FAQ Blog
List of Services
-
Agency Intro (Loveland, OH) At our agency, we believe you deserve top quality service, period. That's why we're committed to giving you the best of us. We'll make sure you have the right coverage, the right discounts, and can take comfort in knowing the things that matter most to you are protected. We also believe in giving back. As agents of change in our communities, our agency will rally around a new community cause. Together we can positively impact the lives of others around us. So for every friend you recommend to our agency for a quote, we'll make a donation to someone in need on your behalf. But why stop there? If you personally know of a child, a family, or an individual going through a tough time and think we can help them, let us know! We'll do our best to include them in our community cause program. If you'd like to learn more about other great local services in our area, be sure to check out the concierge tab on our website. This serves as your local business field guide, and we'll continue to add new businesses that have been recommended by our customers. Lastly, don't miss our monthly publication called "Our Hometown Magazine". It contains a local events billboard, delicious recipes, and other useful articles. Customers receive a new issue delivered to their email inboxes each month. Call us for a comparison quote or policy review today. We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comAgency Intro (Loveland, OH)
-
5 Reasons Why Your Home Insurance Increased (Loveland, OH) If you're a homeowner, then you've probably noticed that your home insurance rates have been going up lately, and if you're like most people, you're probably wondering why. Well, there are a few reasons for this. Now, one reason is the increased frequency of natural disasters. In the past few years, we've seen an increase in hurricanes, tornadoes, and wildfires. This has led to more claims being filed, which has in turn, led to higher rates. Another reason for the increase in rates is the rising cost of rebuilding a home. Thanks in part to inflation, the cost of building materials and labor has gone up in recent years, which means that it costs more to rebuild a home than it did in the past. A third reason why rates have increased is because of the increasing number of lawsuits being filed against homeowners. Thanks to our litigious society, more and more people are suing homeowners for things like slip-and-fall accidents and dog bites. And while most of these lawsuits are frivolous, they still add to the cost of insurance. Fourth, insurance companies have been increasingly struggling to make a profit. Due to the low-interest rates and the competitive nature of the industry, many insurers are finding it difficult to turn a profit. Now, this means that they have to raise rates in order to stay in business. And the final reason why homeowners insurance rates are on the rise is because of fraud. Unfortunately, there are people out there who try to file false claims in order to collect money from insurance companies. This fraud drives up the cost of insurance for everyone. So, there you have it. The five reasons why your homeowners' insurance rates are going up. While it may be frustrating to see your rates continuously rise, it's important to know that our insurance agency works with many different home insurance carriers. That means that we can find you options for great coverage and do so at the best rate possible. We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.com5 Reasons Why Your Home Insurance Increased (Loveland, OH)
-
What Life Insurance Do I Need For Mortgage? (Loveland, OH) Many families and especially those who have just moved into new homes, for example, have questions about how to set up life insurance protection for their mortgage. Now, in the event that tragedy strikes the major breadwinner of the household, a life insurance policy can actually be used to pay off the mortgage and allow the family to keep the home. Now, this type of policy is relatively straightforward, and it can be easily purchased from just about any life insurance carrier. Now, the policy can also be a part of a closing agreement on a new house, which usually means that premiums for the policy will be added to the monthly mortgage payment. Now, something that I also want you to also take note of is a mortgage policy can be engineered to provide a monthly benefit to the surviving family in addition to paying off the house. And, this provides an extra financial cushion which I think is just a huge huge plus. So, before making any final decisions, be sure to talk to your insurance agent to determine what kind of policy properly protects your family. We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comWhat Life Insurance Do I Need For Mortgage? (Loveland, OH)
-
