Full Service Insurance Agency - Cincinnati, OH

| The Todd D. Tucker Agency

  • About
    • The Agency
    • The Staff
  • Personal
    • Auto Insurance
    • Homeowners Insurance
    • Renters Insurance
    • Financial Related Information
      • Life Insurance III
      • Guaranteed Issue
      • Disability Insurance
      • Heart Attack Coverage
    • Health Related Information
      • Individual Health Insurance
      • Dental Insurance
    • Personal Umbrella Insurance
  • Commercial
    • Commercial Auto Insurance
    • Business Insurance
    • Professional Liability
    • Farm Insurance
    • Contractor’s Liability Insurance
    • Group Health Insurance
  • Agency Blog
  • Contact Us
  • Broker Portal
PH: 513.223.6947      FX: 513.322.4998

The Staff

Todd D. Tucker, LUTCF

Todd D. Tucker, LUTCF

Agency Principal

Hi I’m Todd D. Tucker and I like taking long walks on the beach… Just kidding. I have been in the insurance business since 1999. I was originally in the technology industry for 21 years. I got into the insurance originally because I kept getting laid off in the tech industry. I have stayed in insurance largely because of the people that I have met. Over the years I have had the privilege of going through multiple births of first babies, purchases of the first, second, or third homes, and I have experienced people’s joy when their kids go off to college for the first time. Oh, and there’s when they teach their first child how to drive a vehicle for first time. Some have quit their job and decided to start their own business. I have been privileged to offer information so that maybe they won’t go through what I went through. Others have taken off in corporate America. Sadly, I have lost a few clients along the way. I did what I could to help make the transition for those left behind easier. No matter what happens in my client’s lives, I try to be there for them. Long story short, I like people. I have been married for more than 36 years to the same wonderful woman. I love her. We have experienced and hope to continue to experience allot of joy together. We have 3 great adult children in their own right that I love allot. They are forging a life for themselves in other industries. I am really proud of them. In my spare time (LOL), I really enjoy staying in shape. I lift weights. I jog. I swim when I can. I have always allowed one principle to guide me, that is, don’t lie to clients. I believe that what a client really deserves the most is honesty and for me to represent them honestly. That is actually what drove the creation of our tag line for The Todd D. Tucker Agency – We Work For You!

M. Todd Dawson

M. Todd Dawson

Senior Producer

Hello, as an introduction, I am “The Todd” Dawson to differentiate myself from my team member Todd D. Tucker (it gets confusing sometimes).  I have been in the insurance industry since 1999, primarily focusing on business consulting, Medicare, and life and annuities. In addition, I assist clients with their personal  auto, home, and life coverages.  I decided to get into the industry because as a consumer, I felt that there was a lack of transparency and integrity so I promised myself that I would act in my client’s best interest.    I received my Bachelors of Arts degree in Business Administration from Morehouse College in Atlanta, Georgia.  I am the father of three children. During my downtime, I enjoy traveling, family, and tennis. One of the things that I keep in laser focus with every client is that at The Todd D. Tucker Agency--We Work For You! 

Alex P. Smith

Alex P. Smith

Producer

Greetings, I am the newest addition to this incredible team. Local to Cincinnati, I graduated from Wyoming High School and went on to Howard University where I received my Bachelor of Science degree. The majority of my work experience is in positions of management, but I always found myself interested in helping others in their day to day lives. I am a proud member of Kappa Alpha Psi Fraternity Incorporated, and a lover of great music and fine art. Joining this team and becoming active in this business has given me an opportunity to make my interests in serving others a career path. It is a joy to be a member of a team that has the flexibility and the range to serve clients even if they have run into road blocks finding coverage elsewhere. It is also a pleasure learning form my seasoned team members about the right way to operate a business. I am looking forward to serving you and your family because at The Todd D. Tucker Agency, We Work For You!

“Thank you for using my site for your insurance needs…”

Hi, my name is Todd. If you decide to use me for your insurance needs, I will work for you to find the most competitive rates. I want your business long-term. So, I find the companies and policies that will fit your specific needs. If I am not able to do that, I will be honest enough to tell you. When I do recommend something that you have not thought about before, I will educate you, so that you can make the final decision yourself. Because at the end of the day--I work for you.

