From the Lake Erie shoreline to the Ohio River Valley and from the Football Hall of Fame to the U.S. Air Force National Museum, there is plenty to do and many places to see in Ohio. As an Ohio resident, you probably own a home, one or two cars, and maybe a boat or an ATV. You might also be a business owner. Whatever you own and wherever you go, you will want to have a complete Ohio insurance program to protect yourself and your family.
Contact a member of the Trusted Choice® network of independent agents to help you with all your Ohio insurance needs, business and personal.
When you're looking for insurance in Ohio, there are lots of places you can turn. Big-name insurance companies are all over the airwaves, billboards, and print media, but are they really the best option for you? It's a good idea to make sure you've looked at all your options before you commit.
There's an independent channel to consider. Independent agents have all the qualifications of captive agents at big-brand insurance companies, but they have one crucial difference:
They sell the products of several different insurers, not just one.
When you opt to work with an independent agent, you can effectively comparison shop in just one meeting. No need to call around, create spreadsheets to compare data, or endlessly enter personal information. An independent agent has all the resources to make buying insurance easy. A captive agent at a big-brand company can't provide that level of service.
Ohio's Financial Responsibility Law requires every driver to carry minimum liability limits of $12,500 per person, $25,000 per accident for bodily injury and $7,500 for property damage. The driver must carry proof of coverage at all times when operating the vehicle. The coverage necessary to satisfy the law is not adequate, so most drivers will elect to carry much higher liability limits for better protection.
In addition to liability coverage, a complete automobile insurance contract will provide the following:
Virtually everyone who owns a home will carry a homeowners policy. One of the protections in a homeowners policy is that, in case of a total loss, the carrier will pay the full replacement cost of the home. However, many insured fail to carry enough insurance to take advantage of this. A typical homeowners policy will provide the following protection:
All policies have exclusions and restrictions. Here are some you should know about:
There are certain basic coverages that virtually every business needs to consider:
If you are a business owner, you need to consider these basic coverages. If you have other exposures or insurance needs, you should discuss them with an agent.
If you are shopping for life insurance in Ohio, you may fit one of the following categories:
Life insurance is complicated. There are a number of types of policies including term life, whole life, universal life, individual plans and group plans to name just a few. Make sure you select the policy that is right for you, and your family or business.
The Affordable Care Act (ACA) has changed the U.S. health market in many ways. If you need health insurance in Ohio, you are probably in one of three situations:
Be aware that, beginning in 2014, if you do not carry health insurance or if your plan does not meet the minimum requirements of the ACA, you will be subject to a fine.
In Ohio, you must register all your personal watercraft. In addition, you must title the following watercraft:
Ohio does not require insurance on boats, but you should not go on the water without protection. A typical watercraft insurance policy will include the following protections:
You can do several things to lessen your risk of loss:
You should also check your policy for usage restrictions. For example, many policies will limit coverage to inland lakes and waters. If you plan to use your boat on one of the Great Lakes, you may need to have your policy amended.
Everyone needs insurance, but not everyone needs the same insurance. You may need business insurance or personal insurance or both. Whichever you need, you want to get the right coverage for the lowest cost. An independent agent who can access a number of markets can solve all your Ohio insurance needs from one office.
Contact a member of the Trusted Choice network who can resolve all your insurance needs.