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The CRK Journal

Coverage explained by the agent who writes it.

No sales pitch and no rate claims. Practical guides on how Ohio auto, home and umbrella policies work, written for Columbus households that own a home and more than one car.

Written by Chris Kish, licensed in Ohio 2939 Kenny Rd, Columbus (614) 986-0000

Latest guides

Educational only — nothing here is a quote, an offer, or a promise of savings.

Umbrella Liability, High-Value Home, and Second-Home Coverage in Columbus, OH: A Guide for Asset-Owning Families
blog post Oct 22, 2026

Umbrella Liability, High-Value Home, and Second-Home Coverage in Columbus, OH: A Guide for Asset-Owning Families

If you own a high-value home, a second home, or rental property in Columbus, Ohio, coordinating umbrella liability with property coverage is key to protecting your assets. This guide explains how these policies work together, with concrete examples and coverage comparisons.

Chris Kish Chris Kish Read article →
How Much Umbrella Insurance Do You Need in Ohio? A Guide for Homeowners With Real Assets
blog post Oct 20, 2026

How Much Umbrella Insurance Do You Need in Ohio? A Guide for Homeowners With Real Assets

Umbrella coverage is usually the cheapest protection in a household and the most often missing. How it works in Ohio, how much to carry, and how it fits with high-value home coverage.

Chris Kish Chris Kish Read article →
Bundling Home and Auto Insurance in Columbus, Ohio: What Multi-Car Households Should Compare
blog post Oct 20, 2026

Bundling Home and Auto Insurance in Columbus, Ohio: What Multi-Car Households Should Compare

A practical guide for Columbus-area households with a home and multiple vehicles: what bundling really is, what to compare beyond the discount, and where multi-car families leave coverage gaps.

Chris Kish Chris Kish Read article →

What we write about

Every article starts from a question a client has actually asked at the office, then answers it against Ohio rules and the way the policy reads in practice.

Bundling & multi-carHow a home-plus-two-cars household should think about limits, deductibles and what "bundled" really discounts.
Umbrella liabilityWhen a $1M umbrella is worth it, how it sits above auto and home, and how to size it to your assets.
High-value homeReplacement cost, extended limits and the gaps a standard HO-3 leaves on an older or upgraded home.
Teen driversHow a new driver changes a family policy, and what to review before the first premium lands.

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