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Before changing your deductible, check the payback period.A higher deductible may lower your premium, but it also increa...
10/16/2026

Before changing your deductible, check the payback period.

A higher deductible may lower your premium, but it also increases what you may pay out of pocket after a covered loss. The useful comparison is not simply $1,000 versus $2,500. It is the additional exposure compared with the annual savings.

For example, if raising a deductible increases your out-of-pocket exposure by $1,500 and saves $200 per year, the payback period is 7.5 years. It would take 7.5 claim-free years for the annual savings to equal that additional exposure.

Savings and deductible options vary by carrier, home, policy, ZIP code, and other factors. A higher deductible is not automatically better, and a lower deductible is not automatically better. The right choice depends on the trade-off that fits your budget and risk tolerance.

Before choosing, ask:

1. How much would the deductible change?
2. How much would the annual premium change?
3. How long would the savings take to offset the additional out-of-pocket exposure?
4. Could you comfortably pay the applicable deductible after a covered loss?

Coverage, deductibles, and eligibility vary by policy and by carrier.

Read the full article: https://www.riseinsuranceohio.com/rise-academy/ohio-homeowners-guide-deductible-rising-rebuild-costs

Want help comparing the numbers? Schedule a call: https://www.riseinsuranceohio.com/schedule-a-call

Fall in Ohio moves fast. Bright leaves and heavy rain one week, freezing nights the next. The maintenance you skip in Oc...
10/14/2026

Fall in Ohio moves fast. Bright leaves and heavy rain one week, freezing nights the next. The maintenance you skip in October is the problem you meet in January.

Our newest Rise Academy guide walks through what to check before winter weather arrives in Central Ohio: roof edges and flashing viewed from the ground, gutters and downspouts, drainage away from the foundation, exposed plumbing in garages and crawl spaces, heating service before you rely on it, and a home file you can actually find again.

It also draws a line worth understanding. Home insurance generally helps protect against certain covered causes of loss, subject to the policy's terms, exclusions, limits, deductibles, and claim circumstances. It is not usually a maintenance contract. Gradual wear, deterioration, neglected repairs, and damage that develops over time may be treated differently from a sudden, accidental event.

Fall maintenance does not guarantee damage will not occur, and it does not automatically make a loss covered. It does help you understand your home before winter and respond more effectively if sudden damage occurs.

Read the full guide: https://www.riseinsuranceohio.com/rise-academy/fall-home-maintenance-ohio

Questions about how your own policy would respond? Schedule a call: https://www.riseinsuranceohio.com/schedule-a-call

Your fall maintenance checklist changes when nobody is home.Routine maintenance looks different when the property will s...
10/12/2026

Your fall maintenance checklist changes when nobody is home.

Routine maintenance looks different when the property will sit unoccupied. The things that normally get watched, like gutters, filters, and exposed pipes, go unattended while temperatures drop.

That is where the insurance question changes. Do not assume a vacant or unoccupied home is treated exactly like an occupied one. Depending on the policy, conditions may address vacancy, reasonable care, temperature settings, inspections, and water shutoffs.

A few things worth handling before you leave:

- Find out whether the policy or the equipment sets a minimum temperature.
- Ask what your policy says about leaving the home unoccupied, especially if your trip runs longer than expected.
- If someone will be checking the property while you are away, make sure they know where the main water shutoff is.
- Keep a copy of your declarations page and important policy contacts somewhere accessible outside the property.

Maintenance does not guarantee damage will not happen, and it does not automatically make a loss covered. Coverage depends on your policy terms, conditions, and the carrier's claim determination.

Leaving a home empty this winter? Schedule a call and we can review what your policy says before you go: https://www.riseinsuranceohio.com/schedule-a-call

If your home's rebuild cost has gone up, could you pay the deductible if you had a covered claim?Home insurance limits a...
10/09/2026

If your home's rebuild cost has gone up, could you pay the deductible if you had a covered claim?

Home insurance limits are built around replacement cost: what it would cost to rebuild your home today with materials of like kind and quality. That figure is not market value, and rebuild costs have been climbing, driven by materials, labor, and modern building codes.

