Auto Insurance for Older Folks: What to Know

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Insuran LLC knows that getting older is never easy, especially if you want to keep driving. Unfortunately, Central Ohio seniors may find their insurance changing as they age—not a good feeling. You can protect yourself in various ways to keep your policies strong.

Your Policies May Change a Little

From around age 25 to 69, your policies should stay pretty reasonable and offer extensive protection that keeps you safe. However, that changes once you hit your 70s. At this point, your provider may start contacting you more and asking some tough questions about your health.

Or you might see your coverage change in subtle ways over the years. These changes (typically minor) can become rather frustrating for drivers, especially older ones with tons of experience on the road. Thankfully, there are ways you can protect yourself and keep great coverage for years to come.

Ways to Protect Yourself

Follow these steps to keep your insurance strong:

  • Take a driving safety course to show your insurance provider you’re serious about protection
  • Avoid accidents and stay safe on the road (naturally decreases your policy with time)
  • Upgrade your vehicle regularly to improve its safety (such as better airbags, brakes, etc)
  • Bundle multiple vehicles or other coverage types into one policy to keep it expansive
  • Relocate to a state with better protection options (though Ohio is really solid here)
  • Pay your policy in one lump sum to impress your provider and avoid changes

You Deserve Great Policies

If you’re an older driver concerned about your insurance, our team at Insuran LLC is here for you! We serve Central Ohio and will do whatever we can to help you. Call us, set an appointment, and work directly with our agents to learn more about high-quality protection at reasonable prices.

Does the Type of Commercial Insurance Products You Need Differ Based on the Size Of Your Business?

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Owning a business involves taking on various risks, and having the right commercial insurance is key to protecting your company. But does the size of your business impact the type of coverage you need? Absolutely. At Insuran LLC in Central Ohio, we work with businesses of all sizes to ensure they have the proper protection in place.

Small Businesses: Covering the Basics

For small business owners, insurance needs are often straightforward. General liability insurance is an essential starting point, protecting against claims related to bodily injury or property damage. Many small businesses benefit from a business owner’s policy, also known as a BOP. A BOP combines your general liability and commercial property insurance into one plan.

If you have employees, workers’ compensation insurance is another must-have. Even in a low-risk environment, workplace injuries can happen, and having coverage ensures compliance with state laws.

Mid-Sized Businesses: Expanding Protection

As your business grows, so do your risks. If handling sensitive customer or financial data, a mid-sized company may need higher coverage limits, commercial auto insurance, or cyber liability insurance. Employment practices liability insurance (EPLI) can also be valuable to protect against employee-related claims, such as wrongful termination or discrimination lawsuits.

Large Enterprises: Managing Complex Risks

Larger businesses often require more specialized coverage. This can include directors and officers (D&O) insurance, product liability insurance, or industry-specific policies tailored to unique risks. A comprehensive risk management strategy becomes critical with multiple locations, employees, and assets.

Having the right insurance coverage is essential. Insuran LLC in Central Ohio is here to help you find the best policies to safeguard your company. Contact us today to discuss your needs and get personalized coverage options.

What Types of Structures Aside From Your Home Might Home Insurance Cover?

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When you think about home insurance, you probably picture your house itself—the walls, roof, and everything inside. But did you know your policy might also cover other structures on your property? At Insuran LLC, proudly providing home insurance to homeowners throughout Central Ohio, we believe it’s important to understand exactly what your home insurance protects so you can feel confident about your coverage.

Other Structures on Your Property

Most standard home insurance policies include coverage for "other structures" on your property, which are separate from your main house. These might consist of detached garages, sheds, fences, gazebos, or even a backyard workshop. Essentially, any structure that isn’t directly connected to your home falls into this category.

For example, if a storm knocks over a tree and damages your fence or your shed is vandalized, your home insurance policy may help cover the repair or replacement costs. However, the amount of coverage for these structures is typically a percentage of your home’s insured value—often around 10%.

What’s Not Covered?

It’s important to note that not all structures may be covered under your standard policy. For instance, you may need additional coverage if you use a detached building for business purposes, like running a workshop or storing inventory. Always review your policy and discuss your specific needs with an insurance professional.

