Thomas & Grushon Insurance Agency

06/02/2026

Most people have never heard of umbrella insurance. The ones who have needed it are really glad they had it. 🌂
So what is it exactly?
An umbrella policy is extra liability coverage that kicks in when your home or auto policy maxes out. We're talking $1–5 million in additional protection — for most people, around $150–300 a year.
It covers situations like:
✅ A serious car accident where you're found at fault
✅ Someone injured at your home and they sue
✅ Damages that exceed your normal policy limits
✅ Your spouse and kids living in the household
Here's the part that surprises most people: it's one of the cheapest policies you can add — and one of the most valuable if you ever need it.
Not sure if it's right for you? Give us a call. We'll be straight with you either way.
📞 (937) 848-6181 | thomas-grushon.com

05/28/2026

☀️ Summer in Ohio means boats on the lake, RVs on the road, and weekends at the cabin.
But here's the thing — your standard home or auto policy probably doesn't cover any of that.
🛥️ Boat — liability, theft, and damage on the water
🚌 RV — collision, contents, and full-time living coverage if needed
🏡 Vacation home — separate dwelling coverage, rental liability, and more
If something happens this summer and you're not covered, it can turn a great trip into a really expensive one.
Take 10 minutes before the season kicks off and let us check your coverage. It's free, it's fast, and it's worth it.
📞 (937) 848-6181 | thomas-grushon.com

05/26/2026

🎓 Graduation season is here — and for a lot of Bellbrook families, that means a brand new driver in the house.
Before they hit the road, here's what every parent needs to know:
📋 Add them to your policy immediately — driving uninsured (even accidentally) can void your coverage entirely
💰 Yes, your rate will go up — but there are discounts that can help offset it
🏫 Good student discount — B average or better can save you 5–25%
📍 Safe driving apps — some insurers will lower your rate based on actual driving habits
🚘 Older car? You may not need full collision coverage — we can help you right-size it
Every family's situation is different. Give us a call and we'll walk you through exactly what makes sense for yours.
📞 (937) 848-6181 | thomas-grushon.com

05/21/2026

Me, every time a neighbor mentions a fender bender or a slip-and-fall at their house 🌂😅
But seriously — umbrella insurance is one of the most affordable and most overlooked policies out there. For most people it's less than $20/month, and it covers you when your home or auto policy hits its limit.
Think about it:
🚗 Major car accident where you're at fault
🏠 Someone seriously injured on your property
⚖️ A lawsuit that exceeds your normal coverage
One of those situations can cost hundreds of thousands of dollars. An umbrella policy? Pennies on the dollar by comparison.
Curious if it makes sense for you? We'll give you a straight answer — no pressure.
📞 (937) 848-6181 | thomas-grushon.com

05/19/2026

05/15/2026

Check out this local business! We love supporting our Bellbrook community 🤍

Here it is! The Local Vendors Day we are so excited for! There are going to be over 20 different local businesses here, on June 13th from 10-4

05/14/2026

🏠 Your homeowner's policy covers a lot — but probably not everything you think it does.
Here are 5 things most standard policies won't pay for (swipe to see them all 👉):
1️⃣ Flood damage
2️⃣ Earthquakes
3️⃣ Normal wear & tear
4️⃣ Home business liability
5️⃣ Sewer backup
Any of those surprise you? You're not alone — these are some of the most common gaps we see.
The good news: most of them are fixable with a quick add-on or separate policy. Give us a call and we'll make sure you're not caught off guard.
📞 (937) 848-6181 | thomas-grushon.com

05/12/2026

📋 Do you know which type of coverage you have on your home?
Actual Cash Value vs. Replacement Cost — it's one of the most important (and most overlooked) details on your homeowner's policy. Swipe to see the difference 👉
Not sure which you have? Give us a call — we'll pull up your policy and walk you through it.
📞 (937) 848-6181 | thomas-grushon.com

04/28/2026

Shoutout to everyone who came out to the Sugar Maple Festival this weekend! 🎉 We love any chance to see familiar faces and meet new neighbors. Events like this are what make Bellbrook such a special place to live and work. If we didn't get a chance to chat, our door is always open at 22 E Franklin St. Stop in anytime. Tag a friend or neighbor who you saw at the event! 👇

04/23/2026

65 years in Bellbrook. Still going strong. 💙 We've watched this community grow and change in so many ways over the decades. New families, new businesses, new chapters. Through all of it, our mission has stayed the same: Value. Integrity. Trust. Thank you to every client, neighbor, and friend who has trusted us with something as important as protecting your family. It's a responsibility we don't take lightly. Here's to many more years. 🥂 📞 (937) 848-6181 | 22 E Franklin St, Bellbrook