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154 North Chillicothe Street
Plain City, OH 43064

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Smucker Insurance Agency, Inc. Blog

Should Pet Owners Get Renters Insurance?

If you own pets and rent your home, you may have considered a renters insurance policy. In fact, it is growing more common for people with pets to get renters insurance policies for added protection.

If you live in Plain City, OH, Smucker Insurance Agency Inc. can help you understand the benefits of renters insurance for pet owners.

Renters Insurance May Cover Liability

If you have a pet, you are well aware of the risk of bites and scratches to others. In some cases, pet bites lead to serious injuries and medical bills. Renters insurance may offer some liability coverage, especially if your pet is listed in your policy documents.

This policy may also step in to help if your pet damages the home you live in. It relieves you of some liability if the landlord notices pet damage when you move out.

Renters Insurance Could Make You Look Like a Good Tenant

If you are looking for a new home and happen to have renters insurance, a landlord wary of your dog may see that you have a renters insurance policy and allow you to rent. They will see that you are a responsible pet owner and tenant, and they will not have to worry so much about damage to their property.

Renters Insurance Is a Smart Idea for Pet Owners

While both cats and dogs can damage a home, dog owners are especially wise to have renters insurance even if it is not required to rent a home. If you have questions about Plain City, OH renters insurance, check out Smucker Insurance Agency Inc. for additional information about policies available for you.

4 Advantages of Umbrella Insurance

The reason you probably have several insurance policies is to protect yourself from unforeseen accidents. Unfortunately, auto, home, and boat insurance, for example, shield you to a certain extent but get depleted in the event of substantial claims, putting your finances in jeopardy. Fortunately, Smucker Insurance Agency Inc. of Plain City, OH, offers umbrella insurance that comes in handy when your conventional insurances run out.

When you buy umbrella insurance from us, here are the benefits you enjoy:

Asset protection

The ultimate intention of umbrella insurance is to protect your assets. If you cause an accident that causes significant bodily injury or property damage to others, your underlying liability insurance may get depleted, leaving you with bills to clear. This could drain your savings or even let go of some of your assets if the bill is enormous. Umbrella insurance, however, protects you from such occurrences, leaving your assets intact. 

Additional coverage

Typical liability coverages don’t cover personal liabilities like slander, arrest, defamation, or libel. Luckily, umbrella insurance covers personal liabilities, protecting your finances when sued by third parties.  

Peace of mind

Like any other insurance, an umbrella insurance policy offers peace of mind from the extra additional liability protection. You can work hard, knowing that no one will come for your assets. Besides, since we live in a litigious society, you don’t have to live on the edge because of fear of being sued.

Affordability 

Now that the policy kicks in when your other policies get depleted, it becomes significantly cheap. You will be surprised how much you part with that additional protection.

Umbrella insurance in Plain City, OH

Don’t wait to be sorry. Instead, protect yourself inside out with umbrella insurance. Umbrella insurance is there to give you that complete protection without leaving any gaps. Ready to purchase your umbrella insurance? Talk to Smucker Insurance Agency Inc. for an affordable quote. 

Condo Insurance Myths Exposed

Smucker Insurance Agency Inc. offers coverage to Plain City, OH residents. We are an independent insurance agency. For over 40 years, we have helped our clients find the policies they need to minimize risks. We evaluate our client’s unique situation so that we can help them find a policy that closely aligns with their needs.

Condo Insurance Myths Exposed

Condo insurance protects all of your personal belongings inside your Plain City, OH condo. The policy covers your personal items if they are damaged or stolen. The policy also covers any damage to the interior of your unit such as light fixtures. Liability coverage protects you if someone is injured while visiting your property or if you cause property damage. While you search for coverage, here’s the truth about these condo insurance myths.

The Building Owner Covers Everything

This is a common misconception. The building owner only covers damage to the outside structure of the building, as well as common areas such as stairs, hallways, and lobbies. Condo insurance covers the interior structure of your unit; the walls and flooring.

You Have No Emergency Coverage

You can add temporary living coverage to your policy if your condo suffers significant damage. You’ll be protected as you look for another place to stay until your condo is repaired.

I Don’t Have Anything Worth Covering

All of your personal items have value. Think about the stress involved if you have to replace your most important items such as your electronics or refrigerator. Condo insurance covers these items if something happens to them.

Smucker Insurance Agency Inc. Will Help You Protect Your Assets

Visit our website to learn more information about condo insurance.

Required Commercial Insurance in Ohio

Every state mandates which types of commercial insurance that small businesses must have. In Ohio, there are two types of commercial policies that are required for many businesses. If you aren’t sure which are required for you, call us at Smucker Insurance Agency Inc in Plain City, OH.

Workers’ Compensation Insurance

One of the required types is workers’ compensation insurance, often simply called workers’ comp. This is an insurance policy that every Ohio business that has employees must have. It’s required no matter how many employees you have. If an employee were to get sick at work due to something on the premises, or an employee were to become injured, workers’ comp pays for the medical bills that result from this. It can also pay the employee for their lost wages if this is necessary. This is an important type of protection for small businesses, and it ensures that your business won’t have to pay the escalating medical costs for an accident or illness. 

