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Meiners Insurance

152 Lear Rd
Avon Lake, OH 44012

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Recreational Insurance – What to Do If Theft or Vandalism Occurs

Responding quickly is crucial after your recreational vehicle (RV) is stolen or vandalized. Here are some guidelines to safeguard your interests during the insurance claims process.

Understanding Your Coverage

Your insurance document contains the coverage details for your RV. The policy usually covers incidences such as theft, vandalism, break-ins, and other criminal acts. Therefore, acquainting yourself with your insurance policy will help you comprehend your coverage type.

The Claims Process

Familiarize yourself with the insurance claims process. You are responsible for promptly reporting any criminal activity, including robbery and vandalism, to your insurance agency. Swift reporting can help you recover your lost property and losses. For instance, if your RV was stolen, timely reporting increases the chances of it being recovered. Be ready to provide your agent with a precise description of the event.

Cooperative in Legal Matters

Collaborate with local law enforcement agencies. They play a critical role in accurately documenting the incident. Offer clear, concise information to aid the process. You may be contacted later if more information is required or if new developments occur in the case.

The Inspection Process

Post-incident inspections may occur, depending on the kind of crime involved. For example, in case of vandalism, an insurance adjuster may be assigned to evaluate the level of damage.

Contact Meiners Insurance

If you have any doubts or queries about filing an RV insurance claim, do not hesitate to contact a representative of Meiners Insurance. Our agents, serving Avon Lake, OH, are here to provide comprehensive answers to all your questions.

Four Surprising Benefits of Renters Insurance

Everything you own inside a space you rent is covered under a renters insurance policy. Whether you’ve had coverage in place for years or never thought about it, our team at Meiners Insurance in Avon Lake, OH, shares some lesser-known facts about renters insurance.

Coverage Is More Valuable Than You Think

You likely own more than you realize, and the typical two-bedroom rental holds an average of $20,000 in possessions, if not more. The cost of replacing electronics, furnishings, and kitchen gadgets can be expensive, but rental insurance can help with replacement costs.

Renters Insurance Moves With You

There’s no need to worry about lapses in coverage when you move. Renters insurance is in place, regardless of where you and your belongings are. The policy covers your items during shipment to a new location or when put in storage.

Your Protection Covers Neighbors Too

Your insurance will cover your losses if you live in an apartment or have nearby neighboring homes and are found liable for causing accidental damage to another unit or their property. Smoke, fire, leaking pipes, and other hazards can result in costly losses to both your place and those nearby. You likely wouldn’t want to have to reimburse occupants in the whole building for an accident.

Renters Insurance Covers Clumsiness

Being klutzy inside the home can cause accidents, and your policy covers injury or accidents to your friends, yourself, and others while in the house. Slipping on the stairs, falling, or even someone tossing a remote through the TV by accident (it happens!) It is reimbursable under your insurance.

If you rent a space, call Meiners Insurance in Avon Lake, OH, to get more information and have a personalized renters policy that will meet your needs.

What to Consider When Choosing an RV Storage Facility

When it comes to storing your RV, finding a location in the Avon Lake, OH area and surrounding communities should meet your standards for security and protection. Clients with Meiners Insurance consider the following four factors when they select a storage facility for their RVs. 

4 Factors to Consider When Choosing a Storage Facility

1. Fencing and Access

One of your biggest concerns when storing your RV is the safety and security of the facility you are renting. At a minimum, the storage area should have a fence so that the public cannot access your RV and limit the access inside the gate to other RV owners if it is stored in a large area. Access can be restricted by codes and IDs. 

2. Cameras

The best storage facilities will have camera footage onsite, allowing you and any other owner storing their property to access it in the event of a tragedy. Without camera footage, it can be hard to determine what happened to your RV and who may be responsible. 

3. Covered Units

While some RV storage facilities are out in the open, there are some that offer covered units that are private. These are ideal, as they keep your RV from getting extensive damage from the weather. Those that are left out through all the seasons start to wear down faster than those that are covered. 