Protect Your Entire Property

Your home is more than just the house itself—it’s everything that makes your property feel like home. Suppose you have questions about what your policy covers or want to explore additional protection, contact Insuran LLC, serving the greater Central Ohio region. Our team is here to help ensure every part of your property is fully protected.

Types of Valuation Used in Auto Insurance

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Your Insuran LLC auto insurance policy can utilize three different types of vehicle valuation in its comprehensive and collision coverage. Understanding these valuation methods can help you make informed decisions when shopping for auto policies in Central Ohio. Let’s begin by defining valuation.

Understanding Valuation

In any property insurance, the policy determines the value of the insured item. In the context of auto insurance, valuation refers to the value of your vehicle. An auto insurance policy can use any of the following:

  • Agreed-upon value
  • Stated value
  • Actual cash value.

You get to choose which type of valuation is included in your auto policy.

The Importance of Valuation

The type of valuation you choose determines the amount you would receive if your vehicle is totaled in an accident. If you opt for an agreed-upon value, you and the insurance company negotiate the value of the vehicle based on your purchase and maintenance records. If you’ve restored an older vehicle to like-new condition, the agreed-upon value reflects that. Stated value reflects the value you can substantiate, such as when you provide the purchase records of a newly bought automobile. The insurance company refers to the Kelley Blue Book when a policy uses actual cash value. This automotive value guide provides the current depreciated value of every make and model of vehicle.

Updating Your Policy

Only an agreed-upon value allows you any input in valuing your vehicle. Stated and actual value use documented records to determine the vehicle’s value. Check your policy to find out which valuation method it uses. If it provides a depreciated value for your vehicle, contact Insuran LLC to update your auto insurance before you hit the roads of Central Ohio.

How Commercial Insurance Helps Foster Trust With Clients and Partners

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In the business world, trust is paramount. At Insuran LLC in Central Ohio, we understand that having the right commercial insurance can be a game-changer in building trust with your clients and partners. This blog post will explore why it matters and how it can benefit your business.

Building Confidence

Having insurance for your business communicates to your clients that you are serious and reliable. It provides them with peace of mind, knowing that if something goes wrong, you are prepared to handle it. This reassurance makes clients more likely to choose and stick with your services.

Strengthening Partnerships

Knowing that you are insured reduces partners’ risk and builds confidence in your collaborations. It shows that you care about protecting not just your business but theirs, too. This mutual trust can lead to stronger, long-term partnerships. When partners see that you have safeguards in place, they are more willing to invest time and resources into joint ventures.

Enhancing Reputation

An insured business often enjoys a better reputation. People talk about companies that prioritize safety and responsibility. This positive buzz can set you apart and give you an edge in your industry. A strong reputation built on trust and reliability can attract new clients and partners.

Preparing for the Unexpected

Insurance helps you handle surprises, ensuring your business keeps running smoothly. This readiness shows clients and partners that you’re resilient and dependable, further solidifying their trust in you. Being prepared for the unexpected protects your assets and demonstrates your proactive approach to business management.

At Insuran LLC in Central Ohio, we are here to support your business with insurance solutions. It’s about more than just coverage; it’s about building lasting relationships based on trust and reliability. Contact us today to see how we can help you succeed.

What does it mean to mitigate damages in a homeowners insurance claim?

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Discovering damage to your home can be a stressful experience. Once you identify the damage, you need to consider several factors and complete a few tasks. The ultimate goal is to restore your home to its best condition as quickly as possible.

If you have homeowners’ insurance, you need to alert them to the damage by filing a claim. Document the damage by taking pictures and videos. After that, your next task will likely be to mitigate the damages.

Securing the Property

The simplest way to describe what it means to mitigate damages to your Central Ohio property is to secure it. The goal of mitigation is to prevent the damage from worsening. This could mean boarding up a broken window to protect the home from further damage due to rain or vandalism.

Putting Safety First

You should only attempt to mitigate the damage if it’s safe to do so. For instance, you can usually cover a damaged roof with a tarp. However, this won’t be safe if there’s a downed power line in the work area. Always prioritize your personal safety, and don’t hesitate to contact your insurance agent if you need assistance mitigating the damage.

