3 Safety Tips for Motorcycle Road Trips

By preparing for your motorcycle road trip in advance, you can avoid problems that could take the joy out of your travels. Planning ahead gives you time to service your bike, choose safe routes and check with your Ganley Family Insurance agent to see if you need to update your motorcycle insurance coverage. Before hitting the road this spring, consider the following safety tips for a smoother road trip.

Prep Bike and Gear 

Long distance travels can take a toll on your bike, especially if you get caught in inclement weather. Before hitting the road, take time to service your motorcycle to make sure it’s in mint condition. Ask your mechanic to check your fluids, valves, fuel system, electrical system, tires, etc., and give you an "all clear" before leaving the city.

Check your safety gear to ensure you have what you need for the road, i.e. helmet, riding boots, jacket, gloves, neck wrap, goggles, earplugs, etc. Don’t forget to pack rain gear in case you run into stormy weather.

Plan Routes Well

Plan your routes well to avoid problems with construction or getting stuck in the middle of nowhere. If you’re leaving the Brecksville, OH area for uncharted territory, make sure your GPS system is working properly so you don’t get lost. Look for routes that offer beautiful scenery, great road quality and the amenities you desire for safety and comfort. 

Drive Safely

Take your time to enjoy your road trip to the full. Drive safely, defensively and well within the speed limits of the roads you travel. Stop as often as necessary to rest and recuperate so you can stay alert and focused when you are riding.

For quality motorcycle insurance to protect you during your travels, contact your Ganley Family Insurance agent in Brecksville, OH.

Umbrella Insurance Options for Daycare Centers

Brecksville, OH daycare centers need to purchase many insurance coverage options to stay safe and protected. However, few understand the benefits of umbrella insurance, an oversight that we at Ganley Family Insurance hope to correct here.

Daycare Insurance is Diverse

A high-quality daycare should take out multiple forms of commercial insurance to ensure that it doesn’t suffer from any financial problems. Just a few forms of insurance that you should consider for your daycare center include:

  • General liability
  • Premises liability
  • Professional liability
  • Commercial vehicle liability
  • Corporal punishment liability
  • Abuse and molestation liability
  • Umbrella insurance liability

Each of these coverage options protects your daycare center in unique ways. For example, corporal punishment liability kicks in when one of your employees – or you – is accused of spanking or hurting a child in your care. But what exactly is umbrella insurance?

How Umbrella Coverage Protects You

Though daycare insurance should protect most centers from serious issues, umbrella policies are a great extra protective step. Umbrella insurance is extra coverage that kicks in when your other policies are drained. For example, extra liability coverage will protect you if your normal policy doesn’t cover an injury to a child.

In essence, umbrella insurance helps daycare centers avoid serious financial disaster by providing more coverage on their most important elements. In this way, you can run your daycare center in peace and know that your livelihood is protected from serious financial loss.

Find High-Quality Coverage That You Can Afford

As you can see, umbrella insurance is a great choice for daycare centers. So if you live in Brecksville, OH and run a daycare, please contact us at Ganley Family Insurance to learn more. Our agents will find you an umbrella insurance policy that is right for your needs.

What You Need to Know about Condo Insurance

Condo insurance in Brecksville, OH can differ from a homeowners policy, so it’s important to understand the differences. This will enable you to know what is covered and what is the responsibility of your master association.

Why You Need Condo Insurance

The HOA insurance may protect the outside of the building, but you need condo insurance to protect the inside of the building, which can include the floor, ceiling, and walls. You need it to protect your belongings. The insurance through your HOA won’t protect furniture, clothing, or electronics, and if your possessions are damaged or stolen, you need to file your own claim through your agent at Ganley Family Insurance. You also need insurance to protect you if someone gets injured in your condo. The master policy will cover if someone gets hurts in common areas, but what if someone falls on your staircase? If you aren’t able to live in your condo due to damage, then your personal condo policy will pay for expenses for you to live somewhere else. If damage exceeds the HOA policy, you may have to contribute to making up the difference. If you have loss assessment coverage as part of your personal policy, you can get some coverage to pay for this.

What Does It Cover?

Condo insurance will cover fire and smoke, explosions, theft, vandalism, lightning, wind, and hail, but will typically not cover floods, earthquakes, internal injuries to others, wear and tear, and damage from underground water.

In order to determine how much coverage you need, take a home inventory and also review your master policy. HOA plans can vary on what they cover inside. Some may cover lighting and original cabinetry, but others don’t cover anything. If your HOA policy doesn’t cover anything, then you will need more insurance to be safe.

Contact Ganley Family Insurance serving Brecksville, OH to get a quote on condo insurance. 

 

Types of Life Insurance

Life insurance is meant to protect the financial needs of your loved ones when you are gone. The type of coverage as well as the amount will greatly depend on your needs and circumstances. If you are in Brecksville, OH, Ganley Family Insurance can help you make an informed choice on which type is best for you. Below are the two major types of life insurance to choose from.