4. Location

Finally, the best factor to consider when storing your RV is the location of the storage facility. Not only do you want it close to your home, but it also needs to be in an area where you can get out on the road easily. Any time you need to get to your RV, the location should be accessible. 

Reach Out To Us

If you would like a quote on RV insurance and you live in the Avon Lake, OH area, contact our team at Meiners Insurance today. 

What To Know About Insuring Your Boat for Winter Storage

Avon Lake is a terrific place to live, work, and play. Particularly if you are a boat owner. Especially if you own a boat, summers go by quickly in Northeast Ohio, but boaters seem to make the most of the season. Meiners Insurance serves the Avon Lake, OH area with boat insurance, including winter boat storage coverage.

Here’s what you should know about storing and insuring your boat for the off-season:

Boat Insurance May Be Required Year Around

This is particularly true if your boat is being financed. The finance company will want their risk to be covered against theft, vandalism, winter storms, and more.

Boat Insurance is Not Required in Ohio

With the exception of boats that are being financed, boat insurance is not required in the state. It is still a prudent step to take. Even in storage, your boat can suffer theft or damage from fire, weather, and more. Year-round coverage can protect your investment.

Properly Winterize and Store Your Boat

Boat insurance may not cover damage from freezing if they are not properly winterized or stored. Make sure your boat is prepared and secure.

How Your Boat is Stored Matters

Storing a boat indoors in a temperature-controlled building may be more expensive, but it can be better for the craft and cheaper to insure in the off-season.

Meiners Insurance Is Here To Help

If you own a boat, we encourage you to reach out to us at Meiners Insurance, serving the Avon Lake, OH area. Whether it is a fishing boat, ski boat, pontoon, or luxury yacht, we can help make sure you have appropriate coverage, including through the Ohio boat storage winter season. Contact us with your questions and for a free quote today.

Two-Wheeled Commuters: Navigating Insurance for Motorcycle Commuting

For motorcycle commuters, the open road is not just a means of travel but a way of life. Understanding the distinct insurance needs of these riders is paramount. Meiners Insurance, serving the greater Avon Lake, OH region, provides specific considerations for motorcycle commuters, encompassing coverage for riding gear, heightened mileage, and the unique risks encountered during daily commuting.

Tailored Coverage for Daily Riders

Commuting on two wheels introduces unique elements that demand specialized insurance coverage. Beyond standard liability and collision coverage, policies for motorcycle commuters should extend to protect riding gear. Helmets, jackets, and other protective equipment are essential for daily riders and should be safeguarded against damage or theft.

Increased mileage is a hallmark of daily commuting. As motorcycle commuters rack up more miles, their exposure to potential accidents rises. Comprehensive coverage that considers the heightened usage is essential, ensuring that riders are adequately protected on their daily journeys.

Navigating Unique Risks

Daily commuting poses distinctive risks for motorcycle riders, from navigating heavy traffic to contending with unpredictable weather conditions. Insurance policies should account for these specific challenges, offering coverage that aligns with the increased likelihood of accidents during routine commuting.

Navigating insurance for motorcycle commuting requires a nuanced approach. Tailored coverage for riding gear, acknowledgment of increased mileage, and addressing unique commuting risks form the foundation. By implementing safety measures and actively engaging with insurance providers, motorcycle commuters can not only enhance their coverage but also find avenues to lower premiums, ensuring a safer and more cost-effective journey on two wheels. If you’re looking for a new motorcycle insurance policy in the greater Avon Lake, OH region, reach out to us at Meiners Insurance today. 

On the Road to Safety: Why Transportation Firms Need Umbrella Insurance

Transportation companies in and around the Avon Lake, OH area are critical in keeping goods and people moving efficiently worldwide. Safety is a top priority, whether trucking, shipping, or logistics. While companies invest in various safety measures and insurance policies, there’s one additional layer of protection that can make a substantial difference in times of crisis – umbrella insurance.

