INSURANCE INSIGHTS
Better questions lead to better coverage conversations.
Explore approachable guides for life changes, property decisions, and business risks. These articles are general information—not a substitute for policy terms or advice specific to your situation.
Your E-Bike Has a Motor. Does Your Insurance Know?
Your e-bike deserves more than “I think it’s covered.” Learn which coverage questions to ask before your next ride.
A small business insurance review starts with your operations
Business insurance should follow the work you actually do. Prepare for a review by listing your locations, property, vehicles, contracts, and interruption risks.
Five moments to revisit your auto insurance
A new driver, car, move, commute, or major life change can affect your auto coverage. Use these prompts to prepare for a useful policy review.
Umbrella insurance and your underlying liability limits
An umbrella policy is an added liability layer, not a replacement for home or auto insurance. Learn why underlying limits and eligibility matter.
Home insurance questions worth asking before you need it
Go beyond the premium. These questions about rebuilding costs, belongings, deductibles, liability, and exclusions can make your next homeowners coverage review more productive.
Sewer Backup vs. Groundwater vs. Flood: What Does Homeowners Insurance Actually Cover?
After weeks of heavy rain, water in the basement is one of the last things any homeowner wants to see. But once the cleanup starts, an equally important question usually follows: “Is this covered by my homeowners insurance?” The frustrating answer is: it depends on where the w...
Why Did My Car Insurance Go Up? 5 Common Mistakes That Could Be Costing You More
You open your insurance renewal. The premium is higher. You haven’t filed a claim. You haven’t received a speeding ticket. You haven’t bought a new vehicle. So…what happened? It’s one of the most common questions we hear at McKinnon Insurance. While insurance rates can increas...
Will Any Traffic Violation Raise My Insurance Rates?
The truth about speeding tickets, moving violations, and what really affects your car insurance premiums in Ohio. We’ve all been there. You glance in your rearview mirror and suddenly see flashing blue lights. A few minutes later, you’re pulling back onto the road with a citat...
My Teen Driver Was in an Accident. What Should I Do?
An Ohio Parent’s Guide to Handling the Unexpected Your phone rings. You glance at the screen and see your teenager’s name. When you answer, all you hear is crying. “Mom…” “Dad…” “I was just in an accident.” In that instant, nothing else matters. Not the car. Not the insurance....
A Rock Cracked My Windshield. What Should I Do?
A Guide for Ohio Drivers When the Unexpected Happens You’re driving down I-77 on your way to work when the dump truck in front of you changes lanes. A second later… CRACK! A rock bounces off your windshield. At first, it’s nothing more than a tiny chip no bigger than a pencil ...
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