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152 Lear Rd
Avon Lake, OH 44012

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What Types of Commercial Policies Do Transportation Companies Need?

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All businesses in and near Avon Lake, OH, need various commercial insurance policies to operate safely. However, if you have a company that transports goods and/or people, you need specific insurance lines to protect your investment. Meiners Insurance can steer you toward appropriate coverage to adequately insure your employees, inventory, and more.

Vehicle Coverage and Liability

When you run a delivery or transportation company, you have a fleet of vehicles that require protection. The most essential protection is commercial auto insurance, which you can tailor to your vehicle types, including delivery vans, passenger vans, and trucks. These policies cover bodily injury and property damage to others, as mandated by federal regulations. Your policy should also cover your vehicles from collision, theft, vandalism, and weather damage. Some companies may also consider cargo insurance to cover lost, stolen or damaged freight.

Specialized Commercial Policies

Your specific risks, fleet size, and the types of operations and cargo you handle will determine the exact combination of policies needed. Other types of policies that transportation companies commonly buy include the following:

  • Bobtail Insurance, also called non-trucking liability — covers liability when driving without a trailer or not under dispatch.
  • Trailer Interhance Insurance — covers trailers you pull but do not own
  • Uninsured/underinsured motorist — essential coverage to protect your company’s investment

Umbrella liability can provide larger companies with additional liability coverage beyond primary policies. Other common add-on policies include cyber insurance to protect against data breaches and business interruption insurance to cover lost income if you must temporarily halt operations due to a covered risk.

Discussing your operations, specific risks, and more with the professionals at Meiners Insurance can give you a clear understanding of the protections your company needs. Contact our office today, serving Avon Lake, OH, to get started on your commercial insurance package.

Does Customization Alter Classic Car Insurance?

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Car insurance is designed to cover you if your car is damaged or totaled. But if you have classic car insurance, your main goal is to make sure that your stored investment is covered. It’s not a car that you drive around regularly, and you’re getting classic car insurance to protect your investment. 

So, if you customize your car or otherwise modify it, will it change your car insurance as significantly as it would if you had a standard vehicle? Here, Meiners Insurance explains what customization might do to your policy, how to navigate it, and how to cover your classic car with the support of an independent agent serving Avon Lake, OH. 

What You Should Know About Classic Car Customization

As with customizing your average vehicle, making any modifications to a classic car will impact your classic car insurance. Your classic car already needs specialized coverage because of its value and the repair costs associated with any damage. If you modify a classic car, you can increase the value significantly and make it more expensive to repair. Consider any potential modifications to ensure they’re worth it for you. If you do intend to make any modifications, let your insurance agent know. This will prevent any complications, such as claim denials, in the future. 

Protect Your Classic Car With Meiners Insurance

Don’t lose your investment to damage. Find the classic car insurance you need with the help of Meiners Insurance, serving Avon Lake, OH. 

Does Customization Alter Classic Car Insurance?

Posted on by admin

Car insurance is designed to provide you with coverage in the event that your car is damaged or totaled. If you have classic car insurance, however, your main goal is to make sure that your stored investment is covered. It’s not a car that you drive around regularly, and you’re getting classic car insurance in order to protect your investment. So, if you should make changes to your car like customizing it or otherwise modifying it, will it change your car insurance as significantly as it would when you’re making such changes to a regular vehicle? Let’s look at what customization might do to your policy, how to navigate it, and how to cover your classic cars with our support at Meiners Insurance, serving Avon Lake, OH. 

What You Should Know About Classic Car Customization

As with customizing your average vehicle, making any modifications to a classic car will impact your classic car insurance. Your classic car already needs specialized coverage because of its value and because of the repair costs associated with any potential damage. If you modify a classic car, you can potentially increase the value significantly and make it more expensive to repair should it get damaged while it’s in storage. Consider any potential modifications extensively to ensure that it’s the right move for you. If you do intend on making any modifications, make sure that you let your classic car insurance provider know about these changes. This will prevent any complications, such as claim denials, in the future. 

Protect Your Auto Investments With Meiners Insurance

Don’t lose your investments to damage. Find the classic car insurance you need with our help at Meiners Insurance, serving Avon Lake, OH. Give us a call today. 

Does Recreational Insurance Cover Shoreline Injuries?

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Whether your recreational insurance covers shoreline injuries depends on where and how the accident happened. Many policies cover injuries sustained while using a covered watercraft, but coverage can get murky once you step off the vessel. Understanding the limits of your policy through Meiners Insurance, serving Avon Lake, OH, before heading to the water helps prevent expensive surprises later.

Where the Accident Happens Matters

Recreational insurance typically follows the insured equipment, like a boat, jet ski, or similar vehicle. If you’re injured while boarding, exiting, or riding, you’re usually protected under your policy’s medical payments or liability coverage. However, once you’re on land, such as a dock, beach, or rocky shoreline, the situation changes. Those areas are often considered outside the policy’s defined “navigational territory,” meaning coverage might not apply unless explicitly stated.

