and cold-weather gear handy. Riding isn’t just more enjoyable when you’re warm and dry — it’s safer, too.
• Use extreme caution when it first begins to rain, as the roads are most slick at that point. Pull over and wait if necessary. It’s better to be late than ride in unsafe conditions.

We wish that all of your rides could be on sunny days with wide-open roads, but we know that’s not going to happen. So think about safety every time you start up your bike!
Maintenance tips to prevent accidents
Monday, May 02, 2016

Tires
According to the National Highway and Traffic Safety Administration, 9% of all car crashes in the United States were preceded by some sort of issue with the tires of the vehicle (e.g. tread separation, under-inflation, or blowouts). Properly maintained tires improve gas mileage, stopping ability and handling of the vehicle.

Check the air pressure in your tires (including the spare) at least once a month. This will also give you the chance to check for cracks in the sidewall and the amount of tread on the tires. Rotate your tires every 6,000 miles, or as often as the vehicle's manufacturer recommends. A periodic alignment of the tires will ensure even wear and extend the life of your tires. Check your owner's manual for specific information about tire pressure, rotation and alignment.

Brakes
Fewer accidents are completely attributed to failure or degradation of brakes than tires, but poorly maintained brakes still contribute to thousands of accidents every year. When brake pads wear down too far, they can damage the rotors, leading to costly repairs and possible brake failure. Inspect the pads and rotors for wear annually. Take your vehicle in for repairs if you start hearing squeaking or scraping, your vehicle veers to one side or the brake pedal pulses when braking. These are signs of worn brakes and will lead to diminished braking capability.

Windows and lights
Clear visibility gives you the extra time needed to react in an emergency situation. Keep your windows (both inside and outside), mirrors and lights clear of obstructions and as clean as possible. Try to walk around your car once a month to check that all of your lights still work. You should also change your wiper blades every six months, earlier if they begin streaking. If you are having trouble seeing the road at night, there is a possibility that your headlights are out of alignment. Luckily, this is generally a cheap and easy fix.

Fluids
A fluid leak can cause the steering wheel or brakes to stop working or even cause the entire engine to suddenly lock up or overheat. Check the following fluids to keep a vehicle running smoothly and prevent an unexpected mechanical failure while on the road:
• Engine Oil - Check once a month - Contrary to popular belief, most modern vehicles don't require an oil change every 3,000 miles. Check the owner's manual for the recommended frequency. Because oil lubricates all of the moving parts of the engine, if not changed at the recommended interval, the engine could seize and cause catastrophic damage.
• Brake Fluid - Check during oil change - Typically needs to be changed every two years. If there is a sudden drop in brake fluid levels from a leak, the brakes will no longer work. If unchanged for a long period of time, the entire braking system could be damaged from rust, overheating or corrosion.
• Power Steering Fluid - Check once a month - Check the owner's manual, but most models do not require power steering fluid be replaced, but a leak can cause the steering wheel to stop responding.
• Coolant - Check twice a year - Generally needs to be changed every two to three years. Coolant keeps a car from overheating during the warmer months and freezing during the colder months. Never check coolant levels when the engine is hot.
• Transmission Fluid - Check once a month - Transmission fluid should be changed according to the manufacturer's guidelines. Transmission fluid will only be low if there is a leak and should be taken to a mechanic immediately if low in order to prevent damage to the transmission.

In addition to preventing potential accidents, routine maintenance will save thousands in expensive repairs. If you are ever involved in an accident, Advantage Insurance's agents will guide them through the entire claim process and get them back on the road as soon as possible. Call us at 330-940-2288.
The Christmas tree conundrum: real or fake?
Wednesday, December 02, 2015

The kind of tree that adorns a person’s home during the holidays can provoke debate as much as Coke vs. Pepsi or Chevy vs. Ford.

When it comes to Christmas trees, do you choose live or artificial? Do you cut your own at a local tree farm or do you prefer the convenience of a tree bought at local grocery store or home improvement store that won’t shed its needles, doesn’t need water and already has lights?

Both live and artificial trees have their advantages and disadvantages, and we here at Advantage Insurance certainly aren’t going to try to convince you that one is “right.” But in the spirit of giving, we thought we’d provide some information to help you make the best decision for you and your family.

Artificial trees
According to the North Carolina Consumers Council, artificial trees pose fewer safety concerns than live trees, but that’s not to say they don’t have risks of their own. Even fake trees can catch fire when sockets are overloaded with Christmas lights, and it only takes seconds for any tree to become completely engulfed in flames. And yes, flame-resistant artificial trees will eventually succumb to a fire.

When using a pre-lit tree, always follow instructions, and place the tree in an open area where a fire won’t quickly spread to furniture or other things in close proximity.

The benefits of artificial trees, of course, are well-known. They’re convenient and often less messy than real trees. You can re-use them year after year, saving money and saving the environment. And there’s no need to spend time searching for the perfect tree, since it’s usually easy to adjust the “branches” to your liking.

Live trees
OK, so you want the real deal. That’s great! But you’re going to have to take a little more care than you would with an artificial tree. First of all, pick a tree that’s in good shape. If needles come off easily when you give it a shake or a quick pull on a branch, find another one.

When you get it home, cut off the bottom two inches of its trunk, and fill the tree stand with water regularly. This is the best way to prevent a fire. Remember not to overload it with lights and decorations. And the longer you keep your tree up, the drier— and the more dangerous – it will become.

Dispose of your tree properly as well. Don’t burn it or put it in your fireplace, as a burning Christmas tree can be harder to control than other types of fires.

If you’re a fan of real trees, you probably don’t need us to tell you the benefits. Just take in that smell and enjoy the season!

No matter what tree you choose, the important thing is to keep safety in mind as well. If you do that, your holiday enjoyment will be real, even if your tree isn’t!

Contact Us!

At Advantage 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 330-940-2288 or send us a note at sales@advantagecf.com. We want to help you meet your goals, and make sure what's important to you is protected!
Why an Independent Agent?
Monday, June 15, 2015

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 Advantage Insurance Agency you get choices.
Why? Because independent insurance agencies, like Advantage Insurance Agency, 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 agents, we are members of the Greater Akron area community, and we’re committed to doing business face-to-face and being your advocate in times of need.
Serving Greater Akron and the state of Ohio, here are a few reasons why Advantage Insurance Agency should be your first and last top when looking for insurance.
• We work for you when you have a claim.
• We are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
• We are your consultants, working with you as you determine your needs.
• We are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.
• We offer one-stop shopping for a full range of products, including home, renters, auto, business, life, health, and retirement plans.
• We can periodically review your coverage to keep up with your changing insurance needs.
• We are committed to customer satisfaction – it’s the key to our livelihood.
• We treat you like a person, not a number.
• 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, please contact Advantage Insurance Agency today. Give us a call today at 330-940-2288.
Winter Weather Prep
Tuesday, February 10, 2015

