Golfing Liability This week Etler-Kettenacker posted a page regarding golfing liability.  The page includes a story based on an actual golfing liability civil case.  You can read the story at http://www.ekagency.com/liability/golfing.aspx.    Etler-Kettenacker Agency is always available to discuss with you in detail what your liability coverages include under your homeowner’s insurance.  In most cases your homeowner’s policy will cover your...

Saving 15% This week Etler-Kettenacker Agency has posted a story and the Jones family and the Smith family who both experienced a devastating tornado.  The Jones family chose not to switch insurance carriers thus not saving 15%.  The Smith family chose to switch to a new carrier and ended up saving 15%.  To find out what happened to each family read the story at http://www.ekagency.com/saving/15_percent.aspx.   If you have any questions regarding your homeowne...

Holiday Claims Etler-Kettenacker wants to wish all of our clients and readers a Happy Holiday Season!  This week EK Agency posted an article on the types of holiday claims that are often seen by insurers during the holiday season.  To see the full article about holiday claims visit http://www.ekagency.com/holiday/claims.aspx.    If you need any of us at EK Agency over the holiday season please contact us with questions or concerns if you should have any h...

If you are sending your kids off to college this fall, you might be wondering about insurance. Specifically, insuring all that stuff you bought for your college-bound kid: computer, books, bikes and, in some cases, furniture. The National Retail Federation (NRF) estimates that the average family will spend roughly $900/college student -- on back-to-school supplies alone. If your child is going to live in a dorm, add $126 to that number for furnishings, the NRF says. For a full breakdown of b...

Happy Fall, friends! Hard to believe, but cooler temps, fall colors and football season are just around the corner! In a nationwide survey, nearly 30% of Americans chose fall as their favorite season -- and it isnt any wonder why. Cincinnati is drop-dead gorgeous in the fall -- our skies big and blue, trees rich orange and red hues and weather perfectly cool-but-not-cold-nor-hot-nor-humid. However. If youre a homeowner, you might not be singing the praises of fall quite so... enthusias...

As the weather cools, back porch grill outs become backyard gatherings round the fire pit. (Even for adults, nothing beats a warm fire and smore!) If you have a fire pit, or are considering adding one to your yard, here are 4 things to consider: 1. Permanent or Portable? If you want a more seasonal addition to your yard, youve got options. There are fire bowls that come in a variety of materials: copper or stainless steel bowls are usually lighter, but heavier cast iron bowls a...

As we get into the holiday season, its crucial to keep an eye on your credit cards, bank statements and online accounts. But did you also know you need to watch your phone? Your door? Your utility bill? Utility scams are becoming quite common: scam artists use increasingly sophisticated and scary tactics: They may threaten to turn off your power, Rig caller ID to make it look like the call is from your utility provider; or Instruct you to put the money on a pr...

Spring has sprung in Cincinnati, which means its storm season! Thunderstorms can obviously wreak havoc on your home and yard, but there are several things homeowners can do to prepare. Here are 6 storm preparation tips for homeowners: 1. Clear your gutters You probably havent done this since the fall -- and leaf buildup, ice melt and even dirt have likely collected since then. Keep your gutters in tip-top shape with regular, seasonal cleanings. 2. Consider a portable generator Th...

If you have a student just starting college: congrats! As you take mental inventory of the many (expensive) supplies needed for this venture, you may be wondering about dorm insurance. Are dorm-dwelling college students insured? Weve got all the answers in todays blog. The short answer is: yes, your kids are probably covered, in some shape or form. But it depends on where your college student is living. If your kid is living in on campus housing (like a dorm), her belongings may be covered...

  Why do you need homeowners insurance? What if your home were destroyed in a storm, where would you go?  How would you replace your home, clothing, furniture? A homeowner’s policy will provide coverage on your dwelling (home), and personal property along with offer liability insurance if anyone were to be injured on your property or cause property damage.  If you have a loan on your home your lender will require you to have insurance; they want to make sure that their fi...