Do I need to buy coverage for a rental car?
As long as at least one vehicle on the policy has full coverage (ie: Other Than Collision AND Collision) you may not need to purchase insurance from the rental agency. We recommend that you call us.

Do I need to buy insurance for my child’s personal property while they are away at school?
Typically, coverage is automatically provided up to 10% of the Personal Property limit on your homeowner’s policy. Additional coverage can be purchased.

Do I need to purchase Flood Insurance?
Since flood damage is excluded under your homeowners coverage, you should be aware that flood insurance is available from the National Flood Insurance Program. Most Ohio communities have qualified for the program that provides coverage for surface flooding only. Structural and contents protection are offered. A $500 deductible applies.

Are my contents covered if they are damaged during a move?
Contents are covered world-wide subject to the perils of the policy (ie: fire, theft, etc). However, if movers are used and the truck is involved in an accident or upset, you’ll need to be sure the moving company has business insurance.

Is hall rental coverage included in my Homeowner’s policy?
Coverage is provided per the Personal Liability section of your policy. An increase in the Liability limit may be purchased.
OTHER

Do I have coverage for a tornado?
Since the policy specifically refers to windstorm as a covered cause of loss, some residents have wondered what exactly windstorm includes. Tornadoes, hurricanes, high winds, thunderstorms and blizzards are all included in the definition of windstorm.

Is Sewer & Drain Backup covered under my homeowners policy?
This coverage can be purchased at an additional charge and added to your homeowner’s policy. This endorsement provides protection for direct loss caused by water that backs up through sewers, drains or sump pump wells. Just as flood insurance excludes coverage for sewer back-up, this endorsement excludes any coverage for damage due to flooding. Coverage is subject to a deductible.

Is Earthquake covered under my homeowners policy?
This coverage can be purchased at an additional charge and added to your homeowner’s policy. Coverage is available with the premium determined by the structure of your home or building. Because it will better withstand an earthquake, a frame structure is less to insure than a masonry one. A substantial deductible (often a percentage of the amount of insurance that applies to the destroyed or damaged property) is in effect.