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Plain City, OH 43064

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Smucker Insurance Agency, Inc. Blog

When Does Umbrella Insurance Kick In?

The idea of being sued is strange. Nobody considers what it’s like until it’s already happening. Unfortunately, it’s not an entirely unique experience. If you’re up against legal problems, umbrella insurance could save the day. That’s why we at Smucker Insurance Agency, Inc want every resident of Plain City, OH, to understand how umbrella policies work.

You Lose a Liability Case

The primary purpose of umbrella insurance is to pay liability damages that are awarded by a court. A common example is in a car accident. If a person is injured in a car accident and they sue you for damages, a court might rule that you owe them compensation. Before umbrella insurance kicks in, your auto policy will cover liability damages that are awarded. Still, if the amount is greater than your auto policy can cover, the umbrella policy steps in to make up the difference (up to the limit of the umbrella policy). With the second insurance, you aren’t paying out of pocket to cover liability.

You Have Legal Expenses

You don’t have to lose a court case to use umbrella insurance. Its other central role is to help you deal with legal expenses. If you get sued for damages and don’t lose your case, you’re still going to owe money to lawyers, and you still might incur court fees. If you have an existing policy that covers the legal fees, it will pay before you turn to umbrella insurance. However, if legal defense costs more than your other policies can handle, the umbrella policy steps in to make up the difference. 

It’s important to understand that you don’t have to be among the wealthiest citizens of Plain City, OH, to benefit from an umbrella policy. You can get substantial umbrella coverage for surprisingly affordable prices. Check with your Smucker Insurance Agency, Inc. representative to see your options.

Does Condo Insurance Cover Major Appliances?

If you are planning on purchasing a condo, you want to make sure you invest in condo insurance to protect your personal property. Although condos usually have a master policy that covers the structure itself, it will not protect your property should there be a covered event.

What Does Condo Insurance Protect? 

In most cases, a condo insurance policy will cover the walls within the condo, or your own personal space, along with other items such as major appliances. Condo insurance is also essential to protect the owner from liability from any number of scenarios. It is essentially the best way to protect yourself from unexpected occurrences that could create a devastating situation otherwise. 

Shopping for Condo Insurance

Not all condo insurance policies are alike, which is why you need an expert to help sift through all of the red tape and fine print associated with each policy. A licensed insurance agent can guide the client through the process and explain the limitations of the policy and the terms and conditions. If you are currently in need of a condo policy and live near the Plain City, OH area,  you can turn to Smucker Insurance Agency Inc. to help walk you through the process and offer policy options that match your needs.

Smucker Insurance Agency Inc. is committed to helping the client find coverage options that protect the things that are important to them. Residents of Plain City, OH can call or stop by the office to speak with an agent to get more details and find out how they can protect their personal belongings and protect against liability claims.

What Does A Comprehensive Auto Policy Cover

As of 2016, the state of Ohio had almost 8 million drivers. That is a lot of people sharing the roads with you. For most people these days, a car is a significant investment. While the law in Ohio does not require that you carry anything but liability insurance, which protects other drivers in the event of an accident that you cause, it does not require that you protect your vehicle. If you have a car loan, your lender will likely require you to carry both collision and comprehensive insurance. While collision coverage is pretty self-explanatory, you may not know exactly what comprehensive auto insurance is. At the Smucker Insurance Agency, Inc. in Plain City, OH, our knowledgeable team understands all types of auto insurance coverage. We are available to help you understand what a comprehensive auto policy covers. 

A comprehensive insurance policy is often called "other than collision" coverage. Lots of things can happen to your vehicle, and all of them do not involve another vehicle, some of them are beyond your control. Weather is one example of things you can’t control. You can’t always protect your vehicle from the effects of a strong hail or wind storm. Tree limbs and hail can cause a lot of damage. So can a large animal like a deer or moose. Theft and vandalism are also covered by comprehensive insurance. Most comprehensive coverage includes glass coverage, and it is good to have when a stone gets thrown up onto your windshield. 

When you are ready to discuss your auto insurance coverage, the experienced team at Smucker Insurance Agency, Inc. in Plain City, OH will be happy to share their expertise. You can give us a call or stop by our office, and you are welcome to use the online rating tool on our website. 

Why You Should Get Commercial Auto Insurance

If you have a business that requires driving vehicles, whether it’s conducting deliveries or something else entirely, it’s crucial that you have commercial auto insurance. Find out exactly what that means by talking to a qualified insurance agent that provides services to the Marysville and Plain City, OH area, such as the agents at Smucker Insurance Agency, Inc.