How the Accident Happens Matters

Every recreational policy is different. Some extend limited coverage to incidents that occur immediately near the water, while others restrict it to injuries that happen on or directly because of the vessel. For example, slipping on a wet dock after unloading gear could be covered, or not, depending on how your insurer defines proximity to operation. It all comes down to how “use” of the insured craft is interpreted in your agreement.

Reducing the Risk

Before your next trip, read the fine print or ask your agent to clarify how shoreline injuries are handled. Supplemental policies can fill the gaps, especially for frequent boaters who load and unload passengers in variable terrain. Safety measures, like sturdy footwear, clear signage, and stable docks, also help prevent incidents that might test your policy’s limits.

The best protection comes from knowing your coverage boundaries before you untie from the dock. That way, if something goes wrong, you’re not left stranded by the fine print. At Meiners Insurance, serving Avon Lake, OH, we want to make sure your water recreation experience is a positive one. Contact us to learn more!

What Is the Benefit of Renters Insurance for Your New Apartment?

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When you’re renting an apartment, it’s important to have insurance that can help you recover from loss. This is why many renters turn to Meiners Insurance, servicing Avon Lake, OH.

Many people lack the money it would take to replace all of their belongings after a disaster. If this describes you, then you could benefit from renters insurance. If you have questions about renters insurance and would like to know more, we can help. We work with many insurance carriers to ensure that our customers have options, and we can help you choose the best insurance policy for your needs. 

What Is Renters Insurance?

Renters insurance is a type of insurance that can pay to repair or replace your belongings (minus the cost of the deductible) after a covered event occurs. Renters insurance typically covers disasters like fires, theft, burglary, and vandalism. Every insurance policy is different. For a full list of what is covered, talk to your insurance agent. 

Why Get Renters Insurance for a New Apartment?

Renters insurance is there when the unexpected happens. There are many reasons to consider renters insurance for your new apartment, including:

  • Renters insurance can help repair or replace damaged belongings after a covered event.
  • Renters insurance can pay for you to live elsewhere if you need to move out during the repairs. 

Will My Landlord’s Insurance Cover My Belongings?

Typically, the landlord’s insurance policy will not pay to repair or replace tenant belongings. If your apartment is affected by a covered event, you’ll need your own insurance policy during the recovery.

Contact Us for Renters Insurance

If you want renters insurance, the professionals at Meiners Insurance, serving Avon Lake, OH, can help. Call today to speak with one of our insurance professionals. 

Do I Need Separate Insurance for My Fifth Wheel RV?

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The freedom of traveling on the open road can be exhilarating, and having access to the comfort and convenience of a fifth wheel RV can make your travel experience even more enjoyable. Before setting off on a getaway, it’s essential to ensure your fifth wheel has the proper insurance coverage in place. Meiners Insurance agents can assist owners in Avon Lake, OH with obtaining a separate RV insurance policy to safeguard their recreational vehicle.

Why Get a Separate Insurance Policy?

Whether you already own a fifth wheel or are in the process of purchasing one, it’s important to have insurance that protects your investment. New RV owners joining the RV community sometimes mistakenly believe their standard auto insurance covers their motorhome in all situations.

When you speak with one of our agents, we will explain what your auto insurance covers and why a separate RV policy for your fifth wheel is beneficial. Generally, your auto insurance liability coverage handles damage or injuries you may cause while towing your fifth wheel. However, it does not cover damage to your motorhome.

A separate RV insurance policy ensures your fifth wheel is protected from damage caused by collisions, theft, or other events. Items inside the fifth wheel, such as appliances and personal belongings, may also be covered. Additionally, the policy may include total loss replacement coverage.

Contact Meiners Insurance

With one call, our team at Meiners Insurance will ensure the fifth wheel community in Avon Lake, OH is properly insured, so you can start planning your next vacation itinerary without worry. Let us help you get your fifth wheel road-ready so that you can head to your next destination with confidence.

Understanding Wreck Removal and Environmental Damage Coverage

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Owning a boat offers incredible freedom, sunny days on the water, fishing trips, and weekend getaways. However, with that freedom comes responsibility, especially when it comes to handling unexpected situations. At Meiners Insurance in Avon Lake, OH, we help boaters understand the importance of coverage that goes beyond collisions, including wreck removal and environmental damage protection.

Wreck Removal: More Than Just Towing

If your boat sinks or sustains serious damage, removing it from the water isn’t as simple as calling for a tow. Wreck removal can be a complex and costly process, especially in deeper waters or protected areas. Many marinas and waterways require the boat owner to cover removal expenses, regardless of who is at fault.

Wreck removal coverage helps pay for the recovery and cleanup of your vessel if it becomes a hazard or obstructs navigation. Without this coverage, you could face thousands of dollars in removal costs, in addition to repair or replacement expenses.

Environmental Damage: Protecting More Than Just Your Boat

Accidents on the water can sometimes result in fuel leaks or other forms of pollution. If your boat causes environmental damage, you may be held liable for cleanup costs. Environmental damage coverage helps cover the expenses of containing and cleaning spills, as well as any fines or legal fees that may arise.

