Bradley Insurance Group, Inc.

Home Insurance / property insurance

All Home Insurance Policies Cover Pets, Vermin and Mold Damage

An Insurance Misconception is : That all home insurance policies cover pets / vermin / mold damage that happens. That is another Huge Insurance Misconception. There is no coverage for any of those items and its something that we actually run into a lot or at least the questions "if it is covered or not?" Unfortunately it's not covered and you can't even pick up an endorsement to get coverage for any of these things. UNLESS, when we say Pets, talking about your personal pets like dogs or cats.. I know that some carriers have insurance policies that you can purchase on your dogs or cats that you might have. That is a possibility! BUT for Mold and Vermin, there definitely is no coverage for either of those under a normal Homeowner Insurance Policy.

Home Remodel and the Documentation of the remodels/repairs???

Remodeling your house or making repairs to your house and the documentation of that.. is it important ? Do you need documentation ?? It's very important to keep these records in a safe place where you can get to them if needed and also in the event of a fire, where they are safe. That could be in a refrigerator or even in a bank deposit box OR you can put them on a flash drive or if you have cloud files, they could also go there. Put them some place where you can get to them quickly and also remember where they are. This can be used for anything but insurance related it's always good to have proof of when repairs were made or when something was remodeled.

Fire Insurance -- What Is it? Is this even an Insurance Term ???

Fire Insurance .. Is that a weird term today ? Yes it is and it's kind of really confusing when you really think about it ! BUT to clear this #misconception up, another word for Fire Insurance is Homeowners Insurance

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automobile insurance / car insurance

Auto Insurance in OHIO and your Bodily Injury Limits ....

These two coverages are required by the state of Ohio and they do have minimum required limits. We don't recommend the minimum limits because they are too low, especially with the cost of cars alone today. In Ohio, you are required to carry auto insurance and required to show proof when you get your drivers license, renew your license or even get tags for your car. If you don't know what limits you currently carry, call your agent or check your policy today. Our minimum, suggested limits are $100,000 per person / $300,000 per occurrence and then $100,000 on property damage. Most all carriers have higher limits than that, which are suggested to at least look at the limits.

Are you Really FULLY COVERED on your Auto Insurance ????

Are you really fully covered? It's an interesting term, that is thrown out loosly throughout the insurance industry. From customers to agents and service representatives using that Termonology can be misleading at times. In our opinion and experience no one is ever "fully covered." There are limits on policies for bodily injury / property damage / uninsured-underinsured motorist coverage and if the damages exceed those limits, typically the customer is responsible for those amounts or they have to take action against the claimant if the were not at fault in the accident. With Comprehensive and Collision coverage there are deductibles tied to those coverages and those deductibles come out of your pocket to get you vehicle repaired. SO, paying out that deductible comes out of your pocket.

Reviewing your Auto Insurance Policy at EACH RENEWAL ??

Do you look at your auto insurance renewal ? If you are like most of the world, you probably don't and assume that everything is correct. Well, You should start reviewing it at every renewal just to make sure that all the correct cars are on the policy and all of the correct drivers are on there as well. Even if you haven't made any policy changes in a while, there still could be mistakes or something could happen. With carriers upgrading their systems or making changes to make them better, there is a chance for things to fall through the cracks unfortunately. Ultimately, it's up to you to make sure that information is correct on the policy.

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All Auto Policies cover Uber / Uber Eats / Lyft / Door Dash and Pizza Delivery

The Next Misconception is : That all Auto Insurance Policies cover #uber #ubereats #Lyft #Doordash and Pizza Delivery jobs while you are making deliveries and what not. This is incorrect for the most part. Some carriers today have an endorsement that you can add for this type of work on your personal auto insurance policy. A few years back, you use to have to have that put on a Commercial Auto Policy because of the use and type of work. With this line of work there is a lot of exposure out there cause you are hustling to get from A to B and you are on the road a lot. A lot of road time = a lot of exposure.

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All Car Insurance Is the Same ....

Not all Car Insurance is the same. In the video there is a very brief over view of this, but all car insurance definitely is not the same! There are many different reasons why. They do all get lumped together in certain conversations and it can be understandable. BUT this is a Huge Misconception. They are not all the same.

If you own a vehicle and its registered in the State of #Ohio ... Gotta have Insurance

The Next Misconception is : If you own a vehicle and it is registered ... in the State of #Ohio .. Do you have to carry Insurance on that vehicle??? YES, You do! Even if that vehicle is parked and not used or not running! As long as it's registered in the State of Ohio you have got to have Insurance on that vehicle. We are not the BMV and it is our interpretation of this law BUT, to be safe, you have to carry insurance on that vehicle ! In the State of #Ohio , Insurance follows the vehicle. If you are the titled owner and have a vehicle registered with the State of Ohio, you are required, by law, to carry insurance on that vehicle **All States have different Laws and guidelines so make sure you double check what the laws of your state says. These laws can change as well so It's always good to stay attuned to different changing insurance laws and regulations in your state.

All Insurance Companies are the Same ??? Yeah that's a huge Misconception

Not all insurance are the same. In the video there is a very brief over view of this, but all insurance companies definitely are not the same! There are many different reasons why. They do all get lumped together in certain conversations and it can be understandable. BUT this is a Huge Misconception. They are not all the same.

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