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.

Looking for a life insurance policy that does more than just pay out when you're gone? Some policies build cash value that you can use while you're still alive. In this post, Hixson & Malinowski Insurance explains which life insurance options offer this benefit—and how cash value can support your long-term financial goals.

Trying to choose between term and whole life insurance? Term offers affordability and temporary coverage, while whole life provides lifetime protection and builds cash value. This post breaks down the pros and cons to help you make the right call. Hixson & Malinowski Insurance can help you compare options and choose with confidence.

Trucking insurance isn't one-size-fits-all. From liability limits to cargo coverage, there are several key factors that can affect both compliance and cost. This post breaks down the essential things you need to consider when purchasing trucking insurance—and how Hixson & Malinowski Insurance helps Ohio truckers get the coverage they need to stay protected and on the road.

Bars face unique risks that require specialized insurance coverage. From liquor liability to assault and battery protection, understanding what your bar needs can save you from major losses. Hixson & Malinowski Insurance helps bar owners in Parma build comprehensive policies tailored to the nightlife business.

Not sure what to do after an accident or property damage? Filing an insurance claim can feel daunting, but we’ve got you covered. Learn the essential steps and how Hixson & Malinowski Insurance helps guide you through every part of the process with clarity and care.

Knob and tube wiring can affect your home insurance due to its increased fire risk and outdated safety standards. Learn what this wiring system is, why insurers care, and what steps you can take to stay covered. Hixson & Malinowski Insurance can help you protect your home, even if it comes with a few old-fashioned quirks.

Water backing up into your home due to a drain or sump pump failure can cause major damage—and standard home insurance may not cover it. Learn how water backup coverage works and why adding this affordable endorsement can save you thousands. Hixson & Malinowski Insurance is here to help you stay protected from the unexpected.

Adding a youthful driver to your auto insurance policy can significantly increase your premium—but it doesn’t have to break the bank. Learn practical tips to reduce costs, from student discounts to safe driving programs. Hixson & Malinowski Insurance can help you find affordable, tailored coverage for the whole family.

Rental car coverage on your auto policy helps pay for a temporary vehicle while your car is being repaired after a covered claim. It's a convenient, cost-effective way to stay on the road. Learn how Hixson & Malinowski Insurance Agency can help you find the right coverage for your needs.

Adding an additional insured to your commercial insurance policy extends coverage to third parties, protecting them from specific liabilities. Whether it's a contractor, landlord, or event partner, this endorsement ensures proper risk management and contract compliance. Learn how Hixson & Malinowski Insurance Agency can help tailor your coverage for comprehensive protection.

Will your homeowners insurance cover roof damage? It depends! While sudden storm damage is often covered, wear and tear from age or neglect is not. Learn more about what’s covered, what’s not, and how to protect your home in our latest blog. 

Cracked windshield? Don’t panic! Whether it’s a rock from the highway or a surprise hailstorm, auto glass damage is common—but it’s also covered under comprehensive insurance. Learn how to file a glass claim, get your windshield repaired, and get back on the road fast. Read our latest blog! 

Life insurance isn’t one-size-fits-all. Whether you’re looking to protect your mortgage, cover final expenses, or build wealth for retirement, the right policy makes all the difference. In our latest blog, we break down common life insurance scenarios and the policies that fit best. Read more to find out which coverage is right for you!