The insurance landscape can be difficult to understand, so Siemers Insurance Agency, the premier personal insurance provider in Cincinnati, OH, offers the suggestions below to help you choose a policy that best matches your lifestyle and fits your budget. For more than 60 years, this member of the Independent Agents Association of Ohio has served communities all over southern Ohio, northern Kentucky, and southeast Indiana, helping customers maximize protection at affordable rates.

How Much Can You Afford?

The first step is to decide how much you can afford to spend on life, heath, home & auto insurance, and other types of personal coverage each month. This gives you a budget amount and helps you narrow your focus to those items you value most. Once you know how much you can afford, you can start shopping for the types of coverage you want.

What Kinds of Coverage Do You Need?

Personal insurance comprises a wide variety of non-business coverage types, including motorcycle insurance, watercraft insurance, life insurance, health insurance, and home & auto insurance. Evaluate your personal property, health, and lifestyle to determine which coverages are most important. For instance, if you have young dependents or a sizable outstanding mortgage, life insurance could be crucial. Also, most states require a minimum amount of auto insurance, and health insurance is now mandatory under the Affordable Care Act.

Do You Want An Investment Arm?

If you need life insurance, do you want a simple term life policy, or would a whole life plan with an investment arm serve you best? With whole life, a portion of the premium is invested for long-term growth, which you can withdraw upon retirement—or sometimes earlier.

Siemers Insurance Agency, the premier personal insurance provider in Cincinnati, OH, has spent the last six decades building close ties to the community by offering invaluable advice and red carpet customer service. They are also licensed in Indiana and Kentucky, so they can expertly serve the entire Tri-state area. For more information, visit them online or call (513) 469-8877 to speak to a friendly expert about your personal insurance needs.