How Commercial Auto Insurance Helps Your Business

One of the biggest benefits of having commercial auto insurance is that it will ensure that your business is compliant with state and local laws. In Ohio, it’s required that all business-owned automobiles have insurance on them. This differs somewhat from your average auto insurance so it’s a good idea to learn the details of what’s involved before you sign up for it.

Another huge benefit is that you and your employees will have coverage in the instance an accident occurs while you’re in the company vehicle. It provides coverage not only to individuals but also to the business itself so that you can protect your assets.

Types of Commercial Auto Insurance

This insurance features primary coverage for legal liability and responsibility as well as the cost of protection. You also can look into getting collision and comprehensive types of insurance. Collision covers compensation for damages after an accident, including restoration of the vehicle. Comprehensive covers any repairs that you need for your automobile after a theft, or if severe weather or vandalism causes damage to it. 

Commercial auto insurance can be a tricky matter to figure out. However, if you have someone on your side from a reputable agency such as the Smucker Insurance Agency, Inc. of the greater Plain City, OH area, you’ll be in an excellent position to get the right coverage for your needs.



Does Home Insurance Cover Lodging After A Major Claim?

Unfortunately, some home owner’s will experience a significant loss and a claim at some point during their life. When this occurs, usually, there is a need for temporary lodging until the claim can be processed, and the repairs or replacement can be acquired. 

Major Claims

Not all insurance policies are the same, but most quality insurance policies will have a provision in the terms and condition that allows for temporary lodging until the claims can be paid. The appropriate measures also need to be taken to restore the living conditions or replace the home that was damaged. Before purchasing a home insurance policy, ask the agent if there is coverage for temporary lodging included. 

Work With The Agent

Those who are searching for home insurance should work directly with an agent to ensure they get the coverage they want and have temporary lodging included in the home insurance policy in case of a major claim. This provision can save the homeowner from additional loss and will give peace of mind. Those who are around the Plain City, OH area should consult with Smucker Insurance Agency, Inc. to get more details on how they can get comprehensive home insurance that they can count on after a covered incident. 

Don’t assume an insurance policy will provide lodging for a home insurance policyholder. Make sure to get a complete rundown of all of the terms and conditions and ask many questions before making a purchase. Those who need top quality insurance products in Plain City, OH should call or stop by Smucker Insurance Agency, Inc. to speak with a knowledgeable representative. 

Umbrella Insurance Facts

Thinking you have enough insurance just because you have insurance could be a costly mistake. Covering yourself beyond the normal is better than getting caught off guard. Umbrella insurance policies are extra coverage that can protect people who have homes, vehicles, businesses, and even those who are renting. If you’re in Plain City, OH or the surrounding area, Smucker Insurance Agency, Inc. can offer you advice and help you purchase umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance is supplemental insurance coverage that begins when your primary policy’s limits have been reached. Once the limits are exhausted, umbrella insurance will step in and cover the rest. If you want security, this coverage can help protect your assets if you’re deemed responsible for an accident. It can even help cover your children if they damage someone else’s property.

How Umbrella Helps You?

Umbrella insurance has liability policies that include property damage and bodily injury. If someone makes a claim against you, costs could easily add up to more than $100,000 with medical bills and legal fees. If you’re at fault, you could be paying those expenses minus your insurance limits. For example, if you have insurance that pays for bodily injury liability, but the limit is $50,000, and the injured party’s injuries are $125,000, then you will pay $75,000 out-of-pocket. Since most people don’t have that kind of cash, the lawsuit could force you to mortgage your home or sell some of your assets. With umbrella coverage, you won’t have to worry about paying that extra amount, and your assets will be safe with the right policy.

The best way to protect yourself and your family is to speak with a representative at Smucker Insurance Agency, Inc. in Plain City, OH about acquiring umbrella insurance.

3 Tips for Buying Condo Insurance in Ohio

Living in an Ohio condo comes with so many advantages; outdoor maintenance is taken care of, you have neighbors close by, and often there are many amenities, like a gym or pool, to enjoy. However, have you considered getting condo insurance for your fantastic home? Condo insurance will protect what’s valuable to you inside your home, like your furniture, your electronics, and other items. To learn more about getting condo insurance in Plain City, OH and saving money in the process, read on.

1. Work with a Reputable Agent

Whether you know a little or a lot about condo insurance, it’s a good idea to work with a reputable agent to guarantee you choose the right policy. An agent from Smucker Insurance Agency Inc. is ready to answer all your questions and can help guide you through the condo insurance buying process. They can present multiple options and help you choose the best one.