Norman Rockwell wouldn’t much like our view of winter.
We admit it: As insurance pros, our picture of winter isn’t exactly cozy. To us, winter storms mean traffic snarls, hillsides turning to sheets of ice and cars sliding around like hockey pucks.
That chill in the air and those pretty snow-covered roofs? Also trouble. First, there’s freezing pipes. Next, if that snow pack melts and refreezes in your gutter, it can cause an ice dam that reroutes water under your shingles and into your walls.
And, finally, we worry about the fires that aren’t in the fireplace - the ones that start near the overloaded electrical outlet and set the drapes ablaze.
Know what your insurance covers.
Your insurance policy covers repair or rebuilding costs. However, your deductible does apply. Check your policy to see what’s covered and the deductible you’ve chosen. Contact your independent agent to review your options.
When winter storms hit, be smart.
If you don’t have to drive, stay put. If you must drive, make sure you’ve winterized your car and have a full tank of gas.
When the air’s cold, keep bathroom and kitchen cabinet doors open so warm air can circulate around pipes. If pipes do freeze, let them thaw normally - they’ll be less likely to burst.
And if the power’s out, make sure you don’t leave candles or fires burning unattended. If you use a portable generator, follow the instructions and don’t use it indoors.
A picture-perfect winter requires a few precautions.
You can reduce the chance that these hassles or hazards interrupt your happy holidays. Here are a few of our top tips:
Winter-proof your car, with good snow tires or chains, new wiper blades, antifreeze and emergency road supplies.
Keep your attic cool to help prevent ice dams. Insulate the attic floor and make sure it’s well-ventilated.
Don’t overload circuits with all those holiday decorations.
Contact us at 330-940-2288 and we'll make sure you stay on the road.
Insurance FAQ
Tuesday, December 09, 2014

Insurance FAQs provided by Advantage Insurance Agency

Q: What kinds of questions should I be expected to answer when I’m applying for an insurance policy in Ohio. Why do insurers need so much information?
A: When you apply for an insurance policy at Advantage Insurance Agency you will be asked a number of questions. For example, Advantage Insurance Agency might ask your name, age, gender, address, etc. You will also be asked a series of other questions which will be used to determine how likely you are to make a claim.
When Advantage Insurance Agency is deciding whether or not to offer car insurance to a potential customer, we want to know about your previous driving record, whether they have any recent accidents or tickets, and what type of car will need to be insured.
Advantage Insurance Agency offers a variety of programs for different customers. Adults with good driving records will generally pay less for car insurance, than young drivers with traffic tickets. In order to determine which program you qualify for, Advantage Insurance Agency will need basic information about you.
In addition to your age, gender and driving experience, information about the car you drive, and your driving record, is also needed to determine a fair price. For example, a large luxury car costs more to repair or replace than a compact car. Also, someone in Akron, Cuyahoga Falls, Barberton and all of Summit County, who commutes 30 miles each way is more likely to be in an accident, than someone who commutes via bus and only drives on weekends.
Q: What are the advantages to using an agent to purchase insurance?
A: By using an independent agent such as Advantage Insurance Agency, the policyholder receives more personalized service. Having direct contact with Advantage Insurance Agency can be very important when purchasing insurance, and absolutely necessary when filing a claim. Advantage Insurance Agency is able to deliver quality insurance in Akron, Cuyahoga Falls, Barberton and all of Summit County, Advantage Insurance Agency
Ohio with competitive pricing and local, customized service.
Car Insurance FAQs in Ohio
Q: I have an older car whose current market value is very low – do I really need to purchase car insurance?
A: Most states have insurance laws that require drivers to have at least some car liability insurance. These laws were enacted to ensure that victims of car accidents receive compensation, when their losses are caused by the actions of a negligent individual.
Often times the cost of repairing the damages to an older car is greater than its value. In these cases, your insurer will usually just "total" the car and give you a check for the car’s market value less than the deductible. Many people with older cars decide not to purchase any physical damage coverage.
Q: What is the difference between collision physical damage coverage and comprehensive physical damage coverage?
A: Collision is defined as losses you incur when your car collides into another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.
Comprehensive provides coverage for mostly other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.
Q: What factors can affect the cost of my car insurance in Ohio?
A: A number of factors can affect the cost of your car insurance in Ohio -- some of which you can control and some that are beyond your control.
The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your car insurance will cost you in Akron, Cuyahoga Falls, Barberton and all of Summit County, Ohio.
Even your marital status can affect your cost of insurance. Statistics show that married couples tend to have fewer and less costly accidents than those who are single.
Homeowners Insurance FAQs in Ohio
Q: What are some practical things I can do to lower the cost of my home insurance?
A: There are a number of things you can do to lower the cost of your homeowners insurance. The easiest thing to do is request a comprehensive review of your policy and your needs from Advantage Insurance Agency.
It’s not surprising to find quotes on homeowners insurance that vary by hundreds of dollars for the same coverage on the same home. When you shop, be careful to make sure each insurer is offering the same coverage.
Another way to lower the cost of your home insurance is to look for any discounts that you may qualify for. For example, many insurers will offer a discount when you place both your car and homeowners insurance with them. Other times, insurers offer discounts if there are deadbolt exterior locks on all your doors, or if your home has a security system. Be sure to ask Advantage Insurance Agency about any discounts that you may qualify for.
Another easy way to lower the cost of your homeowners insurance is to raise your deductible. Increasing your deductible from $250 to $500 will lower your premium, sometimes by as much as five or ten percent.
Q: What does homeowners insurance cover in Ohio?
A: The typical homeowners policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage for the insured. Almost anyone who owns or leases property has a need for this type of insurance. Usually, homeowners insurance is required by the lender to obtain a mortgage.
Q: What is the difference between "actual cash value" and "replacement cost"?
A: Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When "actual cash value" is used, the policy owner is entitled to the depreciated value of the damaged property. Under the "replacement cost" coverage, the policy owner is reimbursed on an amount necessary to replace the article with one of similar type and quality at current prices.
Q: What factors should I consider when purchasing homeowners insurance?
A: There are a number of factors you should consider when purchasing any product or service, and insurance is no different.
Below is a checklist of things you should consider when you purchase homeowners insurance:
• Determine the amount and type of insurance you will need. The coverage limit of your house should equal 100% of its replacement cost. If your policy limit is less than 80% of the replacement cost of your home, any payment from Advantage Insurance Agency will be less than the full cost to replace your home — you’ll have to pay the rest out of your own pocket. Also, decide if the personal property and personal liability limits are adequate for your needs.
• Decide which, if any, additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement, an earthquake endorsement or a jewelry endorsement?
Once you have decided on the coverage you want in your homeowners insurance policy, please consult us at Advantage Insurance Agency. Advantage Insurance Agency will be able to help you determine if there are any gaps in coverage that you might not have been aware of, explain the details of the policy’s exclusions and limitations, as well as recommend an insurance company that will live up to your expectations.

