Insurance in Loveland, Ohio
If you need insurance coverage, you understand how confusing it can be to get the details right. Residents of the Loveland, Ohio, area may have specific insurance needs best addressed by working with an independent insurance agent.
Contact the Wilber-Price Insurance Group in Chillicothe, Ohio, to get the help you need securing the right types and amounts of insurance at a great price.
What Is Personal Insurance?
Personal insurance products include policies that may protect an individual against losses after an incident that damages property or causes injuries to someone else. This type of coverage is crucial for people who want to protect their assets, belongings and property. Standard personal line insurance policies may include renters or homeowners insurance, auto insurance, disability income insurance and life insurance.
If you cause an accident, your policy pays for damages to the other party’s property as well as their medical bills if the accident caused injuries, up to the policy’s limits. In many states, drivers must carry a minimum auto insurance liability coverage. However, your agent may recommend that you purchase more than the minimum required amount.
If you want coverage for your property or have an auto loan or lease, you may need to include comprehensive and collision coverage with your auto policy.
Your homeowner’s insurance policy may help pay for repairs if your home after damage from a covered event such as a fire or storm. It also includes liability coverage, so if an injury occurs on your property, your insurance may help pay for damages, including medical bills.
If you have a mortgage, your lienholder may impose specific insurance requirements to help protect their interest in your home.
If your death would cause financial strain for your loved ones, life insurance may provide the financial support they need after you die. Your agent can help you decide between a simple term policy providing coverage for a set amount of time or a permanent policy with coverage that lasts your entire life.
You may also be able to add a long-term care rider to your life insurance or purchase a standalone policy. Long-term care insurance helps pay for the costs associated with necessary ongoing medical care as you age.
What Is Business Insurance?
This type of coverage is a combination of property and casualty insurance specially designed to meet the needs of businesses. Standard business policies include workers’ compensation, cyber liability, commercial auto, professional liability and general liability. Commercial lines of insurance often come with premiums that are higher than residential or personal insurance products.
If you have a farm or ranch, a farm insurance policy may help provide coverage for your livestock, farm products and machinery, as well as your home and personal liability. Farm insurance policies are highly customizable, so it’s crucial to work closely with your agent to get the proper coverage.
What Is an Independent Insurance Agent?
An independent insurance agent doesn’t work for a specific insurance company. They work on behalf of their clients to get the best possible insurance policies from reputable companies. Your independent agent may offer you several choices and help you understand how each policy can help you protect your financial stability.
Get the Insurance Coverage You Need Today
The agents at Wilber-Price Insurance Group are independent agents. Call 800-797-2016 today to start building your ideal insurance package.