2. Compare Several Quotes

When looking at condo insurance quotes, you’ll want to compare several quotes in fine detail. What is covered and at what cost will vary. A reputable insurance agent will help you understand the differences between each policy.

3. Bundle Insurance Policies under one Carrier

To save money on your condo insurance, bundle it with your other policies, such as your auto insurance, life insurance, and any other insurance policies you may have. When you do this, you can expect to pay less for your premiums. Also, you don’t have to stay with the same insurance company. Instead, you can look at making a switch for added savings.

To learn more about condo insurance, what it costs, what’s covered, and how you can get the best policy at an affordable price, contact the team at Smucker Insurance Agency Inc. in Plain City, OH today. 

Do you Have to Have Commercial Insurance on a Business You Owe Money On?

Commercial insurance is highly beneficial for those that have a business and want to make sure it is adequately protected. For those business owners that do have a loan out on their business, you may be required to have commercial coverage for that investment. For those in the Plain City, OH area, the agents with Smucker Insurance Agency, Inc. can help you to get a reliable commercial insurance policy for your business.

Determining what kind of policy you need is a process that depends on many factors. The main issue is going to be what type of insurance fits your business model. You should be taking the time to create a policy that is catered to your company and to what needs to be explicitly protected. A lender will typically require you to have liability on your business to protect their investment.

The right commercial coverage can help make it easy for you to recover should your business be destroyed. This can help you get back on your feet and keep your business running even if something does happen. The right commercial policy can help you get back on your feet, and with the right agents, you can get a policy that is going to work for you and your business. For those in the Plain City, OH area, the agents with Smucker Insurance Agency, Inc. can help you create a commercial plan to keep your business and investment well guarded against anything that might happen.   

What Home Insurance Actually Covers

Home insurance is part of the responsibility of owning a home.  It protects your investment in the property but it also protects you financially should it be damaged or destroyed.  This peace of mind allows you to enjoy your home with fewer worries.  However, do you really understand everything that your policy’s coverage provides?  The team of agents at Smucker Insurance Agency Inc. work with homeowners in the Plain City, OH area to not only get the coverage they need but to understand the intricacies of the policies they purchase.

Most homeowners know that their home is protected from threats such as a fire or severe weather damage.  This coverage extends to any outbuildings or structures on the property.  This includes storage shed, pergolas and fencing.  It also covers the home’s contents and personal possessions.  Home insurance policies also provide liability coverage in case anyone is injured on the property due to the homeowner’s negligence.  While it will cover the injured party’s medical expenses, it will also address legal fees if they decide to sue.  This is an important facet of the policy because these expenses can be financially devasting.  Should your home be damaged and uninhabitable, it will cover the additional expenses of a hotel and meals until you can return.  Personal items, such as laptops, can also be covered if they are stolen even when you are away from home.

The agents at Smucker Insurance Agency Inc., serving the Plain City, OH area, can help you understand your policy and answer any questions you may have.  They will also help you select the policy terms that will be the best protection for your home and family based on your lifestyle and situation.  They want you to have the best coverage possible so don’t wait to get the protection you need.  Visit them today!

3 Benefits of Classic Car Insurance

Although purchasing a classic car can be a great way to add something cool and unique to your car collection, you must also obtain special coverage in order to keep it. That said, for residents of Plain City, OH, the following is an overview of 3 benefits of purchasing classic car insurance.

Agreed and Guaranteed Value

While the average car tends to drastically lose value, classic cars tend to maintain the same value and may even increase in value over time. Therefore, when purchasing an auto insurance policy, you will purchase one that offers a value that you have agreed upon and is guaranteed to be paid in case the vehicle become totaled.

Highly Affordable

Since most classic cars are driven very carefully and often, only on rare occasion, purchasing classic car insurance coverage is typically inexpensive when compared to coverage for brand new and even many used vehicles.

Flat Bed Towing

Given that classic cars are often very expensive to repair, many auto insurance companies provide flatbed towing, to limit the damages that can occur while transporting the vehicle after a breakdown. When dealing with typical cars, this is often not the case. However, you will have the option to request a flatbed tow truck in the event that your car breaks down and needs to be towed to its destination.

Overall, for residents of Plain City, OH, Smucker Insurance Agency Inc. is a great place to purchase classic auto insurance coverage. Rather than trying to purchase classic car coverage from an unqualified source, the experts at Smucker Insurance Agency Inc. are here to cater to all your classic car insurance needs.