Term

This type of life insurance policy pays out only if death was to occur during the period of coverage, which usually lasts up to 30 years. The death benefit is paid out either as a monthly payment, lump sum, or an annuity, although people mostly go for the lump sum.  There are two primary types of term life policies namely; decreasing term and level term. In level term insurance policy, the value of the death benefit is maintained throughout the term. On the other hand, the death benefit in decreasing term drops during the policy’s term, typically in one-year increments. 

Whole

Also known as permanent life insurance, whole life insurance offers death benefit when you die, regardless of how many years you live. It also has a cash value component, which is an alternative to the death benefit. This policy is divided into three major types namely; universal life, variable universal life, and traditional whole life. The three have variations within them and it is important to consult a qualified insurance agent for a clear explanation and advice on which one best suits your needs.

When buying a life insurance policy, it is important to take your time and choose one that will work for your situation. Remember, there are policies that expire, those that are best for unhealthy or older individuals, and those that come with an investment kind of cash value. Also note that the cost of the policy you buy will depend on your gender, age, lifestyle, and medical history. Contact us at Ganley Family Insurance in Brecksville, OH for more information on the different types of life insurance.

 

 

Progressive home owners insurance: What you need to know!

Homeowners insurance is an agreement between you and your insurance company which basically covers your house, separated structures, lawsuits among others. Purchasing a progressive homeowners insurance policy is safe since it offers affordable and comprehensive homeowners coverage for most major risks including fire, theft, and flood among others.

Before settling down on a specific policy, it is important to understand what exactly you’re yourself to. The following guide will help you get a little knowledge on what you need to know about a progressive homeowner’s insurance cover.

1. Price. Various factors are considered when pricing homeowners insurance. Firstly, the size and cost of your home. Secondly, the materials used in constructing your home. Thirdly, your previous claims, and lastly the vulnerability of damages in your area and other safety features.

2. What is covered? Basically, there is a standard homeowners policy which is offered in most states. Nevertheless, it does not cover every aspect of your home. The standard coverage only shields your house, structures not attached to your house, your personal property not inclusive of your expensive items, temporary living expenses, injury on your property and lawsuits. Any other costs and items will need add-on coverage to cater for the expenses in case of perils.

3. Making a claim. Before making a claim, it is necessary to understand that there are some out pocket expenses that you will incur, the main payment being the deductible which is payable if you have another claim or if your home is damaged. Purchasing homeowners insurance cover with a company that has good reviews and great customer service will save you in case you have a claim to process since it’ll be handled efficiently without any headaches.

At Ganley Family Insurance in Brecksville, OH,  we offer great policies for major perils with great customer service. Call us or visit us today for an experience like no other.

Gain A Better Auto Insurance Policy With Ganley Insurance

Ganley Family Insurance in Brecksville, OH.  Our customers and the residents of Ohio are very important to us here. Valuing insurance is an extension of how we value our community, our property, our homes, and our lifestyle. Located Just 20 minutes away from Cleveland,  Ohio we are eager to serve all of your insurance needs today.

 Ohio FAQ’s

Two Ohioans And A Tree

Did you know that our fair state is credited with having the very first automobile accident? In 1891 two Ohioans in Ohio City ran into a tree.  By the same token, Ohio is credited with writing the first auto insurance policy. A wrong rated. In 1897 the first auto insurance policy was written in Dayton, Ohio. Here at Ganley  Family insurance, we continue to make good on Ohio’s word.  We’ve been trying to make up for it  by offering awesome insurance. 

One Half Of A Year Makes A Real Difference 

While we are not certain of the age of those drivers, we hope that they fared well and were adults. Though each state is different in their minimum age requirements for eligibility for driving learners permit, (temporary instruction permit) we especially like the fact that Ohio residents must be 15 1/2 years of age before they are issued a learners permit. Six months makes a huge difference in maturity and driving responsibility.  If all of the requirements are met drivers are able to receive a provisional license at the age of 16.

If you are ever in Brecksville OH, look us up.  We’d be more than happy to show you a professional, yet family oriented atmosphere while we deliver conscientiously ethical service to you and your family. 

Can I buy a policy for my niece and nephew when they’re babies?

While it can be fun to buy new baby gifts, it is even better be able to give a gift which will be meaningful and significant for the rest of the baby’s life. Many people ask whether they should purchase an insurance policy for young relatives.

The Earlier, the Better 

When you buy an insurance policy for a very young person, the policy itself costs very little. There won’t be a need for a physical exam, and the price will be locked in for the life of the policy. 

Once they’re old enough, they can choose what they want to do with the policy based on their plans and what kind of policy it is.

Get Permission

You will need to meet a few requirements to buy a life insurance policy for your young relatives. First, you need to prove you have an insurable interest, which basically means you need to prove you’re really related to them.

Second, if you are buying a life insurance policy for someone else in Brecksville, OH, you will need to get permission. If you have any questions about the requirements, you can ask any agent at Ganley Family Insurance. 