  • Auto Insurance
  • Homeowners Insurance
  • Individual Health Insurance
  • Life Insurance
  • Pet Insurance
  • Renters Insurance

Copyright © 2021 The Todd D. Tucker Agency | All Rights Reserved - Site Created by Tucker Solutions

Text Us At
513-223-6947
With Your Request
OR
Use This Link

Request
OR
Use The
Contact Form

Call 513-223-6947
OR
Print and Fill Out
This Simple Form
And
Text It To
513-223-6947
OR
Mail It To:
The Todd D Tucker Agency
PO Box 40687
Cincinnati, OH 45240

Quote for Financial Products

  • The risk address is the address where you live.
  • Date Format: MM slash DD slash YYYY

Call 513-223-6947
OR
Print and Fill Out
This Simple Form
And
Text It To
513-223-6947
OR
Mail It To:
The Todd D Tucker Agency
PO Box 40687
Cincinnati, OH 45240

Auto Form

Step 1 of 4

25%
  • The risk address is the address where you live.
  • Format: 0025000/0050000
  • First NameLast NameDate of BirthDriver's License Number (DL)DL State 
  • YearMakeModelVehicle Identification Number 
  • Date Format: MM slash DD slash YYYY
  • Please enter a number from 1 to 50.

Call 513-223-6947
OR
Print and Fill Out
This Simple Form
And
Text It To
513-223-6947
OR
Mail It To:
The Todd D Tucker Agency
PO Box 40687
Cincinnati, OH 45240

Which flood insurance agency is the most helpful when it comes to really helping me with my flood insurance policy?

The Todd D. Tucker Agency. Please call 513-223-6947.

 

 

What is Flood Insurance versus Water Sewer Backup Coverage?

Water Sewer Backup coverage covers the backup of a sewer line, a sump pump, or a toilet. It is a separate mini policy that you purchase within your homeowners insurance policy. It cannot be purchased standalone. If you do not have this coverage and any of the above occurs, your homeowner’s policy will not cover that loss.
Flood insurance covers water coming into your home in all other ways. An example of one of the most common ways that I see is when water comes in to the basement via the basement garage.

 

 

What is the difference between a standard and a preferred risk policy?

If you are at low to moderate risk the National Flood Insurance Program’s (NFIP) Preferred Risk Policy (PRP) provides lower-cost protection for homes and apartments. The areas that are considered low risk are floodplains B, C, or X, zones on a Flood Insurance Rate Map.
A standard or high-risk area is an area that has at least a 1 in 4 chance of flooding during a 30-year mortgage. If you own a home own a business in an area with mortgages from federally regulated or insured lenders, you are required to buy flood insurance. They are shown on the flood maps as zones beginning with the letters A or V.

 

 

What is the Community Rating System (CRS)?

The National Flood Insurance Program’s (NFIP) Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements.
As a result, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community actions meeting the three goals of the CRS:
1. Reduce flood damage to insurable property;
2. Strengthen and support the insurance aspects of the NFIP, and
3. Encourage a comprehensive approach to floodplain management.

 

 

How to I find out if my community is part of the NFIP Community Rating System (CRS)?

Click here to see if your community is part of the rating system.

 

 

If I have commercial property, what is covered?

At a high level, if there is physical damage to your commercial building or personal property “directly” caused by a flood, it is covered by your flood insurance policy. For example, damages caused by a sewer backup are covered if the backup is a direct result of flooding. As stated in an earlier answer, if the backup is caused by some other problem, that is considered water sewer backup coverage. Click here to get more detail on Flood Insurance Coverage on commercial property an NFIP standpoint.

 

 

What is the technical definition of a flood?

  • Flood is defined as a general or temporary condition of partial or complete inundation
  • Two or more acres of normally dry land area or
  • Two or more properties (at least one of which is the flood policy holder’s property) from:
  • Overflow of inland or tidal waters
    or Unusual and rapid accumulation or runoff of surface waters from any source
    or Mud-flow or Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels.

 

 

How do I pay for a flood insurance policy?

In general, FEMA requires that you pay for the policy in full up front. However, since most policies are written through insurance companies, you pay using the following options:
Note: Some options may vary by insurance carrier.
• American Express
• Diners Club
• Discover Card
• Master Card
• Visa
• Electronic check
• Paper check in the mail
• Money order in the mail
• Your premium may be paid through an escrow account established by your mortgage lender, at your lender’s discretion. If your lender requires you to buy flood insurance and escrows for other types of insurance or taxes, they are required to also escrow flood insurance premium payments.
• If you are a large commercial enterprise seeking payment options, please call 513-223-6947.

 

 

If a lender is requiring that I get flood insurance, what should I do?