Why Are My Homeowners Insurance Rates Going Up? (Loveland, OH) One of the most common questions we hear about Home Insurance is so simple and very understandable... Why are my rates going up? Now, I know it can feel frustrating and confusing. The trust is, there are a large number of reasons why you might see higher home insurance premiums and not all of them are things you can control. If there is an increase in the cost of replacement materials like lumber or stone, or in the cost of labor, that will probably translate into higher premiums. Now, likewise, if the value of your neighborhood is on the rise, and therefore, the value of your home is increasing, they will cost more to insure. Now, I also can't forget to mention that if there is a large number of people in your area making insurance claims, that could translate into higher rates as well. Your insurance agent might be able to help you find ways to offset these cost increases, so do not be shy to contact them to find out more. We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comWhy Are My Homeowners Insurance Rates Going Up? (Loveland, OH)
-
Can Life Insurance Be Cashed In Before Death? (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comCan Life Insurance Be Cashed In Before Death? (Loveland, OH)
-
When Is Homeowners Insurance Required? (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comWhen Is Homeowners Insurance Required? (Loveland, OH)
-
Does Your Auto Insurance Cover Car Rentals? (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comDoes Your Auto Insurance Cover Car Rentals? (Loveland, OH)
-
Concierge Program Overview (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comConcierge Program Overview (Loveland, OH)
-
5 Reasons For Financial Devastation (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.com5 Reasons For Financial Devastation (Loveland, OH)
-
Mackey Family Life Insurance Story (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comMackey Family Life Insurance Story (Loveland, OH)
-
Business Insurance Bad Luck Cases 1 And 2 (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comBusiness Insurance Bad Luck Cases 1 And 2 (Loveland, OH)
-
Why Choose An Independent Agency (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comWhy Choose An Independent Agency (Loveland, OH)
-
Business Insurance Bad Luck Cases 3 And 4 (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comBusiness Insurance Bad Luck Cases 3 And 4 (Loveland, OH)
-
Can Life Insurance Premiums Increase? (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comCan Life Insurance Premiums Increase? (Loveland, OH)
-
Can My Homeowners Insurance Be Paid Monthly? (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comCan My Homeowners Insurance Be Paid Monthly? (Loveland, OH)
-
Are Annuities A Good Investment? (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comAre Annuities A Good Investment? (Loveland, OH)
-
Why Get Life Insurance For Babies? (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comWhy Get Life Insurance For Babies? (Loveland, OH)
-
Do I Need A License To Get Business Insurance? (Loveland, OH) We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.comDo I Need A License To Get Business Insurance? (Loveland, OH)
-
Can Homeowners Insurance Be Included In Closing Costs? (Loveland, OH) I cannot tell you how often new home buyers ask whether or not insurance can be included in their closing costs. So as a general rule, yes, it can. But there are a few things you should address since buying a home can be complicated. Plus, you know, juggling the requirements of your lender, uh, the title company and the grow agent can be a complete headache. The best way to start is to ask the company doing your financing, what their insurance requirements are. Some banks want a full year of homeowners insurance and some only want six months. So it varies honestly. Uh Next, you have to find out if you can have your insurance paid out of your escrow account. That way your bank can actually handle the payments for you, which is great. Uh But before you make any final decisions, it is always a good idea to talk to your insurance agent and make sure that everything is set up correctly. Then once your financing is all established, then your homeowners insurance policy will activate and you'll be covered and then you can focus on enjoying your new happy home.Can Homeowners Insurance Be Included In Closing Costs? (Loveland, OH)
We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.com -
How Much Homeowners Insurance Should I Get? (Loveland, OH) Just about every homeowner wants to know the ideal amount of coverage on a home insurance policy. And while the simple answer is to say that your policy should cover the market value of your home. This actually might not include everything. So do not forget that a homeowner's insurance policy doesn't just cover, cover your walls and your roof, right? It should also cover your belongings like jewelry or furniture. For example. Now, a good homeowners insurance policy will extend to any smaller buildings that are attached to your home, like a garage or a guest house or a tool shed. For example, now when you add all of those things together, it's pretty funny how everything just adds up super quickly, uh, much more than the sale value of your home. Now, the best way to make sure that your coverage is adequate is to get an appraisal from an insurance agent that you absolutely trust. And uh, then you can identify the proper coverage without being over insured.How Much Homeowners Insurance Should I Get? (Loveland, OH)
We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.com -