Why Transportation Firms Need Umbrella Insurance

  • Protection Against Catastrophic Events: Transportation firms often face risks on a large scale. Commercial vehicle accidents can lead to significant damage, injuries, or even loss of life. When such catastrophic events occur, the costs can quickly surpass the limits of standard liability insurance. Umbrella insurance offers extra coverage to protect a company from potentially devastating financial losses.
  • Coverage for Legal Claims: Transportation firms are no strangers to legal claims. The legal costs can add up rapidly, whether it’s an accident involving a third party, contractual disputes, or employee-related lawsuits. Umbrella insurance can cover the legal expenses associated with these claims, ensuring the financial burden does not jeopardize the company’s operations.
  • Financial Security for Property Damage: In addition to the safety of human lives, transportation firms must consider the value of their vehicles and equipment. In an accident that causes significant property damage, umbrella insurance can help cover the costs of repairs or replacements, protecting the company’s assets.

Customized Policies for Transportation Firms

Umbrella insurance policies can be tailored to meet the specific needs and risks transportation companies face. The coverage amount can be adjusted to provide an appropriate safety net based on the company’s size and the scope of its operations.

Meiners Insurance Can Help You

At Meiners Insurance, we can help answer questions concerning umbrella insurance. We serve the Avon Lake, OH area. Contact us today. 

Four things you might not realize about condo insurance

Condo owners in Avon Lake, OH need to understand how condo insurance works. Meiners Insurance is here to provide you with the information you need to make the right decisions about condo insurance. 

The following are four things that you might not realize about condo insurance:

The master policy of your condo association won’t cover you for damage and liability issues within your unit.

The master policy of a condo association typically won’t cover liability damage expenses within individual units. It primarily focuses on common areas and the structural elements of the building. Unit owners are responsible for obtaining their own insurance to cover personal liability and property damage within their individual condos.

Condo insurance can include coverage for loss of use. 

Condo insurance can include loss of use coverage, which helps policyholders when their condo becomes uninhabitable due to a covered event like a fire or natural disaster. A condo insurance policy can assist with additional living expenses like temporary housing, meals, and transportation during the period of displacement. This helps ensure that policyholders can maintain their standard of living despite unforeseen disruptions.

Condo insurance covers personal belongings in your condo unit.

Condo insurance covers personal belongings within the policyholder’s unit, protecting items like furniture, electronics, clothing, and more from perils such as theft, fire, or damage. This coverage ensures that personal property is financially protected against unexpected events within the condo.

Condo insurance is typically required by lenders. 

Condo insurance is typically required by mortgage lenders to protect their financial interest in the property. It ensures that in case of damage or loss to the condo, the lender’s investment is protected, and the borrower can meet their financial obligations.

Consult With Us

Make sure you have adequate condo insurance coverage with our assistance at Meiners Insurance in Avon Lake, OH. Call us now to get a condo insurance policy quote!

Dangers of Compromising on Auto Insurance Coverage

A common mistake many drivers make when purchasing auto insurance is compromising coverage for the cost. This can result in less protection on the road. In the event of an accident, you may wind up paying more out-of-pocket due to a lack of coverage on your part. At Meiners Insurance in Avon Lake, OH, we customize our auto policies to suit your driving needs, so you can receive quality protection at a reasonable cost.

Here are some of the dangers of compromising on your auto coverage:

Insufficient Liability Protection

If you cause an accident that results in injury or vehicle damage to another driver, you’re responsible for paying their medical bills or vehicle repair costs. Liability insurance helps cover these expenses, so they don’t come out of your own pocket. Ohio requires that drivers purchase minimum liability coverage, which may not be enough to cover damages from a serious accident. By sticking to the bare liability minimum to reduce your premium, you could pay more in the long run if the damages exceed the limits of your policy.