Please remember that a lender always had the option of requiring flood insurance. Under federal law, the purchase of flood insurance is mandatory for all federal or federally related financial assistance for the acquisition and/or construction of buildings in high-risk flood areas (Special Flood Hazard Areas or SFHAs). If the property is not in a high-risk area, but instead in a moderate-to-low risk area, federal law does not require flood insurance, but the lender can still require it. If you think that your property is in a low risk zone and the lender believes that it is in a high risk zone, call our office at 513-223-6947.

 

 

What is the difference between replacement cost (RC) and actual cost value (ACV)?

Your property will be reimbursed in one of two ways – RC or ACV. RC is simply putting your building back the way that it was at the time of the loss with the same like kind and quality. Actual cash value is the amount equal to the replacement cost minus depreciation of a damaged property at the time of the loss. It is the actual value for which the property could be sold, which is always less than what it would cost to replace it. If your property is reimbursed via RC, that means that at the time of the contract you agreed to purchase 80 percent or more of the replacement cost value of the property. For example, let’s say that the replacement cost of your home is $250,000. You would have to get a flood policy for $200,000 or more to get replacement cost coverage for your home. However, if at the time of the contract, you decided that it cost too much to buy $200,000 worth of insurance or more or you just could not afford it; instead, you bought $180,000 worth of coverage, then your property would be reimbursed at ACV. If you have other buildings on your property, they are reimbursed at ACV. All personal property is reimbursed at ACV. Most agents will ask you to sign a waiver stating that you understand that you were purchasing less than 80 percent of the value in today’s changing climate.

An Alternative To The NFIP

Plan Highlights

  • Streamlined with only 6 underwriting questions

  • No elevation certificate required

  • No photographs required

  • Lender accepted*

  • A+ rated financial backing

  • Competitively priced

  • No waiting period**

  • Available in all states except AK, DC, HI and KY

  • Available in any ‘A’ Flood zone***

Eligibility

  • Single-family residential homes
  • Must be located in any ‘A’ flood zone
* Insured should confirm with the lender prior to canceling an NFIP policy and/or in advance of a home closing transaction.
** Designed for single family residential homes – no waiting period when purchased at the same time as the homeowner’s policy or for a loan closing.
*** Geographic limitations may apply

Why buy Private Flood Insurance?

  • Higher limits

  • Potential price savings

  • Does not follow FEMA’s recent rate increases and new policy fees,

  • Hassle-free policy issuance

  • Immediate issuance of policy

  • Flood insurance that is easier to buy than ever before.

https://www.todddtuckeragency.com/wp-content/uploads/2016/05/FloodSmart_video_bertie_midgett.mp4

 

You might think that a flood could never happen to you.
In fact, flooding is the most common and costly natural disaster in the United States. And you don’t need to live in a high-risk area to be threatened by flooding. From coastal storms, to rain-swollen rivers, to backup from clogged storm drains—water finds its own path and can reach you regardless of where you live.

Without flood insurance, you could be out tens of thousands of dollars.
A flood can destroy your home and your financial security. From 2010 to 2014, the National Flood Insurance Program paid out an average of more than $42,000 per claim. But flood damage doesn’t have to drain your bank account. Flood insurance can offer you financial protection and peace of mind knowing that you’re covered by a flood insurance policy.

Protect what matters with flood insurance before the next storm.
Floods can happen in a matter of hours, and typically there’s a 30-day waiting period for a flood insurance policy to take effect. Act now and get flood insurance before it’s too late.

Contact me today at 513-223-6947 or click here to request a free quote, and let’s talk about your flood insurance needs. Don’t let a flood wash away your financial future.

FLOOD

Step 1 of 4

25%
  • Please enter a number from 1880 to 1979.
  • If your house is on stilts, the bottom floor is elevated open.
  • Please enter a number from 1 to 20.
  • Please enter a number greater than or equal to 1000.
  • Please enter a number greater than or equal to 1000.
    Leave blank if no contents coverage needed
  • Drop files here or

Call 513-223-6947
OR
Print and Fill Out
This Simple Form
And
Text It To
513-223-6947
OR
Mail It To:
The Todd D Tucker Agency
PO Box 40687
Cincinnati, OH 45240

Home Insurance

Step 1 of 4

25%
  • The risk address is the address where you live.
  • First NameLast NameDate of BirthSex 
  • Please enter a number from 1880 to 1979.
  • Please enter a number from 1 to 100.
  • Date Format: MM slash DD slash YYYY
  • Please enter a number from 1 to 20.