Insurance Can Be an Investment 

Whether you get a term life insurance policy or a whole life insurance policy, you will be making an important investment for your loved one if you purchase the policy early. Even a policy which only pays death benefits will get more expensive over time. A policy which can eventually pay out cash can help at an important time as a down payment or for a necessary purchase. 

If you live in Brecksville, OH, don’t wait to make this important decision. Call Ganley Family Insurance today to find the policy you’re looking for. 

What Exactly Does Home Insurance Cover?

It’s no secret that purchasing a home is a major life decision. As such, it’s important for new homeowners to invest in the proper protection by getting home insurance. While this kind of insurance is not a legal requirement in Ohio, it is nonetheless a very smart decision. So on this note, what exactly does home insurance cover?

Expecting the Unexpected

Nobody wants something bad to happen to their property, but the truth is that there are no guarantees that nothing will. Home insurance is, therefore, a precaution in the event that something uncontrollable does happen. From human causes to natural occurrences, insurance is a way to ensure that these events do not cause further damage and pain through financial loss. 

Covering the Home Inside and Out

A good home insurance policy should cover both the structure of the home itself as well as the valuables inside it. In fact, many people opt for a policy that will cover the total value of their home and belongings, in the event that it all needs to be replaced. While the specifics can certainly vary from policy to policy, it’s important to know that the following things can be covered:

  • Lightning strikes
  • Hail, rain and windstorm damage
  • Equipment replacement (furnaces, cooling system, etc.)
  • Fire damage
  • Water damage (such as from leaking or burst pipes)
  • Burglary
  • Identity Theft

Now, it is also important to understand that under a lot of basic policies, damage from certain natural disasters may not be covered. However, if you feel you are at risk, this may be a customizable add-on to your policy. 

Taking the Next Step

When you’re ready to start looking at insurance policies that fit your specific needs and keep your home protected, contact Ganley Family Insurance. As an independent, family-run insurance agency, Ganley is able to match clients in the Brecksville, OH area and beyond with different insurance carriers depending on the kind of coverage they are looking for. 

3 Questions to Ask When Getting Umbrella Insurance

Umbrella insurance can give you an added layer of liability protection on both a personal and professional level. If you’re found liable for a serious accident where damages exceed the limits of your home or business insurance coverage, umbrella insurance will pick up where these other insurance options leave off. Before purchasing umbrella insurance, talk to an agent from Ganley Family Insurance, Brecksville, OH, to get a better idea of what this insurance has to offer. Here are a few questions you can ask to determine if umbrella coverage would benefit you.  

What Liability Coverage Do I Currently Have?

Before extending your liability coverage, review your home, auto and business insurance policies with one of our agents to see how much coverage you currently have. Go over each of your plans and compare your liability coverage with your overall assets. If your assets are greater than your current liability limits, you may want an umbrella policy to protect your investments.

How Much Umbrella Insurance Do I Feasibly Need?  

People vary in the amount of umbrella coverage they need, depending on their assets and risks. Your agent can help you assess your situation and get personalized coverage according to your individual need. If you’re a frequent traveler, have a pool in your home or entertain often, you are at greater risk of accidents in which you could be held liable for damages. You should also review business risks with your agent to ensure you obtain sufficient protection against accidents on your business property.

What Will My Umbrella Policy Cost?

After determining how much umbrella coverage you want, get quotes for policy costs. The cost of your coverage should be well within your budget so as not to put a strain on your finances. For umbrella coverage that protects your interests at affordable costs, contact Ganley Family Insurance, Brecksville, OH.    

When Can You Claim Your Life Insurance?

Life insurance is a cover that everyone needs to take care of their loved ones after they are gone. It sure cannot provide emotional satisfaction, but it comes in handy on keeping them economically stable after the loss. You can take it for yourself or elderly parents. Besides, no one is too young or too old to take a life insurance claim.

That said, when should you claim on life insurance? We at Ganley Family Insurance LLP offers some important hints for those living in Brecksville, OH.

After death

Life insurance benefits are paid after a person dies. Therefore, the claim can only after the person is declared dead, clinically of course. It is, therefore, necessary to have a copy of the death certificate as well as the insurance policy document. Burial insurance covers should be claimed before the burial or soon after.

Unique policy requirement

Some types of insurance policies such as group covers have different claim time frames. The benefits can be available for the first person who dies or when the last person dies. Such details are worth looking into when considering to file a claim on a policy that covered more than one individual, say, spouses.

As soon as possibly possible

Due to some reasons, it might be impossible to file a claim on life insurance. They include divorce, sibling rivalry, loss of the policy document or not knowing that the person had taken a life insurance cover. Fortunately, those who stay in Brecksville, OH can make the claim decades after the death of the insured. Most states also allow unlimited time on when to file the claim.

It is important to safeguard the future of your loved ones by taking life insurance. Contact Ganley Family Insurance for information. We are experienced in family insurance coverage and are willing to help with your questions.