Q: What are the policy limits (i.e., coverage limits) in the standard homeowners policy?
A: Note: this answer is based on the Insurance Services Office’s HO-3 policy.
The home and other structures on the premises are protected on an "all risks" basis up to the policy limits. "All risks" means that unless the policy specifically excludes the manner in which your home is damaged or destroyed, there is coverage. The policy limit for the home is set by the policy owner at the time the insurance is purchased. The policy limit for the other structure is usually equal to 10% of the policy limit for the home.
Losses to your personal property are covered on a "named perils" basis. "Named perils" means that you have coverage only when your property is damaged or destroyed in the manner specifically described in the policy. The policy limit on the coverage is equal to 50% of the policy limit on the home. Limits for the coverage of additional expenses that the policy owner may incur, when the residence cannot be used because of an insured loss, is equal to 20% of the policy limit on the home.
The coverage limit on personal liability is determined by the policy owner at the time the policy is issued. The coverage limit on medical payments to others is usually set at $1000 per injured person.
Q: Where and when is my personal property covered?
A: Personal property (except property that is specifically excluded) is covered anywhere in the world. For example, suppose that while traveling, you purchase a dresser and you want to ship it home. Your homeowners policy would provide coverage for the “named perils” while the dresser is in transit — even though the dresser has never been in your home before.
Q: Do I need earthquake coverage in Ohio
? How can I get it?
A: The standard insurance policy does not pay for direct damages caused by "earth movement." "Earth movement" is a much broader term than earthquake. It includes earthquake, volcanic activity and other earth movement. This coverage may be available by endorsement for an additional charge. If you live in an area that is susceptible to earthquakes, you’ll pay more on earthquake coverage than if you live somewhere unlikely to have an earthquake. Before you decide to buy earthquake coverage, Advantage Insurance Agency. can help you weigh the costs and benefits based on living in Ohio.
Life Insurance FAQs in Ohio
Q: How much life insurance should an individual own?
A: "Rule of thumb" suggests an amount of life insurance equal to 6 to 8 times annual earnings. However, many factors should be taken into account when determining the right amount of life insurance for you and your family.
Important factors include:
• Income sources and amounts other than salary earnings
• Whether or not you are married and, if so, what is your spouse’s earning capacity
• The number of individuals who are financially dependent upon you
• The amount of death benefits payable from social security and an employer-sponsored life insurance plan
• Whether any special life insurance needs exist - (mortgage repayment, education fund, estate planning need, etc.)
Calculating the correct amount of life insurance to buy in Ohio is not as simple as it appears. We recommend contacting Advantage Insurance Agency at: 330-940-2288 to help determine the right amount of coverage you need. As an independent agent, Advantage Insurance Agency has unbiased advisors that will help you avoid buying too much, show you appropriate and optional coverages for your need, and recommend a company that will best serve your interests in Ohio.
Q: What about purchasing life insurance for a spouse or children?
A: In certain circumstances, it is advisable to purchase life insurance for children. However, generally such purchases should not be made in lieu of purchasing appropriate amounts of life insurance on the family breadwinner(s).
It is of utmost importance that the income-earning capacity of the primary breadwinner be fully protected, if possible, through the purchase of the required amount of life insurance. This should be done before purchasing life insurance for children or on a non-wage-earning spouse. Life insurance on a non-wage-earning spouse is often recommended for the purpose of paying for household services lost due to this individual’s death. In a dual-earning household, it is important to protect the income earning capacity of both spouses.
Q: Should term insurance or cash value life insurance be purchased?
A: This depends on your personal circumstances.
First, recognize that in any life insurance purchasing decision, two questions must be answered:
1. "How much life insurance should I buy?"
2. "What type of life insurance policy should I buy?"
The first question should always be initially resolved. For example, the amount of life insurance that you need may be so large that you can only afford it through the purchase of term insurance, since term insurance has a lower premium.
If your ability to pay life insurance premiums is such that you can afford the desired amount of life insurance under either type of policy, then it is appropriate to consider the second question — what type of policy to buy. Important factors affecting this decision include your income tax bracket, whether the need for life insurance is short-term or long-term (e.g., 20 years or longer), and the rate of return on alternative investments possessing similar risk.
Q: How does mortgage protection term insurance differ from other types of term life insurance?
A: The face amount under mortgage protection term insurance decreases over time, consistent with the projected annual decreases in the outstanding balance of a mortgage loan. Mortgage protection policies are generally available to cover a range of mortgage repayment periods – (e.g., 15, 20, 25 or 30 years.) Although the face amount decreases over time, the premium usually remains the same. Further, the premium payment period is often shorter than the maximum period of insurance coverage — for example: a 20-year mortgage protection policy might require level premiums be paid over the first 17 years.
Q: Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan?
A: Yes. An existing policy, either term or cash-value life insurance, can be used for many purposes, including paying off an outstanding mortgage loan balance in the event of the insured’s death. Although a lender may offer a mortgage protection term policy to you, the lender rarely requires it.
Credit life insurance is frequently recommended in conjunction with taking out an installment loan when purchasing expensive appliances, a new car, or for debt consolidation.
Q: Is credit life insurance a good buy?
A: Credit life insurance is frequently more expensive than traditional term life insurance. If you already own a sufficient amount of life insurance to cover your financial needs, including debt repayment, the purchase of credit life insurance is normally not advisable due to its relatively high cost.
Renters Insurance FAQs in Ohio
Q: Why would I want to buy renters insurance?
A: If you live in an apartment or a rented house, renters insurance provides important coverage for you and your possessions in Akron, Cuyahoga Falls, Barberton and all of Summit County, Ohio A standard renters insurance policy protects your personal property in many cases of theft or damage, and may pay for temporary living expenses if your rental is damaged. It can also shield you from personal liability. Anyone who leases a house or apartment should consider this type of coverage.
Q: How does a renters insurance policy protect my personal property?
A: A renters insurance policy provides named perils coverage. This means that the policy only pays when your property is damaged or destroyed by any of the ways specifically described in the policy. These usually include:
• Fire or lightning
• Windstorm or hail
• Explosions
• Riots
• Aircraft
• Vehicles
• Smoke
• Vandalism or malicious mischief
• Theft
• Falling objects
• Weight of ice, snow, or sleet
• Accidental discharge or overflow of water or steam
• Freezing
• Sudden and accidental damage from artificially generated electrical current
• Volcanic eruptions (but this doesn’t include earthquake or tremors)
Renters insurance coverage applies to your personal property no matter where you are in the world. This means you’re covered when you are on vacation as well as at home.
Q: Why do some apartment complexes require tenants to have renters insurance?
A: Owners of apartment complexes buy insurance policies for their liability in order to cover their buildings and personal property. However, these policies do not cover any of the tenant’s property or liability. By requiring their tenants to have renters insurance, the apartment owner is assured that the tenants will not mistakenly believe the apartment complex owner’s policy will provide coverage for a tenant’s property or personal liability. Although this type of requirement benefits the apartment complex owner, there are benefits for the renter as well. At Advantage Insurance Agency we recommend you purchase renters insurance regardless of what your landlord requires.
Q: What if I share my apartment with a roommate? Do we both need to have renters insurance?
A: Standard renter’s policies cover only you and relatives that live with you. If your roommate is not a relative, each of you will need your own renter’s insurance policy to cover your own property and to provide you liability coverage for your own actions.
Umbrella Insurance FAQs in Ohio
Q: What is a personal umbrella liability policy?
A: The personal umbrella liability policy is designed to increase your liability protection. This single policy acts as an "umbrella" over all of your other personal liability policies — home, car, boat, RV, etc., so you have a higher personal liability limit, than what would otherwise be available. In certain circumstances, an umbrella insurance policy may provide personal liability coverage that is otherwise excluded from your other policies. For example, an umbrella insurance policy provides coverage anywhere in the world, whereas your car insurance policy usually provides coverage in only the US and Canada.
Q: How do I know if I need a personal umbrella liability policy?
A: It used to be that the only people who needed personal umbrella liability policies were wealthy individuals, who had sizable amounts of personal assets that would be at risk in a lawsuit.
However, in our very litigious society, even individuals with modest incomes and assets are often subjects of large lawsuits. Since those with modest incomes are even less able to pay damages than a wealthy individual, Advantage Insurance Agency recognizes the need to provide coverage limits greater than what can be obtained from their homeowner insurance or car insurance policies.
Four Questions To Get The Right Auto Insurance
Monday, December 01, 2014

