December 2020/January 2021 News from
Rolland and Associates
Welcome 2021!
So much to look forward to in December and January! The first day of winter and multiple holidays all give us things to look forward to in a year when very little has felt normal. Our hope is that you find joy and hope in the coming weeks of December and as we look forward to 2021.

Our agents are still working both in the office and remotely to make sure you and your loved ones are covered. Please note that our office is closed to walk in traffic. If you need to deliver something to us in person, please schedule a time with us so we can safely greet you at the door.

The agency will be closed on December 24 and 25 in observation of the Christmas Holiday. We will also be closing at Noon on December 31 and will be closed on January 1. We will reopen the following Mondays at 9 am.

As always, if there is anything we can do to assist you with your insurance needs, please don't hesitate to reach out to us via phone at 614-789-1891 or email.
Umbrella 101
Have you ever looked at your insurance policies and wondered what some of the terms meant? Or been confused as to what was covered under what section? Or wondered if you even need a certain coverage? As agents, we know the ins and outs of what all those insurance terms mean but realize that some of our clients might not so we’re going to do a series of basic primers on insurance over the next few months – call it Insurance 101.

We have discussed the basics of auto and home policies in past newsletters (if you missed those, there are links on our website under "Newsletters") and thought it would be good to move on to the perfect partner to those policies - the Umbrella Policy!

An Umbrella Policy is an additional policy that layers liability protection on top of your existing home and auto liability limits to protect you from catastrophic financial loss. The policies typically are bought in $1 million increments up to $5 million.

So why should you consider an Umbrella Policy? Frankly, we live in a litigious society and bad things sometimes happen.

Here's a scenario where an umbrella policy would be a welcome addition to your insurance portfolio: you are at fault in a car accident and the other party is tragically severely injured or killed. The other party can come after you for ongoing medical expenses, lost wages, pain and suffering, etc. resulting from that accident. Your auto liability coverage is meant to cover these expenses but would likely be insufficient in this scenario. Once your auto limits are exceeded, they can go after your salary, savings, home, etc. This is where a Umbrella Policy comes into play. Your Umbrella Policy will add an additional $1 million layer of liability coverage on top of your home and auto policies. We call it a "peace of mind" policy.

One thing to note, in order to secure an Umbrella Policy, most insurance carriers typically require that you have both home and auto insurance with minimum limits of 250/500/250 liability for auto and 300K liability on the home policy.

Please know that none of this is to scare you! We think that the peace of mind of being protected from financial ruin is more than worth the cost which is typically less than $20 a month. We would be happy to walk through your options with you and get you a quote - feel free to email us or give us a call at 614-789-1891!
New Way Access Your Policies - The Customer Portal
We know that your insurance needs don't always happen between 9 am and 5 pm, Monday through Friday - sometimes you need ID cards at 2 am on Tuesday! That is why we are very happy to introduce you to the Rolland and Associates Customer Portal. 24/7 access to your policies including the ability to print forms and policy documents!

To visit the portal, simply click over to our website: and click the "Customer Portal" button on the top right of any page.

This will take you to a new website where you will be asked to enter your email - this can be any email we have on file for you or your spouse (the one where you receive this email would be a good one to start with!).

Once the system has found you, you will choose to be sent a code to either the mobile number we have on file or the email. You will never be issued a password but will always be given a new code any time you log in. Enter that code and you'll be logged in.

Once in the portal, you will be able to:

View policies – you can view all your policies and better understand your coverages.  

Download ID cards – On the go and forgot your card (like a traffic stop)? No problem! Policy holders can retrieve ID cards to display on their mobile device, or print for safekeeping.  
Request changes – Policy change requests are logged immediately and sent to our agency.

Update information – Moving and need to change your mailing address? You can update all your information directly and at your convenience.  

Share policy documents – Client documents can be downloaded to print or save. Best of all, document sharing works in both directions. You can also upload documents securely and conveniently.

We hope this tool will be useful for you for times you may not be able to reach us directly but as always, we are more than happy to hear from you directly as well!
As you know, we are now an independent agency which means that while we still proudly represent Nationwide, we also can offer our clients other options for great coverage. We're going to take the opportunity to introduce you to one of our new carriers in each newsletter - we're very proud of the carriers we represent and firmly believe that they are all well suited to take care of our clients. So without further ado, we would like to introduce you to Grange Insurance!

Another Columbus based company, Grange Insurance was first formed to provide affordable car insurance for a specific group—grange members (known nationally as the National Grange Patrons of the Husbandry). But even in the company’s earliest days, its leaders were thinking ahead to the future.

Today, they offer affordable and customizable auto, home, life and business insurance products. Together with Integrity Insurance, their affiliate company, they continue to sell exclusively through independent agents and serve customers across 13 states: Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin.

We've been very pleased with the options they have offered our clients and are proud to be partnered with them.

If you'd like to learn a little more about them, please feel free to visit their website or give us a call to discuss their offerings: Grange Insurance
Have questions about your insurance? Need help with your policies?
Please don't hesitate to reach out - we're happy to help!

Don't forget to ask about our referral program!

Rolland & Associates | Email | 614-789-1891 | Website