Commercial Auto Insurance

If your Ohio business owns any vehicle, that vehicle has to have a commercial auto insurance policy on it. The state has mandatory minimums for how much you have to have in auto coverage. This includes a set minimum for the property damage that you are liable for as well as for the bodily injuries that you’re judged liable for. These can be high costs, and the set minimum amounts in Ohio are relatively low. It is often recommended that you get more than the minimum amount of coverage to make sure that your business is protected. 

Get Your Business Protected With Commercial Insurance

Every business owner needs to have certain types of insurance for their company. If you don’t have yours yet, call us at Smucker Insurance Agency Inc. in Plain City, OH.

What Qualifies a Classic Car?

What Qualifies a Classic Car?

When we buy cars, we assume they are the classiest cars we could ever own. However, this is not an everyday definition for any Plain City, OH classic car insurance company. Most insurance providers check specific features, traits, and qualities to determine whether a car can be classified as “classic” or not. Some will base their judgment on age, while others will check the value of both to tell whether your car should enter the classic car category or not. If you are not sure whether your car is classic or not, Smucker Insurance Agency Inc will share three outstanding characteristics to help you know.

It’s All About Age

The simplest definition of a classic car is age. The older the car, the "classier "it gets.  According to most experts, it must have stood the test of time for any car to get closer to something classy. Now, age may differ greatly from one insurance company to another. For some, five years is a long time, but for some, it’s 25 years. Most states consider cars above 20 years but not more than 40 years as classic cars.

They Only Appreciate in Value

Classic cars are valuable investments, especially if they are well maintained. Unlike most modern cars, classic cars appreciate, and your insurance company must check its value and insure it based on the agreed value. Their parts are similarly hard to get, and there aren’t many technicians to handle them.

They Should Retain Their Original Shape and Design

A classic car is not your everyday car. It is not the type of car you hop in to take you to work or buy groceries. Classic cars appear in car shows and may be used on rare occasions to travel short distances. That means minimizing mileage and reducing the risk of accidents to maintain the original design. Also, no modern parts should be added.

Do you own a classic car in Plain City, OH and would like to insure it? Smucker Insurance Agency Inc can help you learn everything about your car and find a perfect insurance policy for you. Call us today.

Who Should Get Renters Insurance In Plain City, OH?

At Smucker Insurance Agency Inc., one of the questions we get from our Plain City, OH clients are: do I really need renters insurance? Am I not covered by the landlord’s policy? In this article, we will delve into renters insurance and establish who needs it.

Who should get renters insurance?

While renters insurance isn’t mandatory in Ohio, some landlords may still want you to carry one before renting their property. This way, the landlord isn’t liable for renters’ responsibilities. If your landlord requires you to obtain renters insurance, they probably have minimum coverage requirements. However, remember, these are just minimums. You need to check with your agent if the coverage gives you maximum protection. 

Even though your landlord doesn’t require you to carry renters insurance, it’s a smart choice to purchase one for the below reasons.

  • Liability coverage: Every renter is exposed to a certain level of liabilities. Ranging from a neighbor’s property damage to causing bodily injury to a third party, renters are often faced with the risk of liabilities. Thankfully, renters insurance covers liabilities, which can be financially draining.
  • Personal belongings’ protection: Do you own furniture? Or perhaps you have electronics and other equipment? Theft, fire, and vandalism can cause unspeakable loss or damage to your assets. But instead of starting from scratch when a loss occurs, renters insurance can compensate you for the loss up to your coverage limit. 
  • Loss of use: If your home is damaged and is unlivable, you will probably seek temporary housing in a hotel. In the process, you will incur accommodation and meal expenses. And because you hadn’t planned for these expenses, they can destabilize your financial position. Thankfully, renters insurance can save the day by compensating you for additional living expenses up to your policy limit.

Do you have renters insurance? If not, get one from Smucker Insurance Agency Inc., serving Plain City, OH, and the surrounding areas. Contact us today and see how much we can save you.

To what primary insurance policies can you add umbrella insurance?

Smucker Insurance Agency Inc. knows that insurance gets a bit complex at times. Umbrella insurance is one of those policies that takes a little explaining. 

Umbrella insurance is a secondary insurance policy. You need to have a qualifying primary policy to obtain umbrella insurance. This can be any one of several policy types, including homeowner’s insurance, renter’s insurance, auto policies, or RV insurance. Any primary policy qualifies you for the secondary insurance of umbrella insurance. 

What exactly does umbrella insurance do?

Your umbrella policy adds coverage to your liability coverage on the primary policy. You must already carry the maximum coverage on the primary policy for liability. Let us say your home policy lets you carry $1 million in liability coverage on your Plain City, OH home. You maximize that coverage, but you want more than that. You would like $2 million of liability coverage because you entertain regularly at your home which has both a swimming pool and trampoline. With so many opportunities for accidental injury, you want the added coverage.

