Turner and Sly Insurance Agency, Inc.

03/23/2026

Help me keep you properly covered!

03/23/2026

Things That Keep Me Up At Night

As your insurance agent, there are things that scare me. Some of these things have to do with me, some with you, and others are just beyond the control of either of us. But that’s life, so I just want to point out some things that we can control, and some that we can’t, in the hopes of making our relationship and your insurance program as “transparent” as possible.

Although most people don’t treat it as such, your insurance policy is a “Legal Contract” between you and the insurance company. Both parties have “rights” and “responsibilities” under the contract, and the coverage either exists, or does not, based on the contract. The DECLARATIONS Page is NOT the contract – the pages following the declarations page are the contract and explains when and how the coverages are applied. I’ll be doing this in small bits at a time, so be sure to check back and keep up to date with this series.

What keeps me up at night? Many times, when a client gets a new vehicle, the salesperson at the dealership will tell them that they will notify your insurance carrier for you. Sometimes (usually) they do, but occasionally they don’t. Most policies do provide coverage for “newly acquired vehicles” but, there are limitations to how long that coverage lasts (usually somewhere between 10 – 30 days), and to whom it actually applies. Always call your agent to verify that the new vehicle has been added!

We want your claims to be paid, but the terms of the contract will determine whether or not the company will be able to pay your claim.

01/05/2026

The Most Stolen Cars of 2025:

1. Hyundai Elantra 11,329
2. Hyundai Sonata 9,154
3. Honda Accord 8,531
4. Chevy Silverado 8,006
5. Honda Civic 6,396
6. Kia Optima 6,011
7. Ford F-150 4,996
8. Toyota Camry 4,986
9. Honda CR-V 4,889
10. Kia Soul 4,380

03/21/2025

If you're like most of us, reading insurance policies is not high on the list of "things to get done". You get your renewal in the mail, take a quick look and confirm that's your house and your cars, then stuff all that paperwork away somewhere, probably never to be seen again until it's thrown away someday!

BUT WAIT - there's usually a bunch of papers in that package to "INFORM YOU" of the changes that the company made to the policy in the last year. You have now been duly and legally informed of those changes. Those changes may be significant, and if you don't read, or even look at, those notifications, you may be missing something important. So, don't be so quick to just stash all that paperwork away somewhere. Take a look and if you have any questions consult your AGENT to help you understand them!

Recently, most companies have been changing the way ROOFS are covered. If your policy is more than a year or two old, I can almost guarantee it! You may have increased deductibles and / or settlements based on a depreciation schedule.

It's much better to be informed ahead of the claim instead disappointed at the time of the loss!

02/04/2025

We're Happy to represent and support a "Local Company" here in NE OHIO!

12/24/2024

Wishing you all a SAFE and Merry Christmas!

12/24/2024

Make it easy to protect your property!

Clear those hydrants.

11/25/2024

We're entering the season where lot's of us will be travelling on the highways. PLEASE! Slow down. Obey all traffic laws. Be courteous to the other drivers on the road - especially those driving trucks and delivery vehicles. Don't drive if you are impaired.

Yes, we're all in a hurry to get where we're going, but the couple of minutes you might save are not worth the price in lives lost, property destroyed and the aggravation of dealing with a mishap.

We wish you all a Happy Holiday season starting now through the new year!

Tom Sly
Jason Turner

11/22/2024

11/08/2024

Thank You Veterans!
We appreciate your service.

10/14/2024

Have you still got Lienholders listed on your auto insurance policy after the loan has been paid off? How about mortgagee's on your homeowner's insurance that no longer exist? It's important for you to let us know.

If you have a claim and the policies show those lenders, your claim payment will probably be made payable to you and that lender! That means you will need to get that lender to sign off on the check for you, or send the check back, get the lender removed from the policy and then have the check re-issued in your name only. Both of these will hold up the availability of your claim payment for your use.

By taking these prior lenders off the policy before you submit a claim it's a lot easier and quicker to get the claim settlement dollars in your hands.