Wallace & Turner is once again serving as a sponsor of the Clark County Fair being held July 21-28, 2023. The fair will feature rides, music entertainment, a junior fair livestock show, rodeo, Clark County Fair queen contest, pig and calf scrambles, and much more.
Veterans will be admitted free on Saturday, July 22 with a military ID, and kids ten and under will be free on Wednesday, July 26.
Check out the schedule of events here.
Wallace & Turner is proud to support the annual Yellow Springs Pride Festival being held, Saturday, June 24 from 11 am - 7 pm. The Festival features entertainers, parade, contests, music food trucks and more.
Learn more here.
Yellow Springs Pride, Inc. is an organization that plans year-round LGBTQ+ resources and produces the annual Yellow Springs Pride Festival. Its mission is to offer a comprehensive, community-based service organization to the LGBTQ+ population of Yellow Springs as well as the surrounding areas including, but not limited to, the Dayton and Miami Valley area by providing event spaces, activities, and resources that encourage advocacy, education, and entertainment and to increase visibility, inclusion and connection
for the LGBTQ+ community.
Wallace & Turner was proud to support Rocking Horse Community Health Center’s 21st Annual Golf Classic on June 12, 2023, at Windy Knoll Golf Club. Proceeds from the event help to provide increased patient care and outreach services to those in the Springfield community who need it the most.
Myles Trempe - Producer
Brewery insurance may include a mix of coverage types that are standard across most businesses and coverage types that are specific to the needs of the brewing industry. Producer Myles Trempe spoke with SmartFinancial to discuss the types of coverage a brewery should consider and what factors will impact rates.
“Brewery insurance costs will depend on various factors such as location, sales revenue, the size of the operation and any other risk exposures that might be present,” Myles said. “Microbreweries can typically expect to pay between $500 and $1,500 per month for a program that includes general liability insurance, liquor liability insurance, commercial property insurance and workers’ compensation coverage.”
Read the full article here.
Wallace & Turner is proud to once again be recognized among the top property & casualty insurance agencies by Dayton Business Journal for 2023. The list ranked 10 total agencies in the Dayton area. View the full list here.
P.J. Miller - Vice President
A car insurance deductible is what an insured pays out of pocket on a claim before the insurance company will cover the rest of the amount. Common deductible amounts are $500 and $1,000, but insurers will typically offer a range of options and you can select one that best fits your needs and budget. But how do you choose?
In an interview with Insurify, Vice President P.J. Miller said: “If you have a higher deductible, you’ll have a reduced monthly premium, so for some drivers, the benefit of paying less each month outweighs the risk of paying more in the instance of a claim.”
Read the full article here.
In addition to a house, a car is likely one of the largest purchases you will make in your lifetime. No one ever plans on getting into a serious accident and totaling their car or having a vehicle stolen, but unfortunately, these incidents do happen. There are two types of insurance coverage that can protect you financially so you’re not coming out of pocket to replace your car if the worst occurs.
Guaranteed Asset Protection (GAP) insurance is a type of insurance that covers the difference between what you owe on your car loan or lease and the actual cash value (ACV) of your vehicle in the event of a total loss or theft.
For example, if you owe $25,000 on your car loan and your car is totaled, but the actual cash value of your car at the time of the accident is $20,000, then GAP insurance would cover the $5,000 difference between what you owe and what the car is worth.
It's important to note that GAP insurance only covers the difference between what you owe and the ACV of your car, and it doesn't cover things such as your deductible, unpaid loan or lease payments, or any other expenses associated with the loss of your car.
GAP insurance is typically offered as an optional add-on to your car insurance policy, and it may also be available through your car dealership or lender.
We recommend talking with your insurance agent about options for GAP coverage before signing off on the dealer/lender form as your agent may be able to provide coverage at a lower cost.
It’s also worth noting that GAP coverage isn’t just for cars. You can get coverage for other types of vehicles such as the examples below and have everything listed on one policy.
Campers and Motor Homes
Snowmobiles
ATVs
The cost of GAP coverage is typically very low compared to the thousands of dollars it could save you if a total loss or theft occurs.
Contact Wallace & Turner to discuss GAP insurance and have financial peace of mind.
As an alternative to GAP, you may consider purchasing New Car Replacement (NCR) coverage because NCR also typically includes GAP.
New Car Replacement is a type of car insurance that covers the cost of replacing your vehicle with a brand new one of the same make and model if it's totaled in an accident within a certain time frame, usually up to one or two years after purchase.
This coverage is available as an add-on to your car insurance policy, and it may also be included in certain comprehensive auto insurance policies.
New Car Replacement coverage protects you from the financial loss that can come with having a new car totaled in an accident. Without this coverage, you would only receive the actual cash value of your car at the time of the accident, which may be significantly less than what you paid for it or what it would cost to replace it with a new vehicle.
