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Joni Wagner | Ohio Insurance Broker

@insuredbyjoni

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🏡 Home & Auto Insurance Broker
🔎 I shop 20+ carriers for you
📍 Ohio • Indiana • Kentucky
👇 Get an insurance quote

POSTS STORIES REELS

25 years in our house and we’ve replaced almost everything on this list. 😂

The only two still standing? The driveway and garage door.

Homeownership is expensive. Plan for the stuff insurance doesn’t cover - because eventually, things just wear out.

How’s your house doing compared to this list? by @insuredbyjoni

And you thought the newborn stage was expensive… 😂🚗

Adding a teen driver can be a BIG change to your auto insurance — but the carrier you’re with, the car they drive, good student discounts and a clean driving record can all make a difference.

Before you add your teen driver, call me. We can shop your options.

📍 Licensed in Ohio | Indiana | Kentucky

#TeenDriver #TeenDriverInsurance #CarInsurance #AutoInsurance #InsuranceTips OhioInsurance KentuckyInsurance IndianaInsurance by @insuredbyjoni

Moving to Cincinnati? Here’s your crash course in the local language. 😄

🏈 Who Dey – The Bengals chant.
🌶️ Skyline – Cincinnati-style chili (yes, it’s different).
🍦 Graeter’s – A local ice cream favorite.
🥩 Goetta – A Cincinnati breakfast staple.
🌉 The Big Mac – The bridge, not the burger.
⛰️ The Cut in the Hill – The stretch of I-75 with the iconic skyline view.
❓ “Please?” – A Cincinnati way of saying, “Could you repeat that?”
🛒 Kroger – You’ll hear plenty of people call it “Kroger’s.”
🛣️ 275 – Most locals just say “275,” not “I-275.”

What Cincinnati word or phrase would you add?

If you’re relocating to Cincinnati or buying a home in Southwest Ohio, I can help make the insurance side of your move simple.

📍Serving Loveland, Mason, Milford, Montgomery, Maineville, Lebanon, Cincinnati, and communities throughout Ohio, Indiana & Kentucky.

#MovingToCincinnati #Cincinnati #CincinnatiOhio #WhoDey #SkylineChili Graeters Goetta LovelandOhio OhioHomebuyers Relocating CincinnatiLife by @insuredbyjoni

God is love ❤️❤️❤️ by @insuredbyjoni

🚨 CLOSING IS FRIDAY. IT’S WEDNESDAY. AND YOUR BUYER STILL DOESN’T HAVE HOMEOWNERS INSURANCE! 😳

Realtors & lenders… sound familiar?

Now imagine finding out the home has a 23-year-old roof, knob-and-tube wiring, or multiple prior claims.

Or the homeowners insurance premium comes in higher than the lender originally estimated.

Why does that matter?

Even an extra $75–$100 a month can impact a buyer’s debt-to-income ratio. If they’re already close to their qualifying limit, that higher payment could mean the lender has to rework the numbers—or the buyer may no longer qualify for the loan as structured.

And we’re discovering all of this just DAYS before closing!

🏡 Homeowners insurance should never be a last-minute afterthought.

Get me involved early so I can identify potential underwriting issues, shop multiple carriers, and help avoid surprises that could delay your closing.

Realtors & lenders, let’s make sure insurance isn’t the reason your closing gets pushed back!

Serving homebuyers throughout Ohio, Indiana & Kentucky. by @insuredbyjoni

It’s typical. #themoreyouknow by @insuredbyjoni

When was the last time you actually looked at your home & auto insurance?

Not just the price - the coverage.

Maybe you’ve added a driver, bought a new car, updated your home or simply haven’t looked at your policies in a few years.

A lot can change, and your insurance should change with you.

I review insurance every day, and I can tell you - sometimes a quick review can uncover coverage gaps AND opportunities to save $$$.

If it’s been a while, this is your reminder!! 😊

📍 Helping clients throughout Ohio, Indiana & Kentucky. by @insuredbyjoni

Happy birthday to my little sister, Lori Huninghake Martin! 🎈 by @insuredbyjoni

Hello November! ❤️❤️❤️ by @insuredbyjoni

Hello, November 🍂🤎

Feeling especially grateful for the life God has given me—the people I love, the memories we’re making, and even the ordinary days I never want to take for granted. 🙏 by @insuredbyjoni

New driver in the family? 😅🚗

It’s a good time to look at more than just what it costs to add them to your policy.

New drivers mean more risk — and having strong liability limits matters if they cause an accident and someone is injured or another vehicle is damaged.

This is one area where I wouldn’t recommend choosing the lowest limits just to save a few dollars.

Make sure your liability coverage is protecting what you’ve worked hard for.

Licensed in Ohio, Indiana & Kentucky.

#NewDriver #TeenDriver by @insuredbyjoni

I have to admit… I kinda love being your “insurance lady.” 😂❤️

Whether it’s your home, your car, your family—or you just have a question and aren’t sure who to call—I’m here.

Proud to help my neighbors around Cincinnati and families throughout Ohio, Kentucky & Indiana. 🏡🚗❤️

Because insurance is personal, and I think having someone you know and trust still matters.

#insurancelady by @insuredbyjoni