How Often Should You Update Your Home Insurance Policy?

Posted on January 30, 2026January 13, 2026 by admin

Many insurance industry experts recommend updating your home insurance policy regularly. Yet you may not realize what this means or whether you need to involve your agent. Periodic reviews of your insurance coverage will keep your policy up to date and ensure your residence is protected as it deserves. The professionals at M & M Insurance Group, serving Chesterland, OH, can guide you through this process.

What Is an Insurance Review?

Reviewing your home insurance involves a thorough evaluation of your current policy to ensure it adequately protects your home, personal belongings, and financial situation. Doing so will help you identify coverage gaps, potential overpayments and possible discount opportunities. Your home insurance review has several key components that you can perform:

Check that dwelling and property limits are sufficient to cover losses
Compare rates from different carriers
Verify you have all possible discounts

While you can complete the first step on your own, you’ll need an insurance agent for the second and third steps. Giving your agent any updated information will ensure you have adequate protection and the best possible rate.

When To Update

You should review your coverage at least once annually, preferably a month or two before your current policy renews. This timing will allow you to analyze your current coverage and see how changes will affect your policy. However, some situations call for an immediate review of your coverage:

Substantial home renovations and additions
Acquiring valuable jewelry or artwork
Lifestyle changes, such as marriage, divorce, a new baby or adopting a child
Starting a home business
Adding a pool, hot tub or similar feature

Ensure that your home insurance meets your current needs by working with the professionals at M & M Insurance Group, serving Chesterland, OH. Contact our office today for an appointment.

Does Home Insurance Require You To Keep a Home Inventory?

Posted on December 31, 2025December 8, 2025 by admin

If you own a home, it’s important to have home insurance. Home insurance provides essential coverage that can help you rebuild or repair your home after a covered event occurs.

The professionals at M & M Insurance Group servicing Chesterland, OH, are here to help you find the best home insurance for your property. As an independent insurance agency, we work with many carriers to help homeowners compare and select coverage that’s right for them.

If you have home insurance, you may have considered making a home inventory. Understanding what a home inventory is and its benefits is crucial in the event of a claim.

What Is a Home Inventory?

A home inventory is a list of everything you own. Home inventories usually include information like purchase price, year of purchase, brand, and model number.

Some people use a spreadsheet to create their home inventory, while others download an app. If you don’t have a home inventory but want to make one quickly, you can also make a video of your home’s interior, focusing on items you own. Keep your home inventory in a secure location that’s easily accessible outside of your home, such as cloud storage, so you can get to it after a disaster.

Am I Required to Keep a Home Inventory?

Some homeowners are required by their home insurance company to keep a home inventory; others are not. Even if you’re not required to keep a home inventory, it’s still a good idea to make one.

What Are the Benefits of a Home Inventory?

Having a home inventory can make recovering after a disaster easier and faster. It’s hard to remember everything you own. Having a home inventory can help you replace items that you need if a disaster has destroyed your belongings.

Need Home Insurance? Contact Us

If you need home insurance or want to review your existing home policy, the professionals at M & M Insurance Group, servicing Chesterland, OH, are here to help. Call to speak with one of our knowledgeable insurance professionals.

Add-Ons You Should Consider for Your Auto Policy

Posted on November 26, 2025November 11, 2025 by admin

You can customize your auto insurance to make it fit what you want and need. The state of Ohio mandates that you carry liability coverage to protect other drivers from you. Most of the rest of what you choose to cover is up to you. At M & M Insurance Group, serving Chesterland, OH, our job as independent insurance agents is to help you to decide what add-ons, if any, you need to make your policy the perfect fit.

Collision and Comprehensive

Collision and comprehensive are generally required coverage only if you have an auto loan or are leasing your vehicle. However, if you rely on your vehicle to get to work or to go about the activities of daily life, you may want to consider keeping this coverage. It will help you repair or replace your vehicle in the event you are responsible for an accident.

Gap Coverage

If you have a new vehicle and an auto loan, you may need gap coverage to fill in the difference. As soon as your vehicle leaves the showroom, it loses value, and you could end up owing more than what the insurance company will pay you for the vehicle.

Full Glass Coverage

Glass coverage is covered under comprehensive coverage. With that insurance, there is a deductible. If you have full glass coverage, you won’t have to pay a deductible.

Rental Car Coverage

Rental car coverage allows you to have a rental vehicle while your vehicle is being repaired or replaced after an accident you are responsible for.

Roadside Service

Roadside service gives you a very similar array of coverage that compares to what is offered by the well-known auto club coverage but at a lower price.

If you live in or near Chesterland, OH, contact our team at M & M Insurance Group for all your auto insurance needs.

What is Fleet Vehicle Insurance?

Posted on September 30, 2025September 24, 2025 by admin

If you own a business in Chesterland, OH, that operates two or more vehicles, fleet insurance may be a cost-effective solution for your needs. It often costs less than purchasing separate policies for each vehicle and can cover a range of vehicles, from small cars to heavy-duty trucks. Additionally, multiple policy options are available, allowing you to easily customize coverage to suit your business needs without paying for policies that do not benefit you.