Less Protection for Your Vehicle

Collision insurance covers damage to your vehicle in a collision. Comprehensive insurance covers vehicle theft and damage caused by adverse weather, fire, and vandalism. Both of these coverages are optional and forgoing them can save you money on your policy. If your car is damaged in a collision, however, or stolen, you’ll be responsible for its repair or replacement on your own.

In addition to the right type of coverage, you need accurate coverage with limits that will protect your assets in an accident. Poor auto insurance protection can quickly deplete your finances when accidents occur. 

Schedule A Consultation Today!

To get the right auto coverage to best suit your needs, give Meiners Insurance in Avon Lake, OH a call.

Why Ohio Businesses Thrive with Commercial Insurance

Running a business in Ohio can be challenging, rewarding, and unpredictable. Along with the complexities involved in marketing and understanding the buying signs and habits of your ideal customer protecting your business from financial loss is likely the most important step you can take in running your business. 

Licensed Insurance Agents at Meiners Insurance in Avon Lake, OH can help! 

How Your Business Can Thrive with Commercial Insurance

Commercial insurance can provide financial protection for businesses in the event of unexpected financial loss.

  • Ohio business owners benefit from having commercial insurance when they can easily recover from damages or loss with minimal impact on their day-to-day operations or their bottom line. 
  • Having commercial insurance helps Ohio business owners mitigate risks related to liability claims that can lead to exorbitant legal fees, settlements, or judgements against you or your business. 
  • Business owners can breathe a deep sigh of relief when they learn that most of these claims can be covered under their commercial insurance policies. 

Having peace of mind in managing the day-to-day operations of your business is one of the best benefits of commercial insurance.

Business insurance can help protect your company in the event of temporary shutdowns, liability claims, cyber theft, loss of inventory, property damage, and more!

We Can Help!

Talk to a commercial insurance expert at Mainers Insurance in Avon Lake, OH to learn about the best commercial insurance coverage options for your Ohio business. Licensed commercial insurance agents can answer your questions about commercial insurance, explain your available policy options, and provide you with a free quote. 

Don’t wait until it’s too late! Contact a licensed commercial insurance agent at Meiners Insurance to get a free quote and protect your business today! 

Key Factors When Considering Classic Car Insurance

For some folks, collecting classic cars is practically a way of life. Of course, classic cars can be quite expensive, and as a result, they’re serious investments. If a classic car should be damaged or stolen, it could cost owners a lot of their wealth. Fortunately, collectors can take out classic car insurance. If you’re considering insurance options, contact Meiners Insurance, serving the greater Avon Lake, OH community.

For now, let’s look at some key considerations when considering classic car insurance:

How Valuable Is the Vehicle?

This is perhaps the most obvious question. As values increase, so too do risks. If a 10-year-old family sedan worth $10,000 is destroyed in a tornado, the family loses $10,000 of their wealth. If a muscle car worth $100,000 gets destroyed, that family is out $100,000. The more valuable a car is, the greater the need for classic car insurance.

How Often Do You Plan to Drive Your Car?

The more time a car spends on the road, the more likely it will be damaged. If you keep your classic car in a garage or warehouse, the risks may be rather low. Likewise, you might normally leave your car parked but may take it to the occasional classic car show or use it for a quick road trip.

Whatever your use case, it’s important to consider how much time your car will spend on the road.

What Are the Biggest Risks in Your Area?

If you live in Arizona, you likely won’t have to worry about hurricanes. If you live in a flood zone in Mississippi, you may have to worry about hurricanes and flooding caused by other events. Likewise, you might live in an area with a high crime rate. If so, your car could get stolen or damaged.

The above list is far from exhaustive, and your classic car may be exposed to a variety of other threats. Fortunately, it’s possible to mitigate risks with a classic car insurance policy. Of course, different policies will cover and exclude different things, so make sure you read the fine print.

We Are Here To Help

Have questions regarding classic car insurance? Contact Meiners Insurance in Avon Lake, OH – we will be happy to help.

Our Carriers

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