Personal Insurance
Our agency is fully licensed in Ohio, Michigan and Indiana.
Personal Packages |
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Automobile
It is important to realize that driving an automobile represents one of the greatest potential financial exposures an individual can face. Our agency can tailor your specific needs along with coverages and limits to fit your budget.
Premium Cutting Discounts
- Multi-Car Discount - If you insure more than one vehicle, you are entitled to a multi-car discount. This can sometimes be applied even if the second is an entitled vehicle in your household.
- Multiple-policy discounts - By insuring both your automobile and homeowners insurance with one company, you may realize significant savings on both policies.
- Senior operator discount - For those drivers who are over age 60 or retired, certain companies offer up to a 10% savings on both automobile and homeowners insurance.
- Higher deductibles - As the cost of repair, medical care, and vehicle cost increases, it can make sense to increase deductibles.
Antique/Classic Vehicles
If you're like us, your heart races when you see that "classic" car going down the street. We know the pride and care that goes into owning a collectible automobile, that's why we have developed a classic/antique automobile program in conjunction with two of our companies.
These specialty programs offer:
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Our specialty program is intended for vehicle enthusiasts who own an antique, classic or show vehicles which is at least 15 years old. Other qualifications may include: vehicles in original condition or are in the process of being accurately restored, storage of vehicles in a fully enclosed structure, and driven less than 2,500 miles annually. Talk to one of our knowledgeable staff about program specifics. |
Homeowners
Your home may be the biggest single investment you ever make and the right insurance can protect that investment. Our agency can make it easy to insure your home with the right coverages.
We can tailor your specific needs with such options as:
- Personal property replacement cost - Helps protect you against the impact of depreciation in value due to wear and tear and age.
- Dwelling replacement cost - By insuring your home at 100% replacement cost, most companies offer dwelling replacement cost which guarantees to replace the dwelling after a covered loss.
- Scheduled personal property - Covers those unique or high value items such as jewelry, furs, collectibles, and fine arts. "Standard" insurance policies place limitations on these and other certain types of personal property.
Coverage for your business at home - It is estimated that by 2001, one in three homes will have some type of at home business. We can tailor a policy to meet the needs of these businesses.
Water backup of sewer or drain - Damage caused by water that backs up through sewers or drains can be endorsed on to the policy. This protects contents, as well as the dwelling.
Renter's Insurance
Renter' Insurance is designed to cover an individual's personal belonging in a house or apartment that they do not own. This includes furniture, appliances, clothing, electronics equipment and other items of value. Renter's insurance also provides personal liability and additional living expenses in the event of a covered loss. In addition, by "bundling" this insurance with your automobile insurance, the overall costs are reduced.
Valuable Items Floater
This endorsement is usually added to a homeowners, condo unit owners or renters policy to provide specific coverage on a particular item. By "scheduling" these items broader coverage is provided under the policy.This might be camera equipment, sports equipment such as golf clubs or bicycles, or jewelry items. Many of these items have limitations on coverage unless specifically listed on the policy. Please speak with our insurance professionals if you have specific questions on coverage.
Fine Arts Floater
A fine arts floater provides broader coverage for those valuables items such as antiques, paintings, and artwork. By scheduling these types of items, "breakage" can be endorsed onto the item which is a standard exclusion under most policies. In addition, by "scheduling" these items, the deductible is lowered or eliminated on the specific piece. Talk to our staff with any specific questions that you might have on this coverage.
Identity Theft
Identity fraud is one of the fastest growing areas of crime in the United States. Identity theft involves someone stealing your Social Security number and other valuable personal information for monetary gain. While you are generally not responsible for the debts that the criminal accumulates, you can be left with damaged credit history that can take months or years to repair. Identity Fraud Expense coverage is designed to cover the cost of fixing credit records, reimbursement for lost wages, long distance phone calls and attorney fees. Identity theft coverage can usually be endorsed onto the homeowner's policy at a very reasonable cost.
Dwelling FireWe insure a broad range of rental properties including, newer homes, older homes, lower value homes, and vacant or under renovation dwellings.
Additional options available:
- Loss of rents
- Landlord liability/Medical payments
- Vandalism and malicious mischief
- Theft coverage
- High deductibles
- and more..
Mobile Home
We know that your mobile home is an important investment in your life. Our companies have tailored programs for the specific needs of mobile homeowners.
These include:
- Personal belongings and adjacent structures coverage -- such as storage sheds, awnings, and carports.
- Scheduled personal property coverage -- extra protection for your higher value items such as jewelry, guns, stamps, coins, and fine arts.
- Personal effects replacement cost -- you receive the value of "new" for "old" once you replace your damaged property.
- Multiple-policy discounts - by combining your mobile home and automobile insurance together, many of our companies offer significant premium reductions.
Umbrella
The personal umbrella is a broad coverage liability policy designed to protect your personal assets from bodily-injury and property damage lawsuits. The personal umbrella can provide an additional "layer" of insurance protection for automobile, homeowners, eligible rental properties, recreational vehicles, and personal watercraft. Coverage protection is available with limits from $1 million to $10 million.
Boaters Insurance
With Ohio and Michigan being major boating centers of the country, families today are more than ever enjoying the region's diversity of lakes and watersystems. Our agency has insurance programs to cover all types of boats and personal watercraft. Your boat is a major investment and commitment, in both time and money. You need the best protection - at a competitive price - for this investment. With a boatowners policy, it is possible to insure against physical loss and coverage for the liability of operation.
Universal Life
Life Insurance that offers the flexibility of today's needs and those of the future. Universal life allows you to choose the right balance of protection and cash accumulation for your individual circumstances.
Term Life
Whether you're facing growing family or business responsibilities on a limited budget, your financial obligation is for a limited time, we can tailor a term policy that is right for you. Our companies offer competitive term products at 10, 15, 20, and 30 years. As time passes, your need for life insurance protection may become "permanent" in nature or may be replaced by new needs in protection. You'll be glad to know that term products may be converted to permanent policies without evidence of insurability, plus many of our companies offer a "conversion credit".
With mortality costs decreasing now more than ever, term policies have decreased dramatically in the last 10 years.
Mortgage Life
Life Insurance to cover the balance of your mortgage and provide protection against the death of an individual or spouse.
Disability Insurance 
Coverage for your ongoing monthly expenses such as a mortgage, car payment, credit card debt, etc. when a person becomes disabled due to sickness or an accident.
