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Smucker Insurance Agency, Inc.

154 North Chillicothe Street
Plain City, OH 43064

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Smucker Insurance Agency, Inc. Blog

Is Renter’s Insurance Really a Need?

Whether you rent a home, apartment, condo or even a room in Plain City, OH, you can benefit from a renter’s insurance policy from Smucker Insurance Agency Inc. Renter’s insurance protects you and your belongings from perils you may face while renting a home or apartment. Here’s how renter’s insurance works to protect you and your personal property.

Personal Property Protection

If your rental home is burglarized or catches on fire while you’re at work or on vacation, renters’ personal property protection will pay to repair or replace your belongings. This saves you from dipping into your savings to replace lost or stolen items out-of-pocket. If you’re like most people, you’ve probably accrued quite a bit of value over the years. Insuring these goods is much cheaper than having to replace them on your own if they were destroyed in a disaster.

Renter’s insurance even protects your goods when you travel. If your laptop gets damaged or stolen while on vacation, renter’s insurance will cover repair or replacement costs, up to the limits of your policy.

Liability Protection

If you like to have people over for dinner or parties, renter’s insurance offers liability protection in case one of your guests has an accident while visiting your property. A slip and fall could result in a concussion or broken bone, leading to hundreds or thousands of dollars’ worth of medical costs. Liability coverage helps pay for medical expenses of accidental injuries so you’re not held liable for these costs. You can’t predict when an accident will happen but you can be prepared with liability insurance protection.

Renter’s insurance can help offset the risks of renting a home or apartment. For more information on renter’s insurance coverage and costs, contact Smucker Insurance Agency Inc. in Plain City, OH.

How Much Umbrella Insurance Should I Carry?,

Umbrella Insurance offers extra protection that kicks in when primary insurance policy claims exceed the primary policy limits. Umbrella Insurance limits are much higher than primary insurance limits and remain quite affordable. This type of insurance generally covers the insured’s assets should an unexpected occurrence place them at risk as a defendant in a lawsuit.

Additionally, Umbrella Insurance coverage for those living in and around the Plain City, OH vicinity protects against false arrest, slander, libel, and legal costs, among other concerns. Smucker Insurance Agency Inc. recommends that an Umbrella Insurance applicant determine how much coverage they will need by carefully considering the following factors –

Determine the Value of the Assets 

This is important. Include retirement monies, stock & bonds, property, belongings, and any other asset that may be seized as the result of a lawsuit loss. Umbrella Insurance helps the insured avoid unpredictable jury decisions and even covers legal fees for winning and losing cases.

Define Current Risks

Think about the potential risks as a homeowner or a landlord and, just how likely you are to face a lawsuit given the way in which you live. Are there swimming pools, bicycles or golf carts on the property that may cause property damage or bodily injury? 

At-Risk Drivers

Traditionally riskier drivers, like teenagers or seniors, that are covered by your insurance policy places the insurance policyholder at an elevated risk level — just by their mere presence.

Each insured’s situation differs. For those who live, work and play in and around the Plain City, OH area interested in discussing Umbrella Insurance options, reach out to the insurance professionals at Smucker Insurance Agency Inc. on the Internet or by phone to learn how to appropriately protect one’s assets, today, and in the future.

 

 

When Should You Purchase Condo Insurance?

People who rent or buy a condo may need to consider a few factors before deciding what type of insurance to purchase for complete coverage. Although the building will have certain insurance in place to cover the structure in a general sense, the contents of the condo are likely not insured.

Condo Insurance Coverage

Condo insurance is designed to cover the interior of the condo unit, along with the major appliances and other features of significant value. In order to cover personal belongings, it is likely that renter’s insurance may also be necessary to provide well-rounded, complete coverage without costly gaps. Discuss current needs with an experienced agent to learn how to get the coverage necessary to prevent gaps and loss. 

Working With An Agent

Workding with a skilled agent who knows how to combine insurance products to offer complete coverage is a must to prevent gaps and potential for financial loss. Find an agency that is established in the community with a reputation for excellent customer service to help get the coverage that fits the situation appropriately. People who own property in or around the Plain City, OH area can work with the agents at Smucker Insurance Agency Inc. to get the answers to their questions and discover the insurance products they need. 