Using the right tool for a job is key to success in any profession. Experts say the same principle applies when selecting an auto insurance policy. Having the right type of policy can help ensure that you, your employees and your business are all protected in the unfortunate event that one of your vehicles is involved in an accident.

If you’re a business owner and you or your employees use a vehicle for business-related deliveries or to carry certain materials to and from a job site, you may need a commercial auto insurance policy that’s tailored to more closely suit the needs—and risks—of a business vehicle operator.

Here are some questions that can help you determine if you might need a commercial auto policy instead of a personal auto policy, courtesy of Advantage Insurance Agency.

• Do you need more liability coverage than your personal auto policy provides? Generally, a commercial auto policy provides higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.

• Do you need special coverage for situations associated with con-ducting business? Commercial auto policies also usually offer certain coverages—such as hired and non-owned auto coverage and coverage for towing a trailer for business use—that are not available with personal auto policies.

• Do you need to list any employees as drivers? You can do this with a commercial auto insurance policy.

• Do you use your vehicle for business purposes? If you use your vehicle for things like pizza or newspaper delivery, catering, door-to-door consulting service, landscaping or snowplowing service, logging business, day care/church retreat van service and/or farm-to-market delivery, you might need a commercial auto policy.

Advantage Insurance Agency is an independent insurance agency – trained, licensed insurance professionals who offer personal service and advice. We can help match you with the type of policy that best suits your needs and those of your company.

To learn more about all an independent agency offers, visit www.advantageinsuranceonline.com or give us a call at 330-940-2288
Protecting Your Home from Old Man Winter
Wednesday, October 29, 2014

by Donna Fuscaldo
Published September 24, 2014
FOXBusiness


Old man winter will be here before we know it and many are predicting another bad season.
While keeping warm will be a major consideration, protecting your home from damage should also be top on that list. After all, bad weather is the number one culprit for roof damage and many of that occurs during the winter months.
“With the potential for heavy snow or cold weather you always want to make sure you are prepared,” says Jim Gustin, senior property specialist, risk control, at Travelers. “You don’t want to find out when a storm hits these things need to be done.”
According to an analysis of claims data, Travelers found roofing damage was primarily driven by wind and hail. Other weather related water damage, the weight of ice or snow and lightening, can also cause harm. The claims from roof damage can tend to get costly, which is why Gustin says preparation is the key to protecting your roof and thus your pocket book this winter. “As we move into the fall and start getting into winter these preparations need to be done,” says Gustin.
Take a stroll to protect your roof
An easy, but important step to prepare your roof for the winter months is to take a walk around the perimeter of the home to see if there are any branches that are too close to the roof and can cause damage if there is high wind or heavy snow. Gustin says to get rid of any overhanging branches, clean out gutters and down spouts and check the roof for any previous damage that went unfixed. Gustin says to also make sure the flashing on the roof, which helps prevent water from penetration, is in good condition at any part where there is the chance water can get in such as a dormer, windows or skylights.
It’s also a good idea to add extra insulation in the attic to guard against ice dams, which is solid ice that builds up on the eaves of your roof and can damage your gutters and roof and cause water to get inside. If you live in an area that is prone to hail and you’re roof needs fixing, you may want to use impact resistance roofing material, which will even save you money on your homeowner’s insurance in some states and with certain insurance carriers.
While your roof is going to be a costly repair there are other areas of your home that needs to be protected from inclement weather. According to Travelers to prevent any pipes from freezing, which can cause flooding and water damage, make sure pipes exposed to cold weather are insulated properly and that the thermostat is turned up when its extra cold out.
Ensure everything is working
Your furnace needs to be working properly, particularly if it gets very cold out, which is why now is the time to ensure it is in good condition. Hold off until it gets cold out and you’ll be waiting a while to get it repaired and will likely pay top dollar for those fixes. Travelers suggests you get your furnace cleaned and inspected on an annual basis. Your chimney should also be inspected and maintained yearly.
An easy way to keep your home warm and damage free and also save money on heating and cooling is to make sure all the caulking around doors, windows and electric outlets are in good shape. Find any signs of deterioration, then spend the time to replace or repair it now before a problem arises. Caulking shouldn’t stop at exterior facing spaces in your home. Experts say you also want to make sure the caulk around showers, bathtubs, sinks and toilet bases are also in good shape.
Even with all the preparation in the world you can’t 100% proof your home from winter weather and the damage it can cause. Because of that Gustin says you need to ensure you’ve installed smoke detectors on each floor and that they actually work. He suggests testing them monthly and changing the battery annually or when needed.
Call Advantage Insurance to find out if your home is properly covered before winter strikes 330-940-2288.
3 Common Home-Insurance Gaps to Fill
Friday, October 10, 2014

