We frequently see cases where customers come to us to make changes to their existing policies after they have had an experience of inadequate, insufficient or wrong coverage.
We cannot set the clock back in time but do recommend considering below approach while shopping for insurance. Unlike what most customers think more coverage does not always mean more cost of insurance.
The basic minimum requirements for liability and property damage cover in Ohio State is 25K but in case of an accident the exposure remains high. We highly recommend a minimum cover of 100/300/100K which in some individual cases may need a coverage of over 500K and also require an umbrella to protect the assets.
We also recommend coverage for Uninsured and Under-insured motorists to ensure right protection for yourself.
There are many ways we can save money and at the same time provide the right level of coverage by claiming discounts like Early shopping, Good Student, Professionals, Paid in Full, Multi car, Homeowners, Combining Auto, Home & Life.
We recommend replacement cost value over actual cash value to ensure our customers home conditions can be restored back to its original condition. In some cases we also make sure that there is the right coverage for sewer/water backup.
Liability coverage is essential coverage and it didn't cost much.
There are many ways we can save money while providing the right level of coverage by claiming discounts for Claim Free, New Roof, New Home, Renovation (Plum, Heating & Electrical System upgrades), Home Safety (auto gas shutoff valve, leak detection system), and combining Auto with Home and Life.
When one heart stops many more break. Our death could spell financial disaster to our loved ones. We approach it to ensure care and protection for our loved ones for income replacement, debt repayment and estate planning.
By combining Auto, Home and Life we can get very attractive premiums for Life coverage.