Be aware that New Car Replacement coverage typically has restrictions and limitations, such as a maximum coverage amount, a limit on the number of years or miles the car can have at the time of the accident, and a requirement that the car be insured for its full value.
Wallace & Turner works with a range of carriers that can provide GAP and NCR coverage in addition to numerous other coverage benefits. As one example, Cincinnati Insurance offers Capstone Auto Coverage which allows you to insure all your personally owned vehicles under one policy, with features such as:
New car replacement for qualified autos
Full agreed value of the auto with no surprises in the event of a total loss
Transportation expense for repairs after a covered loss
Roadside assistance
Trip interruption expenses
And more
P.J. Miller - Vice President
Whether you purchase minimum liability auto insurance versus full-coverage insurance may depend on your financial situation, the age and value of your car and the level of risk you’re willing to take. Liability-only will cover damage to the other driver’s vehicle and medical expenses from an accident but won’t pay for repairs to your car or for personal medical expenses.
In an interview with Insurify, Vice President P.J. Miller said, “If you don’t have comprehensive coverage, there is always a risk of having to pay a significant amount out of pocket and/or being sued for injuries and damages.”
Read more about obtaining liability versus full-coverage insurance here.
P.J. Miller - Vice President
There are a number of factors such as age and driving history that affect how much you pay for car insurance, but there are ways to lower your rates without losing out on necessary coverage. Vice President P.J. Miller spoke with Insurify to discuss ways to purchase affordable auto insurance.
“Drivers can increase their deductible, which may lower the monthly premium, but they need to be prepared to pay more out of pocket if they do have a claim,” he said.
Read the full Insurify article here.
P.J. Miller - Vice President
As a new driver, it may be tempting to save money on your car insurance by getting the lowest coverage possible, but this can create significant risks down the road. Vice President P.J. Miller spoke with SuperMoney to discuss why it can be beneficial for drivers to speak with an independent insurance agent to help them find quality coverage at a reasonable price.
“Independent insurance agents can walk you through options for coverage and address any questions you have,” P.J. said. “And because they work with a range of carriers, they can also do the ‘shopping around’ for you to obtain quotes that work with your budget and coverage needs.”
He added that while online quotes are useful, as a new driver, you often don’t know the extent of coverage you need, which could lead to inaccurate quotes. For this reason, working with an independent insurance agent may be helpful.
View the full article here.
Since its founding in 1919, Ridgewood School has been a "home away from home" for many students. To continue offering high-level curriculum and extra-curriculum, employing outstanding teachers and offering scholarships to worthy students, Ridgewood hosts an annual Hearts & Hands Auction to reach its fundraising goals.
This year’s Auction is being held Friday, May 12 with the following schedule:
6 p.m. Social Hour, Hors d'oeuvres, Silent Auction
7 p.m. Dinner by Kohler Catering; Dessert by Humera Umerani
8 p.m. Live Auction, Auctioneer Jeff Harvey
Free Onsite Childcare - Please call the school at 937-399-8900 to sign up.
*LIVE Auction participation is by in-person attendance only.
Wallace & Turner is proud to be a Silver Sponsor of the Auction. Purchase event tickets and raffle tickets here.
The Leadership Clark County Golf Outing brings together past graduates, community leaders and other supporters to raise money over a round of golf for the nonprofit. This year's event will be held on Friday, June 2, 2023, at Windy Knoll Golf Club. Wallace & Turner is proud to support as a team and hole sponsor.
P.J. Miller - Vice President
Insurance rates in the U.S. are forecasted to rise by 8.4% in 2023 and that will leave many looking for ways to cut back on their monthly bill. Vice President P.J. Miller spoke with Yahoo! to discuss how drivers can save money on their car insurance.
P.J. told Yahoo! many insurance companies offer discounts — often between 5% and 25% — for bundling policies. “This can involve insuring multiple cars or adding a policy for home, renters, boat, motorcycle or life insurance with the same company. You may also find bundling your insurance more convenient since you’ll get only one monthly bill instead of multiple.”
He added that another way to save is to increase your deductible — the amount you pay out of pocket per claim. “This may help lower your monthly premium, but bear in mind that if you have a loss, you’ll end up paying more out of pocket.”
Another option is eliminating coverage you don’t need. “For example, you might not need collision coverage if your car is old,” commented P.J. “Vehicles that are 10 or more years old tend to drop significantly in value. Before making a decision, though, make sure you would feel comfortable paying out of pocket if your car were totaled.”
Read the full Yahoo article here.
Community Health Foundation is hosting Change Your Day, Not Your Life! with Keynote Speaker Andy Core.
Andy Core has a master’s degree in science of human performance and has spent the last 16 years mastering the art of inspiring people to become energized, healthy, motivated and better equipped to thrive in today’s hectic society. His “research scientist meets stand-up comic” style gives audiences the proprietary information needed to accomplish more at work, live healthy, and still have a life. Combining stories from his experience as a successful consultant with the latest research, he will ignite your motivation, show you how to execute a better way of life and live to enjoy it.
