A broken sewer line or pipe can leave you with a massive repair bill. But does homeowners insurance cover it? The answer isn’t simple. Hixson & Malinowski Insurance breaks down when coverage applies, what’s excluded, and how optional endorsements like service line and water backup coverage can give you peace of mind — and save you thousands.

Does your auto insurance cover a rental car? The answer depends on your policy, where you’re traveling, and how you’ll use the rental. Hixson & Malinowski Insurance explains when coverage applies, when it doesn’t, and whether buying rental company insurance makes sense.

Launching a business from home? Don’t assume your homeowners insurance has you covered. From business property and liability to cyber protection, home-based ventures face risks that require tailored coverage. Hixson & Malinowski Insurance in Parma explains what policies to consider so you can protect your business, your income, and your peace of mind.

Mold can wreak havoc on your home and your health — but will homeowners insurance cover it? The answer isn’t always straightforward. Hixson & Malinowski Insurance explains when mold damage might be covered, when it isn’t, and how you can protect yourself from costly surprises.

If your laptop or phone is stolen from your car, auto insurance won’t cover it — but your homeowners or renters policy might. Hixson & Malinowski Insurance explains how coverage works, when deductibles apply, and what steps you can take to protect your valuables.

When a storm knocks down a tree, does homeowners insurance cover the damage? It depends on what was damaged and why the tree fell. Hixson & Malinowski Insurance explains when you’re covered, when you’re not, and how to prepare your property ahead of time.

Does insurance follow the car or the driver? If you borrow a friend’s vehicle, knowing how coverage applies can protect you from costly surprises. Hixson & Malinowski Insurance explains how liability, collision, and comprehensive coverage work when you’re behind the wheel of someone else’s car.

Hit-and-run accidents can be a nightmare — but does your auto insurance help if the other driver disappears? This post from Hixson & Malinowski Insurance explains how your policy covers hit-and-run damage and injuries, and what coverage you need to avoid paying out of pocket for someone else’s bad behavior.

Thinking about installing a pool or already own one? Backyard pools bring joy but also unique insurance questions. Does your homeowners insurance cover pool damage? What if someone gets hurt on your property? In this post, Hixson & Malinowski Insurance explains how pools are covered, what liability you face, and what extra protection you may need to stay safe and secure.

You have home and auto insurance — so you’re fully protected, right? Maybe not. A major lawsuit or serious accident can cost far more than your standard policy limits, putting your savings, home, or future wages at risk. That’s where umbrella insurance comes in. Here’s what it is, how it works, and who really needs one.

Having a pet makes your rental feel like home — but pets can also cause unexpected damage or injuries. Many renters assume their policy will pay for any mess or accident their furry friend causes. Unfortunately, that’s not always true. Here’s what you need to know about how renters insurance handles pet damage and when extra protection makes sense.

Solar panels can save you money on your energy bills — but can a storm or falling tree cost you thousands? Many homeowners assume their insurance covers rooftop solar panels automatically. In this post, Hixson & Malinowski Insurance explains how home insurance treats solar panels, what’s covered, and when you might need to update your policy to stay protected.

Is wedding insurance just another unnecessary expense, or essential protection for your big day? From sudden venue cancellations to extreme weather or a lost dress, wedding insurance can save couples from losing thousands. In this post, Hixson & Malinowski Insurance explains what wedding insurance covers, what it doesn’t, and when it’s worth adding to your wedding budget.

Thinking about riding an electric bike or scooter around Parma or greater Cleveland? Many people don’t realize their homeowners or auto policy often won’t fully cover e-bike theft, damage, or liability if there’s an accident. Hixson & Malinowski Insurance explains when you need special e-bike insurance, what it covers, and how to stay protected every time you ride.

Opening a bar? You’ll need more than general liability coverage. From liquor liability to assault and battery protection, bar insurance involves several key components—and each one matters. This post from Hixson & Malinowski Insurance walks you through the full process of getting bar insurance that’s tailored to your business.

Homeowners insurance may cover your student’s belongings at college—but only under certain conditions. If they’re living off-campus, they may need a renters policy. In this blog, Hixson & Malinowski Insurance explains what’s covered, what’s not, and how to make sure your college student is fully protected this school year.

Thinking of listing your home or apartment on Airbnb? Your regular homeowners insurance probably doesn’t cover rental activity—and that could put you at serious financial risk. In this post, Hixson & Malinowski Insurance breaks down what’s covered, what isn’t, and the insurance options available to keep your property and income safe while hosting guests.

Think flood insurance is only for coastal areas? Think again. Ohio homeowners face real flood risks—especially with more extreme weather patterns. This post from Hixson & Malinowski Insurance explains why your standard home insurance doesn’t cover flooding, what flood insurance does protect, and how to decide whether you need it in the Buckeye State.

Running a business from home? Don’t assume your homeowners insurance has you covered. From product liability to client injuries, side hustles come with risks that require the right protection. Hixson & Malinowski Insurance helps you understand your options—from endorsements to full commercial policies—so your home business is covered from every angle.

Worried about what happens if your home is burglarized? Homeowners and renters insurance typically cover stolen items and damage from a break-in. But there are limits—and optional add-ons you might need. This post from Hixson & Malinowski Insurance breaks it all down so you can protect your home and your peace of mind.