You may already know that homeowners insurance doesn't cover flood damage or sewage backup. But what about things your policy covers, but might not cover sufficiently?
Replacing your home. In the event of a disaster that leads to a total loss, your policy pays up to the dwelling limit. If that's less than the cost to rebuild your home, you have to make up the difference. Your insurer estimates the cost to rebuild, but to make sure its estimate is accurate, use an online calculator. To get full replacement coverage for partial losses, most insurers require you to have a policy with a dwelling limit of 80% or more of the insurer-estimated cost to rebuild, notes Bill Wilson, associate vice-president of the Independent Insurance Agents & Brokers of America.
Your policy should include an inflation guard clause keyed to regional costs that adjusts your coverage every year. Also, make sure your policy has extended replacement cost -- ideally, for 20% to 25% above the dwelling limit; you can add it as an endorsement for about $50. If you have to rebuild your home to bring it up to current code, you'll need ordinance and law coverage. You should be able to bump up your coverage to 25% of the dwelling limit for about $50 a year.
High-value belongings. All policies cover your personal property, typically up to 50% of your dwelling limit. But policies generally limit reimbursement for jewelry, silverware and collectibles, such as stamps and coins, to $1,000 to $2,500. Most policies cover you if items are stolen but not if they are lost or damaged. Plus, they pay out actual cash value (depreciated based on the age of the item) rather than replacement cost.
If you buy a rider ($10 to $20 per $1,000 in coverage a year for jewelry and silver, for example), you can collect the replacement cost if you file a claim. It also eliminates the deductible and covers mysterious disappearance and breakage for fragile items.
Home office. Most homeowners policies limit coverage for business equipment to $2,500 and provide no liability coverage for business use of your home. If you have clients or delivery people coming to your home office regularly, or you have more than $2,500 in equipment used for business, you'll need more coverage. A separate home-office policy can provide liability and contents coverage for a couple hundred dollars a year.
Call us today to find out more about these coverage's and if you need more or less than you already have, 330-940-2288.
Copyright 2014 The Kiplinger Washington Editors
A little extra caution can go a long way while driving at night
Friday, October 03, 2014

Summer has ended, and while fall and winter have their own pleasures — including skiing, snowboarding and snowmobiling — longer nights mean increased danger on the roads.

You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the National Safety Commission (NSC).

Because we’re big advocates for safety at Advantage Insurance we thought it would be helpful to take a look at why night driving is more dangerous, and what you can do to decrease that danger.

What’s dangerous about night driving?
1. Decreased vision. We won’t go into all the biological details, but different parts of the eye (such as iris, pupil and retina) work differently at night. Your peripheral vision is actually slightly improved, but it’s more difficult to focus on objects ahead of you. And traveling between well-lit areas and darker roads creates issues as well.
2. Driving too fast for your headlights. Depending on vehicle speed and headlight setting, many people “over-drive” their headlights. That means, by the time they see something on the road, it’s too late to stop in time to avoid it.
3. Impaired judgment. Whether due to drowsiness or the use of alcohol or drugs, it appears that drivers at night often don’t use good judgment. According to the NSC, 66% of fatalities at night involve vehicle occupants who weren’t wearing seat belts.

So what do you do?
Sometimes, there’s no way around driving at night. So here are some tips to help you make a safe trip — whether you’re just running to the store, or you’re headed all the way to downtown Cleveland.
1. Make sure your vehicle’s lights are in good working condition. And not just headlights, but turn signals, taillights, etc.
2. Avoid speeding. Leave a bigger cushion between you and other cars than you would during daylight hours. Leave yourself more time for the trip.
3. Be more aware of your surroundings. You shouldn’t be using your phone, messing around with the radio or trying to find something on the floor while you’re on the road anyway — and distractions are even more deadly at night.

Of course, if you’re not comfortable driving at night, the best thing is to avoid it altogether if possible. There’s nothing wrong with asking for a ride from a trusted safe driver or waiting for the sun to come out!

We’re open all day!
When you’re driving around during the day, stop in to Advantage Insurance for a review of your coverage. We won’t keep you after dark, we promise. Just give us a call at 330-940-2288. We’re here to help!

Contact Us!

At Advantage 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 330-940-2288 or send us a note at aprobst@neo.rr.com. We want to help you meet your goals, and make sure what's important to you is protected!
Tornado truths that can help you stay safe
Friday, September 12, 2014

Tornadoes have caused severe and irreparable damage to tens of thousands of Americans and their property in recent years. On top of the physical and emotional fallout, many have also lost their lives as a direct result of a tornado.

Although you can never control the weather or the outcome of a destructive storm, there are steps you can take to help you and your family remain protected in the event of a tornado. Those steps of action begin with knowing fact from myth.

Here are a few tornado truths that could help keep you and those you love safe:

? When indoors, shut all windows and doors. Do not leave them open in an attempt to follow the mythical need to “pressurize” your home because the result would more likely be debris flying through the window and causing severe harm, or wind pressure working to lift the roof off the house from the inside.

? If you are inside your home or other structure, retreat to the lowest level (a basement is ideal) or the room closest to the middle of the home or farthest from windows and doors. Do not seek a “corner” of the structure for your retreat; instead, go to the center-most point, away from windows and anything heavy that could fall on your head.

? If you’re outdoors, find the lowest spot, such as a ditch or dry river bed, and lie flat on your stomach, covering the back of your head with your hands. Do not follow the myth of seeking shelter underneath a bridge or overpass because it could collapse on top of you or large debris and winds could come rushing underneath and potentially sweep you up into the tornado itself.

? If you are in a vehicle, abandon the vehicle and try to find shelter in a structure or outdoors in a low place where you should lay stomach-down and cover the back of your head with your hands. Most importantly, do not attempt to drive away from the storm unless it’s very obviously far away and moving in the opposite direction.

? Do not take shelter near a road or foothill and expect the tornado to miss you. Some myths say that tornadoes will reverse their directions when nearing a road or foothill, but a tornado doesn’t discriminate and will keep on its path.

? Keep head gear handy. Head protection can be the number-one most important factor in remaining protected from flying debris—indoors or outdoors—so know where bike, football, batting, boxing and other helmets are in the house, and make them easily accessible.

At Advantage Insurance Agency we want to help you know the tornado truths that will help keep you and your family safe. For more tornado safety tips, visit the Storm Prediction Center’s comprehensive guide at http://www.spc.noaa.gov/faq/tornado/safety.html.

Contact Us!

At Advantage Insurance Agency 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 330-940-2288.
You can also send us a note at sales@advantageinsuranceonline.com. We want to help you meet your goals, and make sure what's important to you is protected!
Why an Independent Agent?
Wednesday, September 03, 2014

Why an Independent 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 Advantage Insurance Agency you get choices.
Why? Because independent insurance agencies, like Advantage Insurance Agency, 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 agents, we are members of the Greater Akron Area and all of Summit County community, and we’re committed to doing business face-to-face and being your advocate in times of need.
Serving Greater Akron Area and all of Summit County and the state of Ohio here are a few reasons why Advantage Insurance Agency should be your first and last top when looking for insurance.
• We work for you when you have a claim.
• We are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
• We are your consultants, working with you as you determine your needs.
• We are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.
• We offer one-stop shopping for a full range of products, including home, renters, auto, business, life, health, and retirement plans.
• We can periodically review your coverage to keep up with your changing insurance needs.
• We are committed to customer satisfaction – it’s the key to our livelihood.
• We treat you like a person, not a number.
• 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, please contact Advantage Insurance Agency today. Give us a call today at 330-940-2288
As kids head back to school, let’s keep them safe
Thursday, August 21, 2014

The end of summer means many things, such as cooler weather, shorter days and ... the start of football here in Akron, Ohio!

