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As an independent agency, we are here to help you find the right coverage.
Personal Solution……………s
Reliable guidance and remedies to safeguard the things that are most important.
Business Solution……………s
Insurance and risk mitigation for businesses of varying sizes.
Employee Benefits
Insurance that can aid in attracting, retaining, and safeguarding your team.
The Advantage of an Independent Agency Working for You
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NRK-Hogan Insurance
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We are an independently owned and operated insurance agency focusing on securing customized insurance policies for businesses and residents in West Virginia, Indiana, Michigan, and Ohio. For over 70 years, NRK-Hogan Insurance has delivered risk management and insurance solutions to clients in the Miamisburg area and surrounding areas.
We are dedicated to serving individuals, businesses, and families, ensuring that we work with a variety of reputable insurance carriers to provide our clients with viable options and meet any insurance needs. As an agency, we act as a one-stop-shop, offering a wide range of insurance options to give each client the best possible experience.
Community Focused
We take pleasure in having the chance to contribute to our community and gladly participate in our local philanthropic causes and associations.
Clients Come First
We prioritize customer contentment while providing sincere, transparent, and comprehensive resolutions in safeguarding the requirements of our customers.
Experienced Agents
Our agents have over 150 years of collective experience; therefore, we are knowledgeable about what it takes to bring you quality coverage.
Service Beyond Sales
Our support does not stop after securing a policy; each client will receive the same care and focus on claims, changes, etc.
Customer Satisfaction
We ensure that every client’s requirements are fulfilled by creating personalized solutions to safeguard their specific individual or business vulnerabilities.
Convenient Solution……………s
It is beneficial for you to protect yourself in order to gain a better understanding of us; we aim to meet our clients in person as it is necessary for our house calls and face-to-face interactions.
“They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.”
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NRK-Hogan Insurance + Erie Insurance
We strive to uphold Erie Insurance’s long-standing commitment to service.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Fire.
Risk Factor……………
Fires can be extremely destructive. In addition to the physical damage they can cause to your home, they can also have a significant emotional impact. Do you have sufficient insurance to replace the contents of your home? It is important to remember that construction and building material costs rarely align with real estate values and inflation rates. Rebuilding a home can often result in significantly higher costs than expected.
Solution……………
Your homeowners policy should include coverage for replacement cost without any limit. This safeguards you in case the expenses to rebuild your home exceed your current coverage limit. Moreover, it is important to have insurance that covers the rebuilding of your home to meet the required building codes. There may be additional expenses involved, as local ordinances and building codes frequently undergo changes, often quite frequently.
Personal Belongings / Possessions – Damage to Property.
Risk Factor……………
Furniture, appliances, clothing, electronics, and other personal belongings can also suffer damage or destruction. Additionally, your personal property is susceptible to harm when an unforeseen incident results in damage to your residence.
Solution……………
Make sure your homeowners insurance policy includes replacement cost coverage for damaged items, so you always receive the full cost of whatever item you need to replace. Typically, homeowners insurance policies cover personal property, including the contents of your home and other personal items owned by you or members of your family who live with you.
Additional Cost of Living / Loss of Utilization.
Risk Factor……………
In the event of significant damage to your home caused by unforeseen circumstances like lightning, fire, or a storm, you might have to bear additional costs for accommodation, meals, and other everyday necessities, making it impossible for you to reside in your house until it is restored or reconstructed.
Solution……………
Ensure that your homeowners insurance policy provides coverage for additional living expenses and reasonable housing costs incurred if your temporarily uninhabitable house needs to be rebuilt or repaired, compensating you for the additional costs of living and housing expenses during the covered event.
Valuable Possessions.
Risk Factor……………
Usually, homeowner insurance policies have a limit on valuable items like jewelry, furs, fine arts, and other collectibles.
Solution……………
Obtain a personal flotation device or organize insurance coverage for your valuable possessions to guarantee that you will possess the finances required to substitute them.
Medical Expenses.
Risk Factor……………
If a guest is injured on your property, you may be required to pay for any medical expenses associated with their injury, even when it’s due to a friendly game of baseball.
Solution……………
Normally, medical expenses are usually paid without any liability claim being filed against you. In the event that a person is injured on your property and requires medical attention, you should be able to submit the injury-related medical expenses to your insurance carrier. It is generally not necessary for the injuries to be of a serious nature in order for the policy to cover medical expenses and provide care for treatment.
Personal Liability.
Risk Factor……………
If anyone slips and falls on your property, you and your family could be held responsible for any injuries that occur in the unfortunate event.