Are Long Term Care Insurance Benefits Taxable? (Loveland, OH) A question we often get is whether or not long term care insurance is taxable. The truth is most long term care insurance benefits are not considered taxable income by the IRS. This is because they are treated similarly to reimbursements for medical expenses, which the IRS does not consider taxable. When you receive benefits, the insurance company will send you a 1099 LTC tax form showing that they paid it. People often believe they owe taxes because they receive this form. However, the 1099 LTC form helps with IRS record keeping. It doesn't mean you owe income tax on long term care when your insurance company pays your bills directly or reimburses you, you don't need to do anything else. The money simply comes out of your policy payout. Now, this is good news for those who receive long term care benefits because it means you don't have to worry about filing any additional tax forms. The benefits you receive can be used to cover costs like in home care, assisted living or nursing home expenses. And there may be exceptions to this depending on the type of policy you have. So it is always important to speak to a trusted insurance agent to get the most accurate information.Are Long Term Care Insurance Benefits Taxable? (Loveland, OH)
We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.com -
Will Auto Insurance Cover Medical Expenses? (Loveland, OH) If you're involved in a car accident. One of the first things you'll likely wonder is whether or not your auto insurance policy will cover your medical expenses. And the answer to this question is complicated and depends on several factors including the type of insurance policy you have the severity of your injuries and the state in which you live in most cases. However, your auto insurance policy should provide some coverage for your medical expenses. For example, your policy may help pay for hospitalization, surgery and other medical treatments. If you have comprehensive coverage. If you have collision coverage, your policy may help pay for damage to your vehicle. Now, in some states, personal injury protection or P IP is required by law and provides coverage for medical expenses regardless of who is at fault in an accident, it's best to consult with your insurance agent or company to determine what type of coverage you have and how it will apply in the event of an accident.Will Auto Insurance Cover Medical Expenses? (Loveland, OH)
We’d be happy to review your insurance coverage options with you! Give us a call at (800) 797-2016 or visit https://www.wilberprice.com
At Wilber-Price Insurance, we're committed to supporting local nonprofits like the Northeast Emergency Services Team (NEST), an organization dedicated to providing essential assistance to those in need within our community. NEST offers various services, including emergency food assistance, utility bill support, and access to resources for families facing financial hardship. Our mission is clear: we aim to uplift our community by lending a helping hand to NEST so they can continue their impactful work. But we need your help to make a difference. Our mission is inclusive and accessible; you can contribute without spending a dime. Simply refer a friend or family member to our agency for a no-obligation insurance quote, and you'll be supporting our cause. For every referral you provide, we will donate $10 to NEST, amplifying the impact of your generosity. Your involvement is important in realizing our goal of building a stronger, more compassionate community. Together, let's sow the seeds of assistance and hope where they are most needed, enriching lives and spreading positivity!
Renters insurance isn’t always something people seek out. It seems like an expense you may not want to have. However, there are some key benefits to having this type of insurance in place. The most obvious reason is that your landlord’s insurance isn’t going to cover your own property in the event of a fire […]
One never wishes for a car accident, but even the best driver can get distracted or find themselves unable to avoid another person’s poor decision. Note some of the most common accident scenarios so if you are ever in a similar situation, you can remind yourself to stay alert and watch out for other drivers. […]
There is nothing more heart-wrenching than seeing the resilience of young souls battling against the cruel grip of cancer. Even in the midst of this heartache, there's a beacon of light. In the face of childhood cancer, hope finds a home in the remarkable efforts of CancerFree Kids. At Wilber-Price Insurance, we're deeply inspired by their incredible effort as they strive to eradicate this devastating disease. Through groundbreaking research, compassionate support, and resources, they offer hope to the smallest fighters and their families, reminding us of the power of collective compassion and determination. We invite you to stand with us and support CancerFree Kids. For every friend or family member you refer to us for an insurance quote, we will donate $10 in your name to this extraordinary organization. Your referral not only secures the future for your loved ones but also contributes to CancerFree Kids' tireless mission, helping create a world where every child can dream, play, and grow without the shadow of cancer. Let's be the light that guides these young souls toward a brighter, cancer-free tomorrow.
