personal insurance

Tis the Season for an Insurance Review

Submitted by Hummel Financia... on Thu, 12/19/2019 - 7:00am

As another year comes to an end, it’s good to take stock of changes in your life or lifestyle that will affect your insurance protection in the New Year to come. The end of the year is a good time to conduct an insurance review to see if your policies still reflect the coverage you need or want. If changes are in order, it’s best to make them now so you can face the New Year with confidence knowing you’re fully protected against any eventuality. 

News Brief : Equifax Data Breach

Submitted by Hummel Financia... on Tue, 09/12/2017 - 3:46pm

143 Million People Potentially Affected in Equifax Data Breach

Equifax, one of the largest credit reporting agencies in the United States, was recently the victim of a massive cyber attack- an attack that may have compromised the personal information of 143 million people.

Donating to Disasters and Avoiding Scams

Submitted by Hummel Financia... on Thu, 09/07/2017 - 4:12pm

Hurricane Harvey was the strongest storm to make landfall in the United States since Hurricane Charley in 2004 and we will soon have Irma, an even stronger storm crashing into our shores this weekend.  News of the damage Harvey has caused to southeastern Texas is prompting people to help in whatever ways they can and we are certain that the same will occur with Irma.

Long-term Disability Insurance

Submitted by Hummel Financia... on Thu, 09/07/2017 - 9:40am

Disability insurance is coverage that provides you with income protection should you lose time on the job due to an injury or illness.  With disability coverage, you receive partial replacement of lost income.

For working-age individuals, disability refers to a medical condition that reduces your ability to perform your job duties.

What to know before you shop for a car

Submitted by Hummel Financia... on Mon, 08/07/2017 - 1:06pm

​What "options" are you legally required to buy?

Confused about what is and isn't required when buying or leasing a vehicle?  Ohio law

 requires drivers to meet financial responsibility requirements, which can be done by purchasing liability insurance.  In addition, when leasing or financing a vehicle, those contracts require you to have physical damage insurance coverage.

Beyond that, here are answers to common questions asked about dealer options.*

Personal Umbrella Policy: What is it and why should I have one?

Submitted by Hummel Financia... on Fri, 06/09/2017 - 8:49am

Who needs a Personal Umbrella?

You do not need to be wealthy to be sued for millions.  Juries determine damages based on the severity of an accident, not your ability to pay those damages.  Do you own or drive a vehicle?  Do you own or rent a home?  Do you want to protect the assets and investments that you worked hard to accumulate?  If you said yes to any of those, you need an umbrella.  The truth is EVERYONE needs an umbrella.