But most important, it means kids are headed back to school. And that means we all should be extra careful on the roads, in school zones and around buses in Akron. Remember to watch for bikes, too! Here are some tips for both parents and kids to make sure everyone stays safe.

Use caution on the roads

• There are going to be a lot more kids on the sidewalks and streets when school starts, so take it slow and always be aware of your surroundings. That’s good advice for all situations, of course, but be extra cautious around the times when school starts and ends for the day.
• Watch out for school zones! They’re usually easy to spot, as many have flashing signs indicating a slower speed limit.
• Remember to follow school-bus rules. You aren’t allowed to pass the bus on either side of the road when the red lights are flashing. Even when the lights stop, make sure the coast is clear before moving on. Kids can move quickly and erratically.
• Leave yourself extra time to make it to your destination. Whether you’re headed to work or dropping your child off at school, rushing is a recipe for disaster.
• Be especially careful in school or child-care parking lots and loading zones!

Teach kids to be safe while walking

Just a few minutes spent explaining some basic safety rules to your child can help keep them safe when they’re walking to or from school. Young children should never cross streets alone, but if your child is old enough to walk with others, remind them to do the following:
• Always use marked crosswalks when crossing streets and look both ways twice.
• Do not assume that drivers can see you. Try to make eye contact with them, if possible, when crossing the street.
• Watch for driveways when walking on the sidewalk.
• Be aware of cars that are turning or backing up.
• Never move into the street from behind a car or other obstacle. Don’t chase a ball, pet or anything else into the street.
• Always use sidewalks and paths. If there is no sidewalk or path, walk facing traffic and as far to the left as possible.

Help them stay safe on their bikes
Just as it’s important to help your children learn safety tips for walking to and from school, it’s important to teach bike safety, especially by setting good examples yourself.
• Make sure your child wears a properly fitted helmet every time he or she rides a bike.
• Before the bicycle is ridden, do a quick inspection to ensure it is working properly and reflectors are in place.
• Show your kids how to ride on the right side of the road with traffic and to stay as far to the right as possible.
• Encourage your child to walk his or her bike across busy intersections. Or better yet, choose a route without any busy crossroads.
• Explain to your child why no one should ride on the handlebars.
• Demonstrate the rules of the road by using proper hand signals and obeying traffic signs when you ride bikes together with your child.
• Set curfews so your child is not riding a bicycle at dusk or in the dark.
• Most importantly, supervise your children every time they ride until you are certain they have good judgment.

We know you’re probably familiar with all of these good ideas, but everyone needs reminders. So take it slow, and let’s have a happy and safe school year! Call us for any of your insurance needs at 330-940-2288.
Auto Insurance
Thursday, June 19, 2014

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.
Insurance for cars, trucks, boats and more!

Advantage Insurance can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us at 330-940-2288 for more information today!

Ohio – How much auto insurance is right for you?

Based in Akron, Barberton and surrounding communities our team at Advantage Insurance Agency understands the auto insurance needs of our customers.
Auto insurance requirements vary by state. In some states, to drive you must carry:
• Liability coverage – to pay for losses you cause others, or:
• No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
• Both liability and no-fault coverage.
We write insurance in Ohio and would be happy to help you ensure you have the right coverage for where you live.
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.
Every person is unique – Call us today to find out how to get the best price and value on auto insurance for you.
Advantage Insurance Call for a quote today at 330-940-2288
Eight Tips For The Road Ahead Be Safe, Be Smart On A Long-Distance Road Trip
Thursday, February 06, 2014

Whether you’re traveling alone, with a buddy or with your spouse and a car full of kids, there are few things more “American” than the long-distance road trip. Countless vacation travelers will drive the highways looking for fun and making memories with every mile. If traveling down the “holiday road” is in your plans, take the time to prepare for your trip. You’ll have a more enjoyable vacation if you plan carefully. Here are a few driving tips, courtesy of Advantage Insurance Agency.

1) Maintain your car. Make sure your vehicle is up to date on its maintenance schedule, and be sure to check the battery and tires.

2) Plan your trip and know where you’re going. Call ahead for proper and safe directions to get you to your destination safely and have maps of the area on hand to help you navigate once you are off the main road. You’re more likely to make good decisions, even in dangerous situations, if you’re clearheaded and know where you’re going.

3) Be alert. Seems obvious, but driver inattention is surely the cause of a lot of accidents. If you stay focused behind the wheel and plan carefully, you will have a wonderful summer road trip.

4) Take precaution with a cell phone. Cell phones can be a lifesaver when you need immediate access to emergency services after an accident. Keep your phone within easy reach and get to know its features. However, use it prudently. Reports suggest that driving while talking on the phone increases accident rates.

5) Wear your seat belt. Whether or not it’s required by law in the state through which you’re driving, always wear your seat belt as a safety precaution.

6) Protect your car against theft. Help deter criminals from taking your car with steering wheel locks, switches that disable fuel or ignition systems, and electronic tracking devices.

7) If you’re in an accident. Taking immediate steps if you’ve been in an accident can protect your family and your car from further damage. Stop immediately and make sure your car is not blocking traffic. Turn off your car to keep it from overheating or catching fire. Warn oncoming cars using road flares or orange triangle reflectors. After you have protected yourself and your family, call your insurance company immediately.

8) Make sure your auto insurance is up to date. Before you even leave the driveway, you want to be sure you’re protected when you’re on the road and far from home. An independent insurance agent or broker can provide the personal service and advice you need to travel in confidence.

To learn more about what an independent insurance agency offers you contact Advantage Insurance at 330-940-2288
A one-page guide to the Health Insurance Marketplace
Thursday, October 31, 2013

Here’s a quick rundown on the most important things to know about the Health Insurance Marketplace, sometimes known as the health insurance “exchange.” Follow the links for more information on each topic.

The new Health Insurance Marketplace helps uninsured people find health coverage. When you fill out the Marketplace application we’ll tell you if you qualify for:
•Private health insurance plans. We’ll tell you whether you qualify for lower costs based on your household size and income. Plans cover essential health benefits, pre-existing conditions, and preventive care. If you don’t qualify for lower costs, you can still use the Marketplace to buy insurance at the standard price.
•Medicaid and the Children’s Health Insurance Program (CHIP). These programs provide coverage to millions of families with limited income. If it looks like you qualify, we’ll share information with your state agency and they’ll contact you. Many but not all states are expanding Medicaid in 2014 to cover more people.

