How much auto insurance is enough

Posted on December 30, 2020December 30, 2020 by admin

Like many types of insurance, auto insurance is not one size fits all. Having an independent agent who knows you and your financial situation is vital for a perfect fit. Most states have minimum auto insurance requirements, but those minimum amounts aren’t right for everyone. At Meiners Insurance in Avon Lake, OH, we take the time to get to know our clients to make recommendations for coverage that makes sense.

In Ohio, it is illegal to drive a car without auto insurance, and as the owner, it is your responsibility to make sure if your vehicle is uninsured, no one drives it. The mandated amount of liability insurance is $25,000 for injuries for a single person with a max of $50,000 per accident. Property damage is also $25,000. While this may sound like a lot of money, given the expense of hospital stays and automobiles, it is very limited. If your insurance is not adequate to pay all the medical bills or lost wages, you are responsible for covering the additional amount. Making sure you have more than basic liability is worth discussing with your insurance agent.

If your vehicle is necessary for your life, you need to make sure if you are in an accident and are responsible, your vehicle will be repaired. This means having collision insurance. But car accidents aren’t the only thing that can damage your car. A storm or a fire could damage your vehicle. It could get stolen. Comprehensive insurance protects you from these types of damage as well as providing glass coverage. When you need your vehicle every day, you need enough auto insurance.

Contact Meiners Insurance in Avon Lake, OH if you are in the market for auto insurance or you need to make some changes to the coverage you have.

Why You Need Commercial Insurance

Posted on November 30, 2020November 30, 2020 by admin

If you’re a business owner in Avon Lake, OH, then it’s absolutely crucial that you not only understand how commercial insurance works but that you have commercial insurance yourself. If you’re wondering what commercial insurance is, then read on to learn the in’s and out’s of commercial insurance basics and how you can protect your business. Then, get a consultation with Meiners Insurance to find the right coverage policy for you.

What Does Commercial Insurance Cover?

Commercial insurance provides financial protection for you and your business’s property, reputation, and employees. Here are some areas in which commercial insurance can provide coverage:

Liability
Property damage
The damage was done to another business.
Injury to an employee while on the property
Legal fees for lawyers and libel

These are just some of the areas in which commercial insurance can provide coverage. The specific type of commercial insurance coverage and the amount of coverage you will receive will depend on the policy you choose. To find the right coverage policy for you, visit Meiners Insurance for a consultation.

Why Is Commercial Insurance Important?

Commercial insurance is necessary if you want to keep your business going for a long time. Not only do you get financial coverage for your business through commercial insurance, but you also are provided with peace of mind for your employees, who are so vital to your business. It’s important for you to protect your greatest achievement since you put everything you have into creating it. Having that coverage can save you from worrying about how your business will recover, so you can focus only on how your business will thrive.

Get Protected with Meiners Insurance

When it’s time to get the right coverage policy for your business, visit Meiners Insurance for a consultation. Our office proudly serves the Avon Lake, OH area.

Does Homeowners Insurance Cover Damage Done By Pets?

Posted on October 16, 2020October 16, 2020 by admin

You love your pet. But what happens when you come home and find your sofa destroyed or a door chewed apart by your furry friend? Here’s what you need to know about pet damage and its relation to your Avon Lake, OH homeowners insurance policy.

Damage Done to Your Property By a Pet is Typically Not Covered

In most cases, damage done to your property by a pet you own is typically not covered. In the eyes of the insurance industry, pets are seen as property. So, essentially, your dog eating through the pipes in your basement or causing damage to the drywall is the same as something you own doing damage to something else you own. In the end, most carriers do not see this as a covered loss.

What About Damage Done to Someone Else’s Property?

In certain extreme circumstances, there might be coverage for damage done by your pet to someone else’s property. For example, if your pet breaks out of the backyard and destroys the neighbor’s expensive patio set, this might be covered.

This goes both ways. If the problem starter is Aunt Bertha’s beloved canine companion and she’s just visiting for the holidays, there’s a good chance her homeowner’s insurance company might have to pay for the damage to your sofa. Of course, filing a claim with our Meiners Insurance team might make Thanksgiving dinner a little awkward for all parties involved. Yikes!

It All Comes Down to Carrier Terminology

In the end, whether to cover pet damage or not all comes down to your individual insurance carrier. If you find yourself in this situation, it is always better to contact your Avon Lake, OH insurance agent for guidance.

Ready to learn about how homeowners insurance can help you protect your family against the unexpected? Please contact our Meiners Insurance team today to schedule an appointment.

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