Unless you’re living under a rock, you’re aware of Progressive Insurance. You’ve seen Flo before in her white apron, bubbling over with enthusiasm for saving clients money by bundling their insurance. Progressive works hard for their brand recognition, and as independent agents it’s our job to make clients aware of what they have to offer. Progressive Insurance is a great option for many of our clients, so here is what you need to know. You Don’t Have to Call an 800 Number Many people are able to contact Progressive directly online or by phone to get a quote. But did you know you can contact a ..read more

From pizza to groceries, drivers have used their personal vehicle for deliveries for decades. In recent years, there has been a steady, sizeable increase in the usage of delivery app services worldwide. If you are driving for one of these services, you need to disclose that to your insurance carrier. Delivery driving complicates auto insurance, so make sure you know how they work together (and don’t) so you can stay protected. Many Possibilities to Navigate Depending on your auto insurance carrier and the delivery service you choose, there may or may not be a gap in coverage when you take a de ..read more

The last thing any homeowner wants to see is the destruction of their home and belongings. Water and time can destroy things in a short amount of time, but what about the threats water can cause over a longer amount of time? Luckily some carriers have home insurance endorsements that protect homeowners from water over a an extended period of time. What Is Water Seepage and Leakage Water seepage and leakage is a term used in many home insurance endorsements. It is when water flows from one place to another via small holes or porous material such as drywall. Water seepage coverage can also refer ..read more

As of 2024, a majority of Cincinnatus Insurance clients have Grange Insurance as their carrier. Not Flo, not Doug and the LIMU Emu. Who is Grange Insurance? And why so do many clients have a carrier most have never heard of? Grange Insurance At A Glance With over 700,000 clients across 13 states, Grange Insurance has been serving customers for over 80 years. Grange Insurance was founded by an Ohio farmer named John Haaf, who in 1930, noticed his auto premium increased from $10 to $12 for his six month policy. Haaf took action on his idea of offering low-cost auto insurance with other members o ..read more

Your roof is the first line of defense against disaster striking your home. And yet, many homeowners have been pushing their roof’s age to the limit. Some homeowners are trying to use their insurance policies to perform basic maintenance on their home. An aging roof impacts more than just one family’s insurance policy- it can effect their financial wellbeing or even impact the insurance market as a whole. How Long Can the Average Roof Last? A roof can last anywhere from 8 to 100 years depending on the roofing material. As you can see here, not all roofing material is created equal: Rolled roo ..read more

When you talk about insurance and ice, everyone expects the “how to avoid black ice” blog post. But there are so many other ways ice can cause trouble for your home! Let’s talk about the 2 big things to remember about ice and your home. How to Avoid Frozen Pipes When the temperature plunges at night, it’s important to remember your pipes before heading to bed. Water damage claims are some of the trickiest claims for homeowners, and they are the most common cause of home insurance claims. Make sure your furnace is set above 65 degrees. Open your cabinets for any sink pipes that are against an ..read more

Giving back is a pillar of our culture here at Cincinnatus Insurance. Recently we were honored to award our 2023 Fourth Quarter Charity, May We Help, with a big check! Handing out checks to wonderful non-profits is one of the best parts of the job at Cincinnatus Insurance. May We Help is no exception – this organization specializes in building tools for people with disabilities so they can thrive through gaining more independence. May We Help: What They Do Presently, May We Help is powered by over 75 volunteer engineers who design, build and deliver equipment to people with disabilities. Addit ..read more

It comes when you least expect it. Instead of receiving insurance policy renewals from your carrier, you’re notified that coverage is ending at your current term. There are many reasons for nonrenewal: underwriting guidelines have tightened up, your carrier is being sold, or your carrier is ceasing coverage in your state. When your insurance coverage non-renews, it can leave you scrambling and we’re here to help. Tightening Underwriting Guidelines When a client has too many auto violations or claims, carriers are often non-renewing coverage. The same is true for home renewals- if a client has ..read more

If you are a policyholder with Electric Insurance Company (EIC), you may be scrambling. As of January 1, 2024, EIC is nonrenewing their policies. EIC has been sold and intends to no long offer auto, home, boat, or personal umbrella insurance. That’s left people wondering, what is going on with Electric Insurance Company? More importantly, what’s next for these policyholders? Insurance Companies Must Give Notice Whether an insurance carrier is closing their doors or nonrenewing a client for underwriting reasons, they are legally required to notify the insured at least 30 days before the policy ..read more

It seems every news cycle there’s a new type of car theft to worry about. With catalytic converter thefts on the rise, it’s important to know if you’re at risk and what to do about it. What is a catalytic converter? Catalytic converters are part of a vehicle’s exhaust system, designed to control pollution released into the air. Before catalytic converters, unfiltered fumes from the combustion of your engine would just enter the atmosphere. A catalytic converter reduces these toxic emissions. Why are they being stolen? The part itself is pricey- sometimes over $1000 each on the black market. Th ..read more