No matter what state you live in, you can use the Marketplace. Some states operate their own Marketplace. In some states, the Marketplace is run by the Federal government. Find the Health Insurance Marketplace in your state.

Most people must have health coverage in 2014 or pay a fee. If you don’t have coverage in 2014, you’ll have to pay a penalty of $95 per adult, $47.50 per child, or 1% of your income (whichever is higher). The fee increases every year. Some people may qualify for an exemption to this fee. If you enroll by March 31, 2014, you won’t have to pay the fee for any month before your coverage began.

You’re considered covered if you have Medicare, Medicaid, CHIP, any job-based plan, any plan you bought yourself, COBRA, retiree coverage, TRICARE, VA health coverage, or some other kinds of health coverage.

If you’re eligible for job-based insurance, you can consider switching to a Marketplace plan. But you won’t qualify for lower costs based on your income unless the job-based insurance is unaffordable or doesn’t meet minimum requirements. You also may lose any contribution your employer makes to your premiums.

If you have Medicare, you’re considered covered and don’t have to make any changes. You can’t use the Marketplace to buy a supplemental or dental plan.
If you would like more information on how to sign up please call John Barto at 330-475-0126.
Get the right insurance for your trucks—and save money, too
Friday, March 08, 2013

Your vehicle insurance could be as much as 40 percent of your total operating budget. A Regular policy review is essential in making sure you have the right insurance for your truck—and your business. Plus, you could save big buck if you qualify for additional discounts.

To get started, ask yourself these five questions—then give your local agent a call.

1. Are all of my employees covered when they drive my trucks, even if they’re not listed on my policy?

You should always list employees who regularly drive your vehicles. Ask your insurance company if it covers temporary drivers as long as they have your permission to operate the vehicle.

Some insurance companies will only cover drivers who are named on the policy. So, if you regularly employ temporary workers, you need to call your insurer and add them to the policy every time they drive to ensure they’ll be covered in an accident.

Permissive use policies don’t require you to add temporary workers.

2. Will my policy pay to repair my employees’ personal vehicles if they get into an accident while running a business errand?

If you often send employees on business errands in their personal cars or trucks, or, if you use rental vehicles, consider adding optional coverages to your policy to protect those vehicles. In many cases, a standard commercial auto insurance policy won’t cover damages in case of an accident. Your agent or insurance company can walk you through all of your options.

3. Should I maintain my policy during the off-season if I’m not using my truck?

When the season’s over, consider switching to Comprehensive-only coverage instead of canceling your policy altogether. This coverage protects your vehicles against incidents like vandalism or hail that can happen when they’re sitting for long periods during the off-season.

If you do decide to cancel your Liability insurance, check with the Department of Motor Vehicles first. There may be some additional steps you need to take to comply with the insurance laws in your state.




4. How quickly does my insurance company resolve claims?

Find out how long, on average, it takes your insurer to resolve claims. The faster they take care of your claim, the faster you can get back to work.

Also, ask if your insurance will cover a rental vehicle or provide downtime payments.
That way, if your truck’s out of commission, your business will stay profitable.

5. What can I do to control my insurance expenses?

Discounts can make a big difference, especially with commercial insurance. Progressive offers several, like an experienced business owner discount and a discount if you have a General Liability or Business Owner’s Policy. Other ways that you can save include increasing your deductibles and paying your premium in full.

For more information contact Advantage Insurance at 330-940-2288



Four questions to get the right auto insurance
Monday, January 14, 2013

Using the right tool for a job is key to success in any profession. Experts say the same principle applies when selecting an auto insurance policy. Having the right type of policy can help ensure that you, your employees and your business are all protected in the unfortunate event that one of your vehicles is involved in an accident.

If you’re a business owner and you or your employees use a vehicle for business-related deliveries or to carry certain materials to and from a job site, you may need a commercial auto insurance policy that’s tailored to more closely suit the needs—and risks—of a business vehicle operator.

Here are some questions that can help you determine if you might need a commercial auto policy instead of a personal auto policy, courtesy of Advantage Insurance Agency:

• Do you need more liability coverage than your personal auto policy provides? Generally, a commercial auto policy provides higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.

• Do you need special coverage for situations associated with con-ducting business? Commercial auto policies also usually offer certain coverages—such as hired and non-owned auto coverage and coverage for towing a trailer for business use—that are not available with personal auto policies.

• Do you need to list any employees as drivers? You can do this with a commercial auto insurance policy.

• Do you use your vehicle for business purposes? If you use your vehicle for things like pizza or newspaper delivery, catering, door-to-door consulting service, landscaping or snowplowing service, logging business, day care/church retreat van service and/or farm-to-market delivery, you might need a commercial auto policy.

Advantage Insurance Agency is an independent insurance agency – trained, licensed insurance professionals who offer personal service and advice. We can help match you with the type of policy that best suits your needs and those of your company.

To learn more about all an independent agency offers, call us at 330-940-2288.
An Independent Approach To Car Insurance
Friday, March 23, 2012


(NAPS)—Many consumers are finding they can drive down the cost of car insurance—and the time it takes to select the right policy— by contacting an independent insurance agent or broker.
Because they represent many different insurance companies, independent agents have the flexibility to review rates and coverage from competing carriers and get you the best deal. Plus, they can offer affordable protection for your home, business and other assets. So rather than spending hours gathering quotes from various companies, you can get it done with one simple call or visit to your independent agent or broker.
If you’re thinking of contacting an independent agent, here are a few things to consider:
What’s your lifestyle? Many factors determine auto insurance rates, not just vehicle year, make and model. Companies also look at information about you. If you’ve recently moved, gotten married, had a birthday or experienced a similar life milestone, mention this to your independent agent or broker. You may be eligible to save money on your car insurance.
Sweet 16 doesn’t have to be sour. Having a new teenage driver usually means the auto insurance bill will go up, but there are ways to save. An independent agent or broker can find them for you.
How old is your car? You don’t always need the same level of physical damage coverage on older cars as on newer ones. If you drive an older car, your independent agent or broker can advise you what level of coverage

makes the most sense. If you want to keep your physical dam-age coverage, consider raising your deductible—that could save you money each year, too.
•Save money on the fun stuff. If you have a motorcycle, boat, RV or other “toy,” you might save money by having it covered by the same company that insures your car. Talk to your independent agent or broker about it.
You may also want to consider separating your homeowner’s policy from your car insurance policy. Bundling your homeowner’s policy with your car insurance doesn’t always save you money. It may, but have your independent agent look at separating the policies— the discount you may have gotten for keeping them together may be outweighed by the lower price another company might have for your car insurance.
To learn more call 330-940-2288
Seven Shopping Strategies For New Car Buyers
Tuesday, February 08, 2011

Seven Shopping Strategies For New Car Buyers

New car shopping can be a lot of fun, especially if you’re a car enthusiast. But others can find the experience stressful and tedious. Either way, there’s a lot to think about. According to a survey of car shoppers, overall purchase price is the most important factor when shopping for a new car (46 percent), followed by make and model (31 percent).