People who are searching for condo insurance coverage in the Plain City, OH area should contact Smucker Insurance Agency Inc. for more details and to speak with an agent in person. Call or stop by today for more information and answers to common questions related to obtaining condo insurance and getting complete coverage for all belongings in the unit. 

How Does Auto Insurance Change After 50?

One of the many silver linings to getting older is that in many cases things get cheaper. Discounts abound when you hit the “senior” status. Car insurance in Marysville or Plain City, OH and surrounding areas are no different. Here is what you need to know about how car insurance changes after the age of 50.

When do Rates Change?

Although many people look forward to lower car insurance rates as they get older, these rates eventually will level out for people around the age of 50 to 60. This will be the time in which, with a good driving record, you can enjoy the rock bottom, lowest rates available to you. However, after you hit this sweet spot, the rates start going up again in your 70s.

Why Do Rates Fluctuate?

Car insurance rates fluctuate because insurance companies base their rates on many different factors. They base their rates on cars, driving behavior, and age. Age is important because, as an age group, drivers behave in certain ways. Even if you are an exception to the group rule, you will still fall into that category because of your age. Speaking with a rep at Smucker Insurance Agency, Inc. can help you better understand these changes.

How Can You Save?

The best way to always make sure you are getting a reasonable price on car insurance is to keep an excellent driving record. Even if you are in a high-risk age group, you will not be hit with higher premiums due to claims or marks on your driving record. Following the speed limit at all times, being cautious and not participating in risky driving behavior, will all contribute to making sure you get the best deal possible for your age group.

It is also a good idea for older drivers to brush up on their driving skills by taking driving classes geared toward seniors.

If you would like to learn more about car insurance and how it changes with age, please contact our friendly staff at Smucker Insurance Agency, Inc., serving Plain City, OH, and surrounding areas.

Make sure your commercial fleet is covered!

Are you a business owner in the greater Plain City, OH area?

We want to make sure that our clients have comprehensive commercial coverage that protects all of their business equipment, property, and vehicles. The team at Smucker Insurance Agency, Inc. is here to meet with you and review your present policy to make sure that it provides adequate protection.

Does Your Commercial Fleet Have Adequate Insurance Protection?

Commercial insurance can be confusing at times, as you try to understand exactly what your policy does and doesn’t cover. If you have a commercial fleet attached to your business, you may not have the comprehensive protection that you may need. Delivery services, transport companies, and construction firms are just a few examples of the many types of businesses that utilize commercial fleets as part of their operation. 

It may be necessary for you to supplement your primary policy with additional coverage to provide protection for your business in the event of an accident, theft, or damage to one of your vehicles. Every case can be different, which is why we recommend that all of our commercial clients have an annual policy review of their entire commercial insurance portfolio. Your business can be held liable if one of your vehicles is involved in an accident, and the result can have a significant and negative impact on your business. With the right policy, you can be protected in the event of an accident or mishap.

If you are a business owner in the Plain City, OH area and want to make sure that your commercial insurance has the coverage you need, call or stop by the Smucker Insurance Agency, Inc. office today! We will help you determine which policy and coverage level provide adequate protection for your firm.

Is Home Insurance Mandatory?

Home insurance is something that all homeowners should consider and that some are required to hold. For many, if you have a loan on your home, you are likely required by your bank or lending company to hold a home insurance policy. For those that live in the Plain City, OH area, the agents with Smucker Insurance Agency, Inc. can help. Here are some specifics to look for:

What to Look for With Home Insurance

The most basic way to approach home insurance is to determine if you hold a loan on your property. If you have a mortgage or any other type of loan on your home, it is likely that your lender is going to require you to hold a home insurance policy for at least the value of the loan. This does not mean that you have to have a loan for the value of the home, but rather the amount of the loan so that you can pay it off if the house is destroyed.

There are some instances in which you are not required to hold a home insurance policy, and the most common is if you own your home and have no loan or mortgage out against its value. This means that you are not going to have to have a home insurance policy, but it also means that if something were to happen, you would have to pay for the home and pay to have it rebuilt or have it repaired by yourself with no other help.

Not all homeowners benefit from home policies, but for the most part, a home policy is a good idea for all homeowners. For those that live in the Plain City, OH area, the agents with Smucker Insurance Agency, Inc. can help you find the home policy that works for your home and your individual needs. Contact us for a quote or try our online rating tool.