Personal Insurance Policies

In most cases, we must write a homeowners insurance policy to cover what is known as “100% Replacement Cost”. This means, in the event of a total loss, that the limit of homeowners insurance on your house is enough to completely replace your home to a similar size and shape with similar building materials. Don’t confuse replacement cost with your home’s market value, as they may be completely different. To establish 100% Replacement Cost, we run a basic cost estimator that takes into consideration the age, size, and construction features of your house to determine its replacement cost for your homeowners insurance policy..

There are many options available to be added to your homeowners insurance policy, including backup of water/sewer/drains, earthquake, and identity theft expense reimbursement.

We can add extra coverage on homeowners insurance policies for unattached structures such as a detached garage or pool. Also, if you have items of special importance such as jewelry, collectibles, antiques, or electronics, we can schedule those on your homeowners insurance policy as well.

If you are building a new home, we can also take care of the endorsements for theft of building materials and builder’s risk requirements.

Flood coverage is only available on a separate policy, which is underwritten through FEMA. You do not have to live near a lake or river to experience flood damage. In most cases, we can quote a preferred flood policy without any inspection.

We also have access to the Ohio FAIR Plan, in case your home is not eligible for a standard homeowners insurance policy due to claims or other underwriting criteria.

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This is written to provide coverage on the structure itself, and liability can be extended from your homeowner’s policy for very little cost.

In most cases, we must also write your personal, home and auto in order to be eligible for this policy.

We also recommend that landlords require their renters to obtain Tenants Insurance.

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The minimum liability limits that you must carry with a car insurance policy to be legally insured in Ohio are $12,500/$25,000/$7,500. Simply put, this is the most the car insurance policy would pay out in an accident for bodily injury and property damage. We do not believe these limits are sufficient for anyone driving in today’s legal climate, so we have taken the stance to not write car insurance policies with minimum limits. Surprisingly enough, it is usually very little cost to raise the limits of liability.

When someone mentions “full coverage” they are referring to car insurance protecting against damage to their own vehicle, comprehensive and collision. We have many deductible options that can even be different for each car on the policy.

We also have many options available such as rental car reimbursement and roadside assistance.

If you are shopping for a new car, make sure to check with us first about gap coverage, which is in most cases either less expensive than the dealer or already included on your policy at no additional cost. Also make sure to ask about the replacement cost for your new vehicle.

We also have special antique, collector, and race car policies that are, in part, rated on annual mileage, so they are exceptionally low cost. If you need help with appraising your special vehicle, we can help with that too.