Blog – Alan Galvez Insurance Ltd.

Just Say NO to a Free Roof Inspection

Roofing scams tend to occur after a big storm or natural disaster. In our little corner of the ...

picture of a man on a roof taking measurements

When it comes to homeowners insurance, your roof has always mattered. However it's never mattered more than now. ...

Thankfully this situation doesn't happen that often. But when it does, the confusion and anger that the insured ...

This event is designed to honor our flag, Flag Day and the many men and women who have ...

Canadian Non-resident Inter-provincial Motor Vehicle Liability Card

Many people routinely drive into Canada without thinking if their car insurance will provide coverage in the event ...

We've seen a trend the last few years of customers turning in homeowners insurance claims anytime something goes ...

picture of an insurance claim form sitting on a computer keyboard

When I first started in this industry, it was very common to submit a homeowners insurance claim every ...

American flag with bald eagle in background

This event is designed to honor our flag, Flag Day and the many men and women who have ...

Here's the answer you've come to love- MAYBE. Insurance is regulated by state law, so I can only ...

picture of house, family with an umbrella that says renters insurance

We've run into several situations lately where a customer moves into an apartment complex and buys the renters ...

Once the excitement of your teen driver getting his license wears off, reality hits and you ask the ...

teenage girl siting in driver's seat leaning out window holding car keys

For a teenager, there really isn’t a greater day than getting your driver’s license. And for a parent, ...

Unfortunately, we've seen this happen more often than we'd like. And if you're the driver who's been hit, ...

computer keyboard with insurance claim written on it

CLUE is an abbreviation for Comprehensive Loss Underwriting Exchange. What is it? It's a claims history database produced ...

Even 26 years into this business, there are still surprises from time to time. Like the above question, ...

So you've decided to sell your home, but are staying there for a period of time after the ...

vehicle sitting on top of a descending pile of coins

If you've recently bought a new car and had to take out a loan to purchase it, then ...

the word cost sitting on an arrow pointing upward

After two years of flat and even decreasing premiums, 2022 is going to be a different story. Most ...

After a brief hiatus (although it feels like forever), our annual flag exchange program has returned! This event ...

Whether it's an ad with a general, a lizard or a catchy jingle, all of them say the ...

Subrogation is by far the BEST tool you have in the event of a claims issue. But unless ...

It's an exciting time for you- after months of house shopping, you've found the home of your dreams. ...

Commercial auto insurance is similar to personal auto insurance and includes such coverage as liability, medical payments, uninsured/underinsured ...

woman with question marks above her head

Let's face it- unless you're in insurance, you probably don't spend too much time reading about insurance, let ...

two people looking at their cars after an accident

In many car accidents, it's pretty clear who's at fault, so the at-fault driver's insurance company accepts liability ...

the word liability on a black background

Ohio homeowners insurance is what is commonly referred to as a "package" policy, meaning it includes coverage for both ...

Let's be honest, unless you're in the insurance business, you probably don't know what uninsured and underinsured motorists ...

Time for your favorite answer: MAYBE. While there are many black and white situations in insurance, there are ...

Although Ohio isn't known for major weather catastrophes, the surge of heavy rains over the past few years ...

It’s a scene that strikes fear in many of us: You go to bed one evening and wake ...

picture of house with insurance claim form

Have you ever had an Ohio homeowners insurance claim? If you don't know what to expect, it can ...

Let's say you're shopping for new Ohio car insurance. You provide all the details necessary to get a ...

Although a mortgage escrow account is technically not insurance, we're going to discuss it here because one of ...

While you may be shaking your own head, thinking "No way is this possible!", I'm here to tell ...

The insurance industry has done a pretty decent job of educating the public that when you’re involved in ...

You attempt to start your car one morning, and it won’t start. So you have it towed to ...

If you're lucky, you've never been involved in an auto accident. But that doesn't mean it will never ...

outline of house with upward facing arrow

So you just received your Ohio homeowners insurance renewal and noticed that your premium increased. Your first question is, naturally, ...

If you think your landlord has you covered, think again. Whether you live in a rented property or ...

person holding a small house in their hand

Here comes your favorite answer: MAYBE. The answer depends on what type of homeowners insurance policy you have. ...

Reason #1- "I'll get around to it" and never do- TRUE Story I don't even remember now how ...

Whether you re-finance your mortgage or the mortgage is sold off to a different lender, your Ohio homeowners insurance ...

Although condos (condominiums) have been around for a long time, they have been gaining popularity over the past ...

Whether you're an established homeowner or buying your first home, you already know that having a solid Ohio homeowners ...

Have you looked at your Ohio homeowners insurance policy lately? Hint: it's Ok if you say No. Insurance ...

Displays the words Medicare Supplement Insurance Plan

My agency has long focused on working with senior citizens as they approach Medicare age, mainly by offering ...

Being a motorcycle rider myself, I'm immensely proud of my "scoot." I've even been teased and penned as ...

Whether you're looking to buy a home that has a swimming pool OR are considering installing one at ...

Do you serve on a board of directors? As a way to "give back", many people serve on ...

Get ready for everyone's favorite answer: It depends. Truthfully, the answer to this question could easily differ depending ...

Every once in a while, we get questions that make us really stop and think. Case in point- ...

One of the most common questions we receive from customers goes something like this: I just let my ...

We previously discussed fallen trees and what coverage the Ohio homeowners insurance policy provides for repair and cleanup. ...

One of the most common Ohio homeowners insurance claims we encounter is a tree falling on a property. Of course, ...

If you submit an Ohio auto insurance or home insurance claim and then decide you no longer want the insurance company involved, ...

As a general rule, Ohio homeowners insurance does automatically renew. BUT.......there are SOME exceptions. Read on for TWO common automatic ...

So you open your mail and see a quote from ABC Insurance Agency "customized just for you!" You ...

I’m going to be honest- this is one of those articles I NEVER wanted to write. There is ...

Luckily, most Ohio car insurance claims are handled well and settled pretty quickly. But sometimes, they aren’t. And ...

As a general rule, coverage for dog bite claims comes from the liability section of your Ohio homeowners, condo or renters insurance policy. ...

So you're making the leap and building a new home. Let the fun begin! However, in between picking ...

If you are ever involved in an auto accident in Ohio, and the damages are serious enough, chances ...

Easy answer- No. However, that doesn't make a very long blog or helpful blog post ;) So, in ...

So you just received your Ohio car insurance renewal and noticed that your premium increased. Maybe even a lot. And ...

Fire is still the number one cause of loss for an Ohio homeowners insurance policy. Not only can a ...

Each seems each year brings more rain to Ohio, and more water in basements. However, homeowners insurance policies ...

Just like any insurance policy, an Ohio umbrella insurance policy doesn't cover everything. This article lists several common exclusions, including two ...

This article clears up a big assumption about when you can switch car insurance. By reading this article, ...

Let's be honest- we've all said "Full Coverage" in reference to car insurance. Even us insurance agents have ...

The answer is a resounding “Probably.” Yes, I know how much you hate answers like that, BUT Ohio car ...

When you buy a home, especially the first time, your lender will often require a mortgage escrow account ...

In the many Ohio homeowners insurance claims we've seen over the years, roofing and siding claims cause the most frustration ...

A car accident on private property can often work differently than accidents on public roadways. This article walks ...

If you're thinking about taking the leap into business ownership, there are many things to consider and insurance ...

Although Ohio changed it's driver license a few years ago, not everyone has had a chance to renew ...