Wallace & Turner is a proud sponsor of this event being held Tuesday, March 28th from 5-7 pm at Hollenbeck Bayley Creative Arts & Conference Center.
Learn more and register here.
P.J. Miller - Vice President
When shopping for a car insurance policy in Ohio, you should consider the costs, available discounts, customer service reviews and claims-filing process. In an interview with MoneyGeek, Vice President P.J. Miller discussed how drivers can balance risk management and affordability, and how they can better educate themselves on car insurance policies, coverage and pricing.
When asked about managing risks and premium rates, P.J. said, “Many people are tempted to purchase the minimum amount of coverage, but this leaves them exposed to financial and legal risks. Drivers should consider what they can afford each month for their premium but understand if they have a lower premium, their deductible will be higher, and they will be paying more out of pocket in the instance of an accident or loss.”
“There are ways to lower your auto insurance costs without increasing your risk, such as bundling your auto and home coverage. Insurers will often offer a discount if you have multiple policies with them,” he added.
Read the full interview here.
P.J. Miller
The “best” homeowners insurance really means finding coverage that fits your particular needs and budget. In an interview with MoneyGeek, Vice President P.J. Miller discussed common mistakes first-time home buyers may make, recommended homeowners insurance endorsements and exclusions that may come as a surprise to buyers.
When asked about exclusions, P.J. said, “Most homeowners are surprised to learn that their standard homeowners' policy does not cover flood insurance. Also, certain dog breeds may be excluded depending on your insurance company and where you live.”
Read the full interview here.
Questions about homeowners insurance coverage in Ohio? Contact us at 937-324-8492 or here.
In support of the Developmental Disabilities Endowment Fund of the Springfield Foundation, Wallace & Turner is sponsoring the Dye Hard5K taking place April 30, 2023, at the Clark County Fairgrounds.
Participants can run or walk in the most colorful 5K ever while getting showered with colored powder! Sign up today for fun, food trucks, music and tons of color!
EARLY REGISTRATION $30, January 1-February 28, with a free shirt or medal and color packet
ADVANCE REGISTRATION $35, March 1 - March 31, with a free shirt or medal and color packet
REGISTRATION $40, April 1-14, with a free medal and color packet
LATE REGISTRATION $45, April 15-30 with free medal and color packet not guaranteed
Empty Bowls is a fundraiser for Second Harvest Food Bank and its member agencies in realizing the mission of eliminating food insecurities in Clark, Champaign and Logan Counties, Ohio.
Wallace & Turner is proud to once again sponsor Empty Bowls on March 23 from 4:30 – 7:00 pm at Wittenberg University. Tickets are $20 for a beautifully hand-crafted bowl of your choice and delicious soup from local restaurants and caterers.
Local artisans (Scott Dooley, Matt Johnson, Sandy Winter, Bruce Grimes, Thelma Matthews and The Cracked Pot Studio potters) donate handmade bowls and school art departments (Wittenberg, Springfield High School, Graham Local Middle School, and Bellefontaine High School) have their students create and donate bowls. Local restaurants and bakeries donate gallons of soups and hundreds of loaves of bread to these events. Hundreds of people volunteer on event nights and hundreds of people show up to enjoy great food and fellowship.
Learn more here.
Progressive has recently announced that they will no longer insure Hyundai and Kia vehicles (all years and models) due to the increase of thefts. This change applies to new policies only, in zip codes starting with 441 (Cleveland) and 432 (Columbus), for now.
The restriction does not apply to existing customers or endorsements on current policies. If you currently have a Hyundai or Kia insured with Progressive, you will be grandfathered in and your coverage will continue.
According to the Highway Loss Data Institute, among 2015-19 vehicles, theft claims were nearly twice as common for Hyundai and Kia vehicles than all other car manufacturers. "The companies sell vehicles that don't have electronic immobilizers to prevent thieves from taking them. People are able to break in and bypass the ignition."
If you own a Hyundai or Kia, we encourage you to take steps to make the vehicle more secure such as a key ring device to track the car and/or retrofitting your vehicle with an alarm system. Learn more about safety tips to prevent theft.
In support of Junior Achievement of the Mad River Region, Wallace & Turner is serving as a sponsor of the 2023 7-Eleven Bowl-A-Thon – Tropical Heatwave fundraiser which is being held through March 10th. Teams of five bowl two games, enjoy snacks and have a chance to win prizes based on money raised. Additional prizes can be won for Best Team Costumes and Most Spirited Team.
Learn more and register here.
Junior Achievement’s mission is to inspire and prepare young people to succeed. The inspiration piece comes from community volunteers who not only deliver the organization’s lessons, but share their experience. In the process, these volunteers serve as role models helping to positively impact young people’s perceptions about the importance of education, as well as critical life skills. Preparation involves Junior Achievement’s proven lessons that promote financial capability, work and career readiness, and business ownership.
