The Home + Auto Insurance Remodel.
Built for people tired of settling.
Where we all play hooky from the headaches of homeownership.
Every year homeowners pay thousands of dollars for coverage, and hope not to have a claim. Because that means higher bills next time around. What if, instead, your insurance agency empowered you to take action to prevent claims and maintain your property?
How The Home Sick Agency makes that happen for you:
Quote & Qualify
Everyone who is eligible can obtain Home + Auto coverage through The Home Sick Agency. In order to qualify for the Home Sick Credit, you must have a total premium of apx $2250: a number most homes in our area meet.
Enroll & Invest
As an independent insurance agency, The Home Sick Agency will work with multiple insurance companies to find the right fit for you. Once you’re placed, you’re enrolled as a member. Your coverage & benefits activate.
Prevent & Maintain
A large portion of the commission your policy generates comes back to you every year as your Home Sick Credit. $100 toward claim saving maintenance on your home or your car. Real work. Real Value. Funded by the Agency.
Frequently Asked Questions
Is the Home Sick Credit really free?
Yes. The credit comes directly from the commission your policy generates — money the agency earns anyway. Instead of watching it disappear into overhead, a portion of it comes back to you. Your premium doesn’t go up to fund it.
What carriers do you work with?
As an independent agency, we’re not married to one carrier. We shop your coverage across multiple well-known companies to find the right fit for your home, your car, and your budget. You get options. We do the legwork.
What can the credit actually be spent on? How does it work?
Real maintenance. Think roof inspections, dryer vent cleanings, oil changes, brake jobs — the kind of work that keeps small problems from becoming big claims. We’ll have a list of local providers you can deploy your credit through. You can even use it at other locations with proof of work. Use it or lose it — it resets annually.
What happens if I switch agencies? What if I leave?
We keep it simple and honest. If you cancel your policy and the carrier claws back the commission, the $100 credit would need to be returned. That’s the one condition. Outside of that, you’re free to go anytime — no games.
Do I have to bundle home and auto to qualify?
Bundling gets you there faster since the $2,250 threshold is easier to hit with both policies. But it’s not a hard requirement — if your standalone premium qualifies on its own, you’re in.
Do you have plans on expanding the benefits?
Yes. As membership grows, The Home Sick Agency will be releasing more member benefits. A few benefits currently in development are:
1. A home repair tailored A.I.
2. A home renovation visualizer/design tool used by top national brands, made available free of charge.
3. A highly-tuned “Home Sick Visit” aimed at addressing and maintaining key areas that cause the most claims in a home.
4. A Community Dividend funded through commission money, sponsoring local school programs annually.
All of the benefits are designed to increase the homeowner/policyholder’s experience in and around their home.
Meet the Founder
I’ve been working in homes across Cincinnati since I was a kid. Eventually I went to school, discovered the paperwork side — finance, business, how money actually moves. Then I came back to the trades, worked for some of the largest brands, and learned how they operate from the inside out.
What I kept seeing was the same thing: homeowners paying into systems that weren’t built for them.
The Home Sick Agency is what happens when you take the trades knowledge, the financial background, the frustration — and build something that actually delivers value without costing the homeowner a single dollar more than they’re already spending.