Your family has finally arrived at the time in your lives where you have a teenage driver in the home. Your teen has passed the tests, logged their practice hours and is now ready to drive solo. While you may be ready to panic at the thought, comprehensive auto insurance coverage can set your mind […]
Homeownership comes with various responsibilities, and one of the most critical aspects is protecting your investment through insurance. Home insurance is designed to provide financial security in case of unforeseen events, but understanding the extent of your coverage is crucial. One common issue that homeowners may encounter is sewage backup. What Is Sewage Backup? Before […]
You might have heard that the best way to insure your household’s vehicles is to buy a multi-vehicle policy. This allows you the convenience of being able to insure every vehicle you own within a single plan, which does have its cost benefits. However, is this really the best choice for you? Some vehicles are […]
With rapid medical advancements, people are living longer than ever before—often well into their 80s or 90s. However, as people age, some will need more care than others. About 40 percent of retired adults are likely to spend time in a nursing home, or make use of another form of assisted living. It’s wonderful that […]
Buying a home for the first time is a very exciting step, but it can also be a confusing process. We’ve put together some information to help you plan each piece of the home-buying experience. To-Do List before Home Hunting Plan your budget: When figuring out how much you can feasibly spend on a house, […]
Agriculture provides a huge source of opportunity to farmers and their employees. If you plan on starting an enterprise, you will need the right resources and a lot of hard work. One important resource is insurance. Insurance can help protect your investment in case of an accident or natural disaster, but not all farm insurance […]
At Wilber-Price Insurance, we're committed to supporting local nonprofits like the Northeast Emergency Services Team (NEST), an organization dedicated to providing essential assistance to those in need within our community. NEST offers various services, including emergency food assistance, utility bill support, and access to resources for families facing financial hardship. Our mission is clear: we aim to uplift our community by lending a helping hand to NEST so they can continue their impactful work. But we need your help to make a difference. Our mission is inclusive and accessible; you can contribute without spending a dime. Simply refer a friend or family member to our agency for a no-obligation insurance quote, and you'll be supporting our cause. For every referral you provide, we will donate $10 to NEST, amplifying the impact of your generosity. Your involvement is important in realizing our goal of building a stronger, more compassionate community. Together, let's sow the seeds of assistance and hope where they are most needed, enriching lives and spreading positivity!
Renters insurance isn’t always something people seek out. It seems like an expense you may not want to have. However, there are some key benefits to having this type of insurance in place. The most obvious reason is that your landlord’s insurance isn’t going to cover your own property in the event of a fire […]
One never wishes for a car accident, but even the best driver can get distracted or find themselves unable to avoid another person’s poor decision. Note some of the most common accident scenarios so if you are ever in a similar situation, you can remind yourself to stay alert and watch out for other drivers. […]
There is nothing more heart-wrenching than seeing the resilience of young souls battling against the cruel grip of cancer. Even in the midst of this heartache, there's a beacon of light. In the face of childhood cancer, hope finds a home in the remarkable efforts of CancerFree Kids. At Wilber-Price Insurance, we're deeply inspired by their incredible effort as they strive to eradicate this devastating disease. Through groundbreaking research, compassionate support, and resources, they offer hope to the smallest fighters and their families, reminding us of the power of collective compassion and determination. We invite you to stand with us and support CancerFree Kids. For every friend or family member you refer to us for an insurance quote, we will donate $10 in your name to this extraordinary organization. Your referral not only secures the future for your loved ones but also contributes to CancerFree Kids' tireless mission, helping create a world where every child can dream, play, and grow without the shadow of cancer. Let's be the light that guides these young souls toward a brighter, cancer-free tomorrow.
