Hello Alexa,
Spring is here, well at least some days in March it has been :). I wanted to share with you a few changes to our Agency Business Model. We are still the same with our Preferred Nationwide's offerings; Personal and Commercial Lines, with Life and Retirement Planning. What is new is, we have   contracted with Nationwide's approval other preferred carriers. Safeco, State Auto, Travelers, Progressive and more. As your needs change, we can change with you. Just remember we are a phone call or email away to any questions you may have about your accounts with us. We do thank you for your continued trust and business.

Securities offered through Nationwide Securities, LLC, member FINRA, SIPC, DBA Nationwide Advisory Services, LLC in AR,FL, IL,NY,TX, CA and WY. Representative of Nationwide Life Insurance Company, affiliated companies and other companies.
Timely Topics
4 Tips for Surviving Tax Season 2019
  • Early preparation is the key to a smooth and painless process
  • Gather all of the necessary documents needed to prepare the return
  • Decide if you will be itemizing or taking the standard deductions
  • Will you prepare your taxes yourself or have a tax preparer do it for you, if it's a little more involved hire a professional.

.... 2018 Tax Returns ...

Federal income tax laws are complex and subject to change. Neither Nationwide or it's representatives give legal or tax advice. Please consult your attorney or tax advisor for answers to specific questions.

6 Maintenance Tips to Get Your Home Ready for Spring
Maintaining a healthy home goes beyond dusting and vacuuming. ...
1.   Clean Gutters: Grab a ladder, and check your gutters for debris.
2.   Scrub Walls, Baseboards and Outlets. Scrub all the walls — in the bathroom, kitchen, bedrooms and living areas
3.   Replace Filters: Including water, range hood and air vent filters
4.   Clean Out Dryer Vent: remove lint from inside the machine and check that the dryer vent cover outside the house is clear and moves freely.
5.   Clean Windows inside and out.
6.   Test Smoke Alarms and CO Detectors and change out the batteries

Monterrey Dip
  1. 8oz shredded Monterrey Jack cheese with Jalapeno
  2. 2-4oz. cans small shirmp
  3. 1 can 2 1/4oz .sliced olives, drained
  4. 3/4c mayo
  5. 1/4c chopped green onions

  • Mix together- put in microwave safe dish and heat for 3 minutes (stir after 1 minute)

  • Serve immediately with tortilla chips


Featured Headline
Teen Driving- Your teens are excited! but your anxiety has increased! Don't fret; check out our 7 Tips for Teen Drivers. Click on the Teen Driver Video Link above. Don't have a teen driver, share with someone that does. It will enlighten you and your teen driver for safety and double check you're doing all in your power to maximize discounts.
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Quick Links
Frequently Asked Questions:

Did you know......

Should my car insurance go down as my car gets older?

It sounds like it should, not necessarily though, there are many factors that go into auto premiums. Your rates are not based solely on your car. They are split between several types of coverage. Let’s review these types of coverage:

Our Services
Are You Prepared for a Flood?

Everyone lives in a flood zone-a flood can happen any season anywhere. If a flood happens to you, the fastest and most economical way to recover is with a flood insurance policy

Flood insurance covers your structure and particular content items (if elected), but does not have additional coverage for things such as living expenses, business interruption, decks, fences, etc. Check with your Nationwide agent to learn more about your coverage.

It's all about your Castle!
We deliver broad coverage for your house and the important people and things that make it a home. That is why we provide complete, uncompromising home insurance for all of those things we hope never happen.

Our Promise: 
To provide the best personalized client experience at a competitive price.

Our Primary Obligation:
As your Agency of Choice, our goal is to protect you and your family or business by seeing to it that you understand the difference between simply having insurance and being properly insured.
We will set ourselves apart from other insurance firms by taking care of you, reducing your exposure to risk while helping you attain your personal and/or business goals."

Barb Luczkowski, CFP® 
Luczkowski Agency Insurance and Financial Services

8045 Mayfield Rd
Chesterland, OH 44026
O 440-729-4042
F 440-729-3999

FEM-6613AO (03/19)
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Luczkowski & Associates offers both Insurance & Financial Services. We commit to provide you with the best professional service with maximum coverage for every insurance dollar. We will set ourselves apart from other insurance agencies by taking care of you, reducing your exposure to risk while helping you attain your personal or business goals.

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