Safety and performance come in a distant third, tied at seven percent. But whether you’re turned on or turned off by the dizzying array of car choices, trim options, “expert” reviews, incentives and other deals, it definitely pays to approach car buying strategically.

So if you’re in the market for a new vehicle and you find yourself having trouble keeping a clear head, just keep these strategies, courtesy of Advantage Insurance Agency, in mind:

1. Decide how much money you can spend and what type of vehicle best suits your needs. Just looking for the basic transport capability of a small or medium sedan? Or do you need the hauling capacity of a van or SUV? Something practical? Something sporty? Something in between?

2. Research crash tests and accident data available from the Insurance Institute for Highway Safety.

3. Shop around for financing. If you can, apply for and get approval for a loan from a bank, credit union or other financier before you even visit the dealership. Being a “cash buyer” gives you an advantage when you do finally meet with the dealership’s financing person.

4. Test drive the car. Try to drive in conditions that will be similar to those under which you’ll drive every day.

5. Check pricing for your desired make and model at two or three dealerships and use that information to help you negotiate the best deal.

6. Get a firm quote, in writing. This should include not only the cost of the car, but any fees and the sales tax.

7. Inspect your new car carefully before driving off the lot. Make sure all the options you’ve ordered are included and that the body and paint are free of scratches or dents.

Finally, it’s important to consider the cost of auto insurance, although it seems that few people realize that what they pay for insurance can add significantly to the vehicle’s total cost.

Wise car buyers know to shop around for insurance and find out how costs compare. They also know to visit an independent insurance agency – like Advantage Insurance Agency. We can check with several companies to find the best combination of coverage and price.

To get a Progressive quote with Advantage Insurance Agency, call us at 330-940-2288.
Shedding Light On Car Insurance Savings
Thursday, November 04, 2010

It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency, Advantage Insurance Agency can help! We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:

• Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.

• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.

• Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.

• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check.

• Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let’s talk about it.

To learn more about all an independent agency can offer you, call Advantage Insurance Agency at 330-940-2288.
Back to School!
Tuesday, August 24, 2010

Well it is that time of year again when all the kids head back to school. It is hard to believe that summer is coming to an end. It also means that changes in the weather are inevitable. Now is the time to get your Auto insurance coverages reviewed and in order before the snow starts flying. Next thing you know the holidays will be upon us and we tend to set aside our responsibilities. By getting all you insurances in order now, it saves you time and money in the long run. It also may not be a bad idea to review your homeowners coverage to make sure that you have all the proper coverages in the event we have extreme weather in the up coming months. CALL TODAY 330-940-2288
WIN A $25.00 Acme Gift card
Thursday, March 04, 2010

We are running a special promotion for the month of March. If you sign up for our email alert newsletter you will be entered into our drawing for a $25 gift card from Acme. The winner will be chosen at random on April 1st and will be notified by email. Progressive Insurance has changed their rate structure recently and has really been offering some great auto rates. Call us to compare your current rate today 330-940-2288.
Happy New year!
Wednesday, January 06, 2010

Well i for one am happy to see 2009 come to an end. It has been a trying year for all of us. Things seem to be looking up for 2010. Companies are adjusting rates (for the better) and many new products will eventually surface this year in the wake of our economy's recovery. Progressive Insurance has started off the year with a bang by offering a multitude of discounts that were not previously offered. Call us today to compare your existing rates with us. You will not be disappointed. In Cuyahoga Falls 330-940-2288 and in Barberton 330-848-9879
End of Year Reviews
Monday, November 16, 2009

As we approach the end of another year, many of us have had some tough times to contend with. It is our hope that as the new years reigns in we will all start to see some improvement in our lives. We believe the end of the year is a great time to review all of our financial matters and try to lower some costs and at the same time make sure we have the coverages that we need. We have done a really good job of lowering a lot of client's homeowners rates this year and we hope to be able to continue to do so. Auto insurance tends to change frequently and really needs to be reviewed at least once a year. There has always been the misconception that you should wait until your renewal to shop around. We have saved 100's of people money even before their renewal has come up. In today's economy we have to be proactive on our saving and spending more then ever. Call us today for a review of all your insurance policies. Lastly, we are now starting the Medicare season for Annual enrollment into Medicare Health Plans. If you are over 65 you need to call us ASAP so we can review your current plan. 330-940-2288
New Product
Friday, August 21, 2009

We will now be offering coverage through Grange Insurance company's Passport Auto. Grange has a long standing reputation for being a strong and reputable insurance company. Some of our companies have gone through rate changes, some have gone up a little and some have gone down. Right now is a great time to shop homeowners insurance as some of our companies are offering great new programs at very affordable premiums. You can quote an auto policy online with Progressive or Safeco (soon Grange) or you can have us shop the rate with our over 20 companies that we represent. You provide the info we will do all the work. CALL us today for great Akron, Ohio auto insurance rates or Akron Ohio home insurance rates. CALL TODAY! 330-940-2288
Akron office Moved
Friday, July 31, 2009

Folks, it was a difficult decision but we decided to move the Akron (Waterloo/S. Arlington) office over to the office in Cuyahoga Falls at 2345 State Road. The economy is definitely effecting everyone and we are no exception. We are streamlining our company to make it more efficient and profitable for the long term. You will receive the best in service and second to none in providing you with the best rates our companies have to offer. So as of today all payments, calls, etc. will be done in Cuyahoga Falls. Thanks to all of our customer's continued patronage.
Online Quoting
Saturday, July 18, 2009

Our Auto quoting online is up and running now. You can get an online quote from Progressive or Safeco currently. We will be adding more companies soon to the online quote system. You can get a health insurance or dental insurance quote online now also. All of these online quote systems also offer the opportunity to purchase the policy online if you choose or have it sent to us to review the quote for you before you buy. It is your choice. We will be adding more products and companies to our online quote system within the next month or so. If you want us to do the quote for you just fill out the online quote questionnaire and we will shop the quote for you and get back to you on the next business day. Online homeowners quotes will also be coming soon. In the meantime, fill out the homeowners questionnaire and we will shop the quote for you. We will be adding a subscribe section within a week or so to let you know of any updates or changes that have been made or are coming. Please feel free to contact us via our contact page.
New Website
Friday, July 10, 2009

Well folks, it's official. We have launched our new website today. Look for many exciting things to come from Advantage Insurance this year technologically. You will be able to sign up for our quarterly newsletter as well as many other internet based features. Check back often. Call or email us if you need ANYTHING!