Liability Coverage

Liability coverage is a basic form of insurance required by law in Ohio. If you are concerned that your liability coverage may not provide sufficient compensation in the event of a major accident, you can purchase umbrella auto insurance to increase your coverage limits.

Collision Coverage

Collision coverage ensures you will receive compensation to cover the cost of repairing your company’s vehicles if they are involved in an accident.

Comprehensive Coverage

Comprehensive coverage is particularly important if you own expensive vehicles. It covers damage unrelated to collisions, including theft, vandalism, natural disasters, and damage to a vehicle’s windshield or windows. This type of coverage also provides compensation for damage caused by animals.

Roadside Assistance

If your business relies heavily on its vehicles to maintain customer satisfaction, roadside assistance can be an invaluable addition to your policy.

Call M & M Insurance Group for More Information

If you need more information about fleet insurance or would like to explore your policy options, please contact us at M & M Insurance Group. We specialize in helping businesses in and around Chesterland, OH, find commercial insurance that meets their needs at a reasonable price. Our team can explain the pros and cons of various policies, provide price quotes, assist with selecting a deductible, and offer additional support.

Home Insurance Costs Could Be Impacted by Attractive Nuisances: What Are They?

Posted on July 31, 2025July 25, 2025 by admin

Creating a home that fits your lifestyle is always rewarding. However, as a property owner, you must ensure the safety of others who visit your property—even those who may enter without your permission. An attractive nuisance is a feature on your property that could entice others, especially children, into potentially dangerous situations.

At M & M Insurance Group, we can help you purchase home insurance in Chesterland, OH, that accounts for these nuisances and provides guidance on minimizing associated risks.

What Are Attractive Nuisances?

Attractive nuisances are visible features on your property that may tempt children or others to use them unsupervised. Common examples include:

Swimming pools
Trampolines
Playgrounds
Playsets
Abandoned or neglected structures
Construction sites

How Can Attractive Nuisances Impact Insurance Rates?

These features are critical factors in determining your home’s risk level. If you plan to add any of these features, it’s important to inform your insurance provider. Additionally, taking steps to minimize risks—such as installing fencing to restrict access—can help reduce liability.

Homes with attractive nuisances may have slightly higher insurance rates. However, demonstrating risk mitigation efforts, like secure fencing, can help keep rate increases manageable. Most importantly, you must notify your insurance company about these features to ensure proper coverage.

How We Can Help

At M & M Insurance Group, we provide hands-on support to help you protect your property. Contact us for home insurance in Chesterland, OH, that safeguards you financially from the risks associated with attractive nuisances.

How to Help Your Child Find the Right Auto Insurance Policy

Posted on June 30, 2025June 24, 2025 by admin

Shopping for the right auto insurance policy can be overwhelming, especially for first-time drivers. As a parent, you can play a key role in guiding your child through this process while helping them gain a better understanding of auto insurance. While your support is invaluable, it’s also important for them to be hands-on so they can learn and make informed decisions. If it’s time for your child to get coverage, here are a few tips to help them find the right auto insurance policy. Once you’re ready to start shopping, you can rely on M & M Insurance Group, serving Chesterland, OH, for support!

Tips for Helping Your Child Find the Right Auto Insurance Policy

Here are some effective ways to help your child make the right choice when it comes to auto insurance:

Helping Them Set Up a Budget: Budgeting is crucial for understanding how much car insurance they can afford. By helping your child set up a budget, they’ll be able to identify policies within their price range and learn how to manage those costs responsibly.
Educating Them About Their Options: New drivers may not be aware of the coverage required or the options available for customizing their policy. Educating them about their choices will make it easier for them to select the right policy now and in the future.
Choosing the Right Vehicle: If your child still needs to purchase a car or if you’re gifting one to them, ensure they get a sensible, low-risk vehicle. Certain cars can raise premiums, making coverage less affordable. Opt for a vehicle that keeps insurance costs manageable.

Purchase Auto Insurance Confidently With M & M Insurance Group

At M & M Insurance Group, serving Chesterland, OH, we make auto insurance shopping easier for drivers of all experience levels. Compare quotes today or contact us for personalized assistance.

Will Home Insurance Cover Preventive Tree Removal?

Posted on May 30, 2025May 28, 2025 by admin

Leaning trees can pose a significant liability. They can easily fall onto people or your property, causing thousands in damage to structures. It’s understandable that homeowners’ insurance companies in Chesterland, OH, would want you to remove them, but they don’t always pay for removal. There are a few things to consider.

Companies Vary

While some companies will pay for preventative maintenance, such as waterproofing a basement or tree removal, others consider it the homeowners’ responsibility. Many view preventive tree removal as a form of property maintenance, which is the homeowner’s responsibility. Speak with an agent at M & M Insurance Group to determine what’s covered. They can also provide helpful advice and tips for ensuring your family and home are safe.

Required Removal

Many insurance companies require removal because the tree can result in an insurance claim. They may also require that homeowners pay the removal cost. Refusing to remove the dangerous tree can result in the modification of the policy to exclude damage caused by the tree if it falls, or higher insurance rates.

