Benhoff Insurance Agency




We believe that the best way to help you obtain the right coverage – at the best possible price – is to help you understand what you need to know about insurance.

Visit the Learning Center and our Quote Center to find out what kind of policy you need. We'll ask you for some simple information and then get back to you with some policy recommendations.

Check out our Calculators to find out how long it will take you to pay off that new car you've had your eye on or to determine how much house you can afford.

We want your insurance to work hard for you and your family. Let us help you find the right protection while giving you the peace of mind that comes with knowing you are covered.

We look forward to working with you.



November 20, 2023

Now's the perfect time to discuss your insurance questions with us.

Your continued trust and partnership are valuable to all of us at Benhoff Insurance. The recent economic landscape has been particularly challenging. So, as the insurance industry examines rates and coverages to keep pace with inflation and environmental conditions, we understand and appreciate you may have questions about your insurance coverage.

We feel it's our responsibility to keep you informed, and we hope this information is useful for you as you possibly evaluate whether to make changes to your coverage.

What's driving rate and coverage changes?

  • Underwriting challenges: Economic pressures require insurance carriers to accurately examine and assess risk to maintain competitive rates for everyone. Good economic conditions over the last decade provided tremendous rate stability. However, things have changed, and we're experiencing a perfect storm of financial and environmental conditions necessitating above-normal rate adjustments. Many carriers are making staged adjustments to make the transition for policyholders easier.
  • Inflationary conditions: Inflation continues to heavily influence the insurance industry because of continued parts and labor shortages. Everything costs more, and without adequate coverage allowances, policyholders could find themselves paying higher than expected out-of-pocket costs.
  • Rising cost of claims: Over the past decade, the industry has seen increased frequency and severity of property insurance claims. Extreme weather events, natural disasters, and a sharp rise in property values drive higher costs to settle claims, sometimes necessitating alterations to coverage terms.

We understand and remain committed to helping you find ways to manage the cost of your insurance coverage. We invite you to reach out to us. We can explore options, including adjusting your coverage, taking advantage of available discounts, or establishing payment plans to make changes as manageable as possible. As a reminder, opportunities exist to help offset renewal increases, like making sure any updates to your property have been properly captured on your policy.

We sincerely appreciate your ongoing trust in Benhoff Insurance and thank you for your business during these challenging times.