As the back-to-school season kicks into high gear in Ohio, families are balancing hectic schedules, school supply lists, and adjusting to new routines. With so much going on, it can be easy to overlook something critical: making sure your home, auto, and especially your teenage drivers are properly protected. At Preferred, our purpose is clear—to

Summer in Ohio means cookouts, fireworks, lake days, and long, sunny evenings with family. It also means higher risks: from fire hazards on the Fourth of July to property damage from extreme heat, and more time spent on the road or water. Being prepared and properly insured can save you a lot of stress, time,

You’re Responsible for What Tenants Do Even if you have a great property, what your tenants do inside it can create major liability and insurance issues. Key Concerns: Unauthorized Business Use: Operating a business out of a residential unit can void coverage. Excessive Occupancy: Overcrowding leads to increased wear and tear, fire risk, and health

Solid Structures Mean Solid Coverage Insurers need to know the property is in sound condition. Structural neglect can cause or worsen claims and make properties uninsurable. Key Concerns: Roof Damage: Leaks and missing shingles signal risk for water damage. Foundation Cracks or Water Staining: Suggest settlement issues or potential flooding. Peeling Paint or Rotting Wood:

Outdated Wiring = Unacceptable Risk Faulty electrical systems are among the top causes of rental property fires. Insurers and inspectors alike take electrical safety seriously. Key Concerns: Exposed or Damaged Wiring: Indicates poor maintenance and high fire risk. Improper Use of Extension Cords: These are not substitutes for permanent wiring. Overloaded Outlets and Panels: Can

Fire Prevention Is a Legal and Insurance Must Rental properties must be equipped to prevent, detect, and respond to fire emergencies. Inspectors often find missing or outdated equipment that could lead to claim denials or increased premiums. Key Concerns: ABC-Rated Fire Extinguishers: These should be in every unit and common area, regularly inspected and replaced.

Safety Starts With Solid Ground Tenants and guests move in and out daily. Ensuring your walkways and stairs are safe isn’t just good practice—it’s essential for protecting yourself from lawsuits. Key Concerns: Cracked or Uneven Sidewalks: These are one of the most common causes of injury-related insurance claims. Loose or Missing Handrails: Any stair with

First Impressions Matter to Insurers Too When insurance inspectors visit a habitational or rental property, one of the first things they evaluate is the exterior. Overgrown shrubs, cluttered yards, and misplaced grills aren’t just cosmetic issues—they pose real risks that can impact your coverage or premium. Key Concerns: Overgrown Vegetation: Tall grass, bushes, or weeds

Summer in Ohio is a time for adventure—whether you’re cruising on a motorcycle, exploring trails on an ATV, relaxing on a boat, or camping in your RV. These recreational vehicles offer joy and freedom, but they also come with responsibilities. Proper—and adequate—insurance coverage ensures your summer fun doesn’t turn into financial stress. Why Insure Your

Spring storms in Ohio can be unpredictable, bringing heavy rain, strong winds, hail, and even tornadoes. Being prepared can make all the difference in protecting your home, family, and finances. Here’s what you need to know to stay safe and how to react when severe weather strikes. 1. Prepare Before the Storm Hits Review Your