Covered Damages

There are several instances in which a homeowner’s insurance policy will cover damages if the tree falls. Many policies will cover structural damage and the removal of fallen trees. However, they often require that the tree fall due to a covered peril. For example, if it falls due to a tornado, you would need tornado coverage to cover the damage.

Many insurance companies differ in their coverage and what is considered standard maintenance. Always speak with a professional at M & M Insurance Group about your specific situation to get personalized advice. Contact us today to learn what we cover. We’re currently serving the Chesterland, OH area.

Is Theft and Physical Damage Covered With My Existing Auto Insurance Policy?

Posted on April 30, 2025April 23, 2025 by admin

As the owner of a vehicle (new or used), it’s essential to protect your investment, even when you’re not driving it. For drivers in Chesterland, OH, determining whether your existing policy covers theft and physical damage is crucial for peace of mind. At M & M Insurance Group, we’re here to help you find a suitable insurance policy and add-on protections that are right for you.

Driving in Chesterland

Even if you have a standard insurance policy for your vehicle while on the road, you may not have protection from damage or theft. It’s crucial to review your existing policy to determine add-ons that may benefit you. Working with an agent can streamline this process.

Types of Auto Insurance in Chesterland

In Chesterland, there are multiple types of coverage options, including liability, collision, comprehensive, uninsured/underinsured, and medical payment solutions. Currently, the only type of auto insurance required by law in Ohio is liability insurance.

Does Auto Insurance cover Theft in Chesterland?

Only comprehensive insurance policies cover theft for drivers living and commuting in Chesterland. Comprehensive insurance policies protect against vehicle theft, broken windows, and even theft of the vehicle. It’s important to note, however, that personal belongings in your vehicle will not be covered unless you have a standard renters’ or homeowners’ insurance policy.

What Covers Physical Damage to My Vehicle?

In Chesterland, comprehensive coverage protects against non-collision damage, while collision coverage protects your vehicle in the event of an accident. Proper coverage can assist with parking lot accidents, icy roads, and even head-on collisions with deer.

At M & M Insurance Group, we service a range of clients and drivers in Chesterland, OH. If you’re in Chesterland and want to review the coverage of your existing policy, we’re here to help. To learn more about extending the coverage you receive with your auto policy, contact us today.

Protect Your Business Against Property Damage With a Commercial Insurance Policy

Posted on March 28, 2025March 27, 2025 by admin

Owning a brick-and-mortar business brings with it the potential for physical damage to the property by a third party. In other words, if a customer or unexpected event damages your building, merchandise, or furnishings used for the business, commercial insurance will cover the damage. At M & M Insurance Group in Chesterland, OH, we can help you get the right commercial insurance policy that provides the appropriate coverage for third-party damage done to your business.

What Types of Physical Damage are Covered by a Commercial Insurance Policy?

A typical commercial insurance policy covers physical damage that’s been done to your building through various means. Some of the covered events include:

Broken windows
Fire damage
Water damage from broken plumbing
Vandalism and looting
Roof damage

A commercial insurance policy covers these and other events that cause physical damage to your property. Usually, the damage has to be accidental or caused by an individual who’s not connected to your business in any way.

Why Your Business Needs a Commercial Insurance Policy

The costs resulting from damage or theft can add up quickly, and if you don’t have a commercial insurance policy, you have to pay out of your pocket. Having a policy means you get the support you need to resolve the issue. In the meantime, you can focus on running your business and spend less time working on recovery because your insurer provides you with recovery assistance.

Contact Us Today to Get More Information About Protecting Your Business

At M & M Insurance Group in Chesterland, OH, we offer commercial insurance policies that protect your business against damage from a third party or unforeseen event. Call us today to speak to an agent about your options, and let us get you a comprehensive policy that covers just about every contingency your business might encounter.

Endorsements that increase your home insurance protection

Posted on February 28, 2025February 26, 2025 by admin

A home insurance policy includes basic types of coverage such as property, content, liability, and loss of use. These provide a broad range of protection but may not be sufficient for your specific needs. The use of endorsements or riders allows you to customize your home policy to fit your personal requirements. We will work with you at M & M Insurance Group in Chesterland, OH to ensure you have the coverage you need.

Windstorm Coverage

In some parts of the country, certain windstorm damages are not covered. Your policy may exclude tornadoes, hurricanes, or named storms. This rider will provide the protection you need to feel secure.

Sinkhole Coverage

Sinkholes are occurring more frequently across the country. While some areas seem more prone to sinkholes than others, if you feel that you are at risk, this endorsement will provide the coverage you require.

Sewer Backup

Most home insurance policies do not cover sewer backup, which is often considered owner neglect. However, there are instances when the backup is not related to any care you provide. By having this coverage, you protect yourself from the damage that such an event can cause.

Valuables Coverage

A standard home insurance policy covers most types of valuables, such as jewelry, art, or electronics, with limited coverage. The keyword is limited. You likely don’t have enough coverage if you have more than basic jewelry. Getting your jewelry appraised and then getting the correct amount of coverage is essential. Reading your policy so that you know the amount of coverage you have and whether it is adequate is crucial.

At M&M Insurance Group in Chesterland, OH, we are here to help you with your home coverage. Call our office or visit our website.

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