Solution……………
You should consider purchasing a personal excess or umbrella liability policy to provide additional coverage limits to protect your assets in case you are brought against a lawsuit. Your homeowners policy includes personal liability coverage to respond to incidents where damages or injuries occur to a third party, and you may be deemed negligent.
Miscellaneous Coverage.
Risk Factor……………
The coverage provided by insurance companies for homeowners’ policies may vary from state to state, and it is important to note that having a trampoline in your backyard can also come with serious risks.
Solution……………
When insuring your homeowners policy, it is important to ensure that many insurance providers refuse to cover items such as trampolines and liability.
Personal Harm / Slander.
Risk Factor……………
Young people are typically very active online. However, using other websites and social media platforms can increase the possibility of indirectly or directly damaging someone’s reputation and exposing them to a lawsuit. As a parent, it is important for you to be aware of this.
Solution……………
You may need to seek additional coverage to protect against personal injury or defamation liability. Your homeowners insurance policy includes liability coverage for property damage caused by any member of your family, but it is unlikely to cover damage to your reputation caused by statements or rumors.
Excess Liability Coverage for Umbrella Policies.
Risk Factor……………
Do you have enough money saved to cover your legal costs and responsibilities? After a long legal battle, your family and you are financially responsible for their injuries, so they decide to hire a lawyer to represent them. One of your guests dives into the shallow end of the pool and permanently injures themselves, prompting you to invite guests over for a pool party.
Solution……………
Excess liability insurance is available to homeowners through an endorsement, providing additional coverage separate from their existing policy. By adding an excess liability policy or an umbrella policy, you can increase the limits on your personal liability, offering both security and financial value to your current homeowners or auto insurance policies.
Flood Coverage.
Risk Factor……………
Could your home be at risk? Your homeowners policy does not cover flood damage. With changing weather patterns and more frequent occurrence of damaging storms, losses from floods are becoming more common in places that are not normally prone to flood damage around the globe. You do not have to live near a body of water to suffer loss due to flooding.
Solution……………
Purchase a flood insurance policy to protect your home and contents from certain types of flood losses, as known through the federal National Flood Insurance Program (NFIP), by programming your own carrier to write a separate flood policy.
Secondary Home.
Risk Factor……………
Having a second home has the possibility of amplifying your liability risks.
Solution……………
To ensure higher liability limits, you should consider adding your secondary home to an excess liability or umbrella policy. Additionally, it is advisable to expand the liability coverage of your homeowners policy to encompass your secondary home.
Collector Cars.
Risk Factor……………
Homeowners insurance typically does not adequately protect them, as classic or collector vehicles often have unique insurance requirements, special documentation, and significant value.
Solution……………
Insure your collector cars with a specialized insurance company that understands and focuses on unique vehicles such as classic cars and other collector cars.
Wine Collection.
Risk Factor……………
If you are a wine connoisseur and your collection is damaged, it can be ruinous, as the damage is only covered by your homeowners policy if it is an insurable cause of loss outlined in the policy. However, it is important to note that your policy is susceptible to environmental exposures outside of your control.
Solution……………
If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy, as it expands your coverage and eliminates the deductible in case of loss. Additionally, you should also consider unique coverages for wine, such as spoilage protection.
Water Damage.
Risk Factor……………
Loss to a home is the most prevalent reason for damage, water damage, whether originating from the plumbing system within your home or from a flood entering from outside. Numerous policies exclude losses caused by the backup of sewers and drains, and all homeowner policies without endorsements exclude damage caused by a flood.
Solution……………
Firstly, it is important to find cost-effective measures to tackle the potential harm caused by floods. It is advisable to consider options such as securing insurance coverage for sewer and drain backups in order to safeguard your property and possessions against any type of water-related harm. Thorough examination and evaluation are crucial in this process.
Off-Premises Theft.
Risk Factor……………
Interestingly, regular car insurance does not provide coverage for personal belongings or items stolen from your vehicle.
Solution……………
Most homeowners policies offer an option to include off-premises theft coverage, which covers theft of your personal property from a residence away from your residence.
Home Insurance 101
Ensure that you encompass the distinct hazards you encounter with household insurance.
Contact NRK-Hogan Insurance
As an independent agency, we are here to help you find the right coverage.
We are licensed to serve Miamisburg, OH, Springboro, OH, Centerville, OH, Kettering, OH, Lebanon, OH, and Dayton, OH, as well as the surrounding states of Virginia, West Virginia, Indiana, Michigan, and Ohio, with a local focus.
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