At Meiners Insurance in Avon Lake, OH, we believe that comprehensive protection should be a standard part of every policy. If you’re unsure whether your current boat insurance includes wreck removal or environmental damage protection, contact us today. We’ll help you explore your options and ensure you’re fully covered, so you can enjoy the water with confidence.

What Motorcycle Insurance Covers Beyond Accidents

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When most people think about motorcycle insurance, the first thing that comes to mind is accident coverage. While that’s undoubtedly a major component, a good motorcycle insurance policy offers much more. At Meiners Insurance in Avon Lake, OH, we often receive questions about additional coverage options, and the answers might surprise you.

Theft and Vandalism Protection

Motorcycles are often easier targets for theft than cars. A comprehensive motorcycle insurance policy can help protect you if your bike is stolen or vandalized. Even if you store your motorcycle securely, it’s reassuring to know that coverage is available in case someone tampers with your ride.

Weather and Natural Disasters

Ohio weather can be unpredictable, and storms don’t always give you time to prepare. Motorcycle insurance can help cover damage caused by hail, flooding, wind, and even fallen branches. If your bike is caught in a severe storm or extreme weather, you won’t be left paying out of pocket for repairs.

Gear and Accessories Coverage

Your helmet, riding gear, saddlebags, and custom parts are valuable investments — and they’re just as important as the bike itself. Many motorcycle insurance policies offer additional coverage for your gear, which can be a lifesaver if these items are damaged or stolen.

Peace of Mind Off the Road

Even when your motorcycle is parked, insurance coverage remains important. From fire damage in the garage to unexpected events during storage, having the right policy ensures you’re protected around the clock, not just when you’re riding.

If you’re ready to explore motorcycle insurance that goes beyond accident coverage, Meiners Insurance in Avon Lake, OH is here to help. Contact us today to find the right protection for your bike and everything that comes with it.

How to Add to Your Liability Coverage With Umbrella Insurance

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When you own a home and a car, it’s important to have the right coverage for both. Specifically, you need home insurance and auto insurance to protect your property and finances. If you already have these policies, you can enhance your protection by adding an umbrella insurance policy. This additional coverage works in conjunction with your existing policies to provide enhanced financial security. To learn more about umbrella insurance, contact us at Meiners Insurance in Avon Lake, OH.

Enhanced Liability Coverage

Umbrella insurance is designed to add extra liability coverage to your home and auto insurance policies. It provides a substantial layer of protection, offering high maximum payouts to cover even the most expensive accidents. Without umbrella insurance, you may face overages—costs that remain after your home or auto insurance has reached its payout limit. Umbrella insurance steps in to cover these overages, ensuring you’re protected from financial hardship.

Covering Overages

Many home and auto insurance policies offer limited liability coverage, which can leave you vulnerable to significant overages after an accident. These overages can be substantial and difficult to manage. Umbrella insurance provides additional coverage, stepping in after your primary policies have paid out. This added protection can safeguard you from the financial risks associated with costly accidents.

Get Umbrella Insurance in Ohio

To ensure you’re better protected, it’s time to consider umbrella insurance. Contact us at Meiners Insurance in Avon Lake, OH, to learn more about this valuable coverage and get started with a policy today.

Does Condo Insurance Cover Roof Damage?

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Most condo owners in the Avon Lake, OH, area consider condo insurance essential. Condos present a unique situation because you own only a portion of a building instead of the entire building. Many people wonder if their condo insurance will cover structural damage, such as a damaged roof.

Condo Insurance Coverage

Most condo insurance policies do not cover structural damage to main areas, including the roof, or common areas, such as a community pool everyone in the building can use. Instead, insurance typically covers the interior of a condo. This may include:

  • Damage to walls and floors
  • Personal belongings
  • Damage to cabinets
  • Appliances, such as the fridge, stove, and dishwasher

It’s important to remember that policies often vary. Always speak with a professional agent at Meiners Insurance to determine what your policy covers.

Who Covers Roof Damage?

If your insurance policy doesn’t cover roof damage, who’s responsible for structural damage? Typically, a condo involves a condo association or homeowners’ association. This association usually has one policy covering structural components and possibly common areas.

Shared Expenses

The condo association’s master policy will have the same limitations as every homeowner’s insurance policy. For example, policies may exclude flood damage if there is no flood insurance. Some policies won’t cover common areas inside buildings, such as a shared gym area.

In these situations, many condo associations expect condo owners to contribute. They’ll often assess the total cost and ask everyone to pay an equal amount to cover the repairs. This usually makes owning a condo more affordable than a house because the expenses are shared.

We understand condo insurance differs from homeowners’ insurance in several ways. Professional representatives at Meiners Insurance can help you understand what’s covered under your policy. Contact us today to discuss more about condo ownership. We currently serve the Avon Lake, OH, area.

Our Carriers

  • Foremost
  • Hagerty
  • Guard
  • Liberty Mutual
  • Nationwide
  • Progressive
  • Safeco
  • Travelers