Your family has finally arrived at the time in your lives where you have a teenage driver in the home. Your teen has passed the tests, logged their practice hours and is now ready to drive solo. While you may be ready to panic at the thought, comprehensive auto insurance coverage can set your mind […]
Homeownership comes with various responsibilities, and one of the most critical aspects is protecting your investment through insurance. Home insurance is designed to provide financial security in case of unforeseen events, but understanding the extent of your coverage is crucial. One common issue that homeowners may encounter is sewage backup. What Is Sewage Backup? Before […]
You might have heard that the best way to insure your household’s vehicles is to buy a multi-vehicle policy. This allows you the convenience of being able to insure every vehicle you own within a single plan, which does have its cost benefits. However, is this really the best choice for you? Some vehicles are […]
With rapid medical advancements, people are living longer than ever before—often well into their 80s or 90s. However, as people age, some will need more care than others. About 40 percent of retired adults are likely to spend time in a nursing home, or make use of another form of assisted living. It’s wonderful that […]
Buying a home for the first time is a very exciting step, but it can also be a confusing process. We’ve put together some information to help you plan each piece of the home-buying experience. To-Do List before Home Hunting Plan your budget: When figuring out how much you can feasibly spend on a house, […]
Agriculture provides a huge source of opportunity to farmers and their employees. If you plan on starting an enterprise, you will need the right resources and a lot of hard work. One important resource is insurance. Insurance can help protect your investment in case of an accident or natural disaster, but not all farm insurance […]
Perhaps you’ve put off the purchase of life insurance for some time now. You’re young and you don’t plan to be at risk of death anytime soon. Many people make the same decision, but that does not mean it’s the smartest decision to make. It is essentially risky to live without life insurance if you […]
According to the CDC, about 82% of children and about 61% of adults go to the dentist each year. Why the difference? Is it because adults don’t have problems with their teeth? Probably not. Maybe they are just busy or don’t like going to the dentist, or maybe they are afraid of the costs. If […]
How much you pay for your medication will vary, even if you have Medicare Part D coverage. That’s because every pill has a different value and use. How insurance companies pay for different drugs will likewise differ. This likely comes from the way Medicare’s prescription formulary pays. How does the formulary system work? Depending on […]
Umbrella insurance acts as a liability safety net for your other policies: When your auto and home liability limits are depleted, your umbrella kicks in to back you up. Umbrella insurance provides additional liability coverage for you and your family in the event of an at-fault accident or if someone sues you. This can make […]
Life insurance is a topic some people don’t want to talk about, and a topic some just don’t think about. If you fall into one of those categories, maybe it’s because it seems you are paying for something you will never use. But, those you love can benefit greatly from it. Some people are worried […]
Life insurance provides financial support to a beneficiary after your death. By comparison, disability insurance helps you during your lifetime. Many people benefit from both forms. These types of protections often provide essential help in some of your most challenging times. But, getting the policies just right can be a challenge. How can you approach […]
Although many people have heard of long-term care insurance, they don’t really know what it is or if they need it. Long-term care insurance helps pay for custodial and non-medical care services for policyholders who cannot perform everyday activities on their own, such as bathing, dressing, eating, toileting and transferring (e.g., getting in and out […]
At a glance, the difference between whole life insurance and term life insurance comes down to the cost and length of the policy, but there are some nuances to both types of coverage. The most important thing is that you have the coverage you need in place if the unexpected happens. What Is Whole Life […]
One of the biggest mistakes a homeowner can make when they are finalizing the details of a vacation is to let the excitement and anticipation of their journey overwhelm their better judgment, which can cause them to leave their home unprotected. If you’re planning a vacation, it’s best that you also be setting up measures […]
When you think of protecting your business, the first thing that comes to mind is probably the building, computer equipment and other physical assets that required a substantial investment. But liability risks are equally as important for you to consider. What is a liability risk? A liability is your business’ financial responsibility to another party. […]
Ergonomics is the science of optimizing an environment for maximum safety and efficiency. In the workplace, emphasizing ergonomics will not only improve your bottom line and boost employee satisfaction, but it will also reduce the number of workers’ compensation insurance claims made as a result of improving safety. Below, we outline several key tips for […]