Many Ohio carriers may use a separate wind and hail deductible set as a percentage of dwelling coverage, often 1% or 2%, rather than a flat amount. Where that structure applies, a higher dwelling coverage means a higher dollar deductible: on a $400,000 home, a 1% deductible is $4,000, not $1,000. Policies vary, and a flat deductible may still apply.

A deductible is your share of a covered loss, the amount you pay before your carrier pays the rest. Higher deductibles generally mean lower premiums and more out-of-pocket exposure, and the savings vary by carrier, home, ZIP code, and policy.

So: do you know the dollar amount of the deductible that would apply after a covered loss, and could you pay it tomorrow?

Coverage, deductibles, and eligibility vary by policy and by carrier.

Read the full article: https://www.riseinsuranceohio.com/rise-academy/replacement-cost-rising-deductible-impact-claim

Want help running your numbers? Schedule a call: https://www.riseinsuranceohio.com/schedule-a-call

Ohio deer activity rises in fall, and the coverage that responds after a collision may depend on what actually happened,...
10/07/2026

Ohio deer activity rises in fall, and the coverage that responds after a collision may depend on what actually happened, not on the season.

Ohio State Highway Patrol identifies fall, particularly October through December, as a period when deer-involved crashes increase. Knowing which part of your auto policy may respond is worth reviewing before it matters.

Hitting a deer directly is typically evaluated under comprehensive coverage, generally subject to a deductible. Swerving to avoid a deer and hitting a guardrail, tree, ditch, or another vehicle is typically evaluated under collision instead. Those are different coverages, and they may carry different deductibles.

Liability generally addresses injuries or damage you cause to others. A liability-only policy generally does not pay to repair your own vehicle. Rental reimbursement and roadside assistance may be included only if you selected them.

The article also covers how to review your declarations page and what to do after a collision. Read the full guide: https://www.riseinsuranceohio.com/rise-academy/ohio-deer-season-driving-auto-insurance

Have questions about how your own policy would respond? Schedule a call: https://www.riseinsuranceohio.com/schedule-a-call

A deer steps onto the road, and what you do in the next second may matter as much as the coverage you carry.Brake firmly...
10/05/2026

A deer steps onto the road, and what you do in the next second may matter as much as the coverage you carry.

Brake firmly. Stay in your lane. Do not swerve. Ohio State Highway Patrol guidance for fall deer activity, particularly October through December, is clear on this, and the reason goes beyond safety.

Here is the part many drivers learn at claim time. What actually happened usually determines which coverage may respond.

- If you strike the deer directly, that is typically a comprehensive claim, generally subject to a deductible.
- If you swerve to avoid a deer and hit a guardrail, tree, ditch, or another vehicle, that is typically evaluated under collision instead.

Comprehensive and collision may carry different deductibles, so that difference can show up in what you pay. A liability-only policy generally does not pay to repair your own vehicle, no matter how the damage happened.

If a deer is down, do not approach it. Call 911 if anyone is injured or the roadway is dangerous, and take photos only from a safe position.

Coverage depends on your policy terms, limits, and the carrier's claim determination. Rental and roadside features may be included only if you selected them.

Wondering how your own policy would respond? Schedule a call: https://www.riseinsuranceohio.com/schedule-a-call

"Full coverage" is not a coverage level you can buy.It is one of the most common phrases in insurance, and it is not a l...
10/02/2026

"Full coverage" is not a coverage level you can buy.

It is one of the most common phrases in insurance, and it is not a line on a declarations page. No policy form by that name exists. It is shorthand, and what it means to one driver is often not what it means to another.

That matters at claim time, because claims are settled on policy terms, not on the phrase.

Four questions worth answering before you rely on it:

1. What are your liability limits, and how were they chosen? Ohio's required minimum for bodily injury liability is $25,000 per person, and on a serious injury claim that limit can be exhausted well before the bills stop.
2. Which coverages are actually on the policy? Comprehensive and collision are separate, and one can be present without the other.
3. What is excluded, and what would change that? Some gaps are addressed by an endorsement rather than a different policy.
4. What deductibles apply, and could you cover them if a claim happened tomorrow?

None of these has one right answer. It depends on your vehicles, who drives them, and what you have to protect. Coverage, limits, exclusions, and eligibility vary by policy and by carrier.