Your Smucker Insurance Agency Inc. can help you obtain an umbrella insurance policy. This provides you the coverage you need. Umbrella only provides liability coverage. It not only extends the coverage you need, but $1 million in umbrella coverage also costs little. Secondary policies typically cost less in premiums.

When an accident does happen, your insurance primary policy covers it first. Once you exhaust the primary policy’s liability coverage, you can access the umbrella policy. That means the accident would have to have caused damages in an amount greater than $1 million. Your primary policy, your homeowner’s insurance, in this case, would pay out the first $1 million. After that, any amount still due to those injured would come out of your umbrella policy.

Let Smucker Insurance Agency Inc. serving Plain City, OH help you obtain the coverage you need. Call us today. 

Condo Insurance Protects Your Personal Space

Having a condo can be a great way to enjoy your own space without renting, but also not have all the responsibilities that come with owning a single-family home. You won’t need to worry about things like yard maintenance or whether the roof needs repair, since those aren’t areas of the condo building or land that belong to you. But you still want to protect your actual unit and the contents, which is where condo insurance comes in. If you’re in the Plain City, OH area and need this kind of policy, Smucker Insurance Agency Inc. can help you find the right option for your needs.

The personal space inside your condo, along with the four walls that make up your unit, is your responsibility when it comes to insurance to protect them. You don’t have to worry about protecting the rest of the building, so you need a policy that’s different from typical homeowner’s insurance. Then you can enjoy your condo, all it has to offer, and the peace of mind that comes with knowing you’re protected the right way and your belongings are covered in the event of damage or property destruction.

If you live in or around the Plain City, OH area and need a condo insurance policy, reach out to us at Smucker Insurance Agency Inc. today. We can help you find the coverage you need and talk with you about any options you might be considering. That way you can have the quality policy you want and expect, and the knowledge that you’re covered for the issues life can sometimes throw at you. There’s no reason to settle for just a basic policy or worry about whether you have enough protection when you choose a policy with help from our trusted and dedicated agents.

What Happens if I Don’t Have Commercial Insurance

Not only does commercial insurance help safeguard your employees and businesses from costly lawsuits, damages, and more but also it helps you avoid penalties from the state for not having adequate insurance coverage. In Ohio, like other states, small businesses are required to carry two types of insurance for their company: 1) workers’ compensation insurance and 2) commercial auto insurance. 

First, workers’ compensation is legally required for any business with employees – regardless of their status as part-time, full-time, seasonal, or temporary workers – and helps pay for work-related injuries or illnesses sustained while on the job. Unlike many other states, workers’ compensation insurance must be purchased through a state agency in Ohio. Second, commercial auto insurance with at least state minimums for liability is required for any vehicle owned by the business. Additionally, although not required, it is highly recommended that if you require your employees to use their personal vehicle for work functions that they are covered under hired or non-owned insurance as the majority of personal policies exclude business use. 

Consequently, not carrying commercial insurance can have serious ramifications for a business. For starters, you’ll open your business to potential fines and litigation by the state of Ohio. Furthermore, not carrying commercial insurance means that you’ll be exposing your business and risking your own personal assets should you be found liable in a lawsuit from employees or a third party.

When you need to find commercial insurance, but don’t know where to start contact the all-star team at Smucker Insurance Agency Inc. in Plain City, OH. Our friendly and professional group of insurance experts will walk you through your options and learn about your business so that we can customize a commercial insurance policy that checks all the boxes. 

Why Businesses Need Umbrella Insurance

Your Plain City, OH business like most businesses needs liability coverage more than almost any other type of insurance coverage. Your business owner’s policy may not offer the level of coverage you need, but you can easily enhance this with an umbrella policy from Smucker Insurance Agency Inc.
An umbrella policy provides the insurance version of your umbrella in a rainstorm.

Think of your rain slicker as your BOP policy. Your umbrella provides extra protection.
Your BOP covers liability at your office location, storefront, etc., but once it pays the maximum of the policy, the rest comes out of your pocket unless you own an umbrella policy.

You can only buy an umbrella policy once you own a BOP or business liability policy. Umbrella coverage is secondary coverage, providing what amounts to an add-on, but as a separate policy.

We live in a litigious society. One accident on your business’ premises could require settlements to multiple people. The low cost of umbrella policies makes them a wise investment to protect your business.

Imagine that a fire breaks out in your place of business or a tornado or derecho strike it while staff and customers are there. You can feasibly get sued because you did not have fire retardant curtains and tablecloths or because your business had no storm shelter or basement. Perhaps it had no weather radio.

That may sound farfetched as you read this article, but conduct an Internet search for fires at businesses or how common tornadoes are in the US. Every state experiences tornadoes. Your wise investment in an umbrella policy protects your business and pays these settlements once you exhaust the BOP’s liability.

Contact Smucker Insurance Agency Inc. to learn how best to protect your Plain City, OH business from liability with umbrella insurance. Let us help you make your business more successful.