Read the full article: https://www.riseinsuranceohio.com/rise-academy/online-quotes-vs-local-agents-auto-insurance-ohio

Want help reviewing what your policy includes? Schedule a call: https://www.riseinsuranceohio.com/schedule-a-call

Flood insurance rarely starts the day you buy it.If you wait until a storm is in the forecast, coverage may not be avail...
09/30/2026

Flood insurance rarely starts the day you buy it.

If you wait until a storm is in the forecast, coverage may not be available for that event. A new NFIP policy generally has a 30-day waiting period before coverage begins, subject to specific exceptions. Certain mortgage-related purchases and qualifying map changes may follow different timing. Private flood policies may have different waiting periods and conditions.

Standard homeowners insurance generally excludes flood, so flood coverage is normally separate. Flood problems in Ohio may involve creeks, drainage channels, low-lying streets, or runoff reaching basements and lower levels. A property outside a mapped high-risk area is not guaranteed to stay dry.

Before the next heavy rain, review:
1. Whether your home and contents need separate flood coverage.
2. How the policy treats basements, deductibles, limits, and exclusions.
3. Whether NFIP or private flood options fit your situation.

Coverage depends on policy terms, eligibility, limits, exclusions, and carrier determination.

Schedule a call: https://www.riseinsuranceohio.com/schedule-a-call

Read the guide: https://www.riseinsuranceohio.com/rise-academy/flood-insurance-ohio-homeowners

Most homeowners assume their policy handles water. Flood generally isn't part of that.Standard homeowners policies gener...
09/28/2026

Most homeowners assume their policy handles water. Flood generally isn't part of that.

Standard homeowners policies generally exclude flood. That surprises people, because the word "flood" sounds like a big event you would see on the news, a river over its banks, a whole neighborhood underwater.

The National Flood Insurance Program, the federal flood program, defines it more narrowly and specifically: general and temporary inundation of normally dry land affecting at least two acres or two or more properties, with at least one of them being the insured property. That is the federal program's definition, and a private flood carrier may define flood differently. The policy language is what applies.

That definition is why the conversation gets confusing. Water backing up through a floor drain is usually a separate coverage question. A sump pump failure is another. A plumbing leak is another. Seepage and groundwater are another. Wind-driven rain that gets in through a damaged roof or window plays by different rules again.

None of those are automatically "flood." Which matters, because the coverage that responds depends on which one you are looking at, and on the policy terms.

So the practical question is not whether you live on a flood map. It is what water could realistically do to your property, a creek at the end of the street, a low-lying driveway, a walk-out lower level, a finished basement, drainage that already struggles in a heavy spring rain, and how your current coverage addresses each of those. Being outside a high-risk zone does not mean the question goes away.

Coverage, exclusions, limits, and eligibility vary by policy and by carrier.

If you are not sure how your policy treats water, that is a good reason to review it before the next storm, not after.

Schedule a call: https://www.riseinsuranceohio.com/schedule-a-call, or call (614) 586-7454.

You just replaced your roof. Is now a good time to review your home insurance?Roof age is one of the factors many carrie...
09/25/2026

You just replaced your roof. Is now a good time to review your home insurance?

Roof age is one of the factors many carriers consider when pricing home insurance. A brand-new roof can look different on an application than a 17-year-old one, and because carriers don't all weigh roof age and claims the same way, that can open up options a homeowner didn't have before.

What makes the timing worth thinking about: that advantage is generally strongest while the roof is still new, often around the first couple of years, depending on the carrier's underwriting. Wait a few years and you may be comparing options after the window has already narrowed.

To be clear about what this isn't: a new roof doesn't guarantee a lower rate, and it doesn't make a claim disappear. Results vary by carrier, underwriting rules, claim history, location, and the coverage you choose. Some carriers offer new-roof discounts; others don't.

The practical takeaway: if you've just replaced a roof, it's worth finding out how carriers see your home right now, instead of assuming.

Read the full breakdown: https://www.riseinsuranceohio.com/rise-academy/new-roof-insurance-shop-rates-ohio

Want us to compare your options? Schedule a call: https://www.riseinsuranceohio.com/schedule-a-call

Address

3887 Indianola Avenue
Columbus, OH
43214

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Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 5pm

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