Homeowners Insurance is Here to Help

Navigating a homeowners’ insurance claim can seem daunting. Our professionals at Insuran LLC are here to help our policyholders understand their coverage and learn how to utilize it when necessary. Contact us today if you need to obtain a new policy or have questions about your current policy with us.

Ohio Road Trips: Some of The Buckeye States Best Biking Trails

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Ohio, also known as the Buckeye State, offers countless scenic routes, making it a perfect destination for weekend road trips. At Insuran LLC of Central Ohio, we’re committed to ensuring that your vehicle is adequately insured for every mile traveled.

For those who enjoy being on the road, consider exploring some of the many rail-to-trails bike and hiking paths scattered across Ohio. Below, we’ve highlighted a few of the most captivating trails.

Mt. Vernon

This remarkable trail weaves through the picturesque countryside of Knox County, commencing from Mt. Vernon, passing through Gambier, encompassing the Kenyon College campus, and stretching up to Danville. Along the route, you’ll encounter various wildlife, such as chipmunks, squirrels, and possibly even an eagle. Enjoy diverse scenery, from river views and rolling farmland to a vintage train.

Loveland

This charming town in Southwest Ohio hosts a section of the Little Miami Bike Trail. From here, you can venture south towards the Ohio River or head north as far as your legs will allow. This picturesque trail runs along the Miami River, offering views of kayakers and fishermen. A largely shaded trail, it’s perfect for summer outings or for enjoying the vibrant fall colors.

Lexington

Spanning from Mansfield through Lexington and into Bellevue and Butler, this trail offers a bit of everything. It starts with more urban settings in Mansfield and progresses to small-town Lexington. Enjoy the curving path under Route 42 in Lexington, and a journey under Interstate 71. The landscape flourishes with densely wooded areas and open farmland, where you may even spot a deer or two.

Get a Price Quote Today

Load up your bike, rent one, or slip on your walking shoes to explore these captivating trails for a memorable day out. In the meantime, we invite you to get a car insurance quote from Central Ohio’s Insuran LLC. We’re here to help you find an insurance solution that best suits your budget.

We look forward to serving you.

How Can I Get Business Interruption Insurance?

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Businesses require the right conditions to operate effectively. When a disaster strikes your business space, conducting normal work and servicing customers may become nearly impossible. This is when business interruption insurance proves vital. The professionals at Insuran LLC, servicing Central Ohio, can assist. We offer business interruption insurance to aid businesses during the recovery following a covered event.

What Is Business Interruption Insurance?

Business interruption insurance is a policy that can help replace income following a covered loss. For instance, if a fire damages your building and your business has to shut down for repairs, business interruption insurance can help substitute the lost income during the renovations.

Who Needs Business Interruption Insurance?

Most businesses can benefit from business interruption insurance. Suppose you can envisage a scenario wherein your business could be shut down for a while due to a loss of workspace or other covered event. In that case, you might benefit from business interruption insurance. Your insurance agent can advise on whether business interruption insurance might benefit you and, if so, how much coverage you need.

How Can I Get Business Interruption Insurance?

To secure business interruption insurance, talk with your insurance agent. It might already be incorporated into your commercial insurance package. If not, your insurance agent can converse about how much coverage is necessary. If you don’t yet have an insurance agent, opt for an agent that provides prompt, accurate answers to your questions and encompasses good customer service.

At Insuran LLC, servicing Central Ohio, we help our customers find the perfect type of commercial insurance to satisfy their needs. If you believe your business could benefit from commercial insurance, contact us, and we can assist you.

How to Adjust Home Insurance Coverage After Home Renovations

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Home renovations can greatly enhance your quality of life and comfort. Additionally, the right renovations can significantly increase your property’s market value. If you’re a homeowner in Central Ohio planning some renovations, it’s prudent to carefully select improvements and ensure that you update your home insurance policy once the work is finished.

Reasons to Update Home Insurance Coverage After Renovations

As renovations directly impact your property’s market value, updating your policy’s coverage limits is essential. This ensures you’ll receive enough compensation to rebuild your home thoroughly, should the need arise.

Most home insurance policies do not cover additional structures on your premises. Therefore, if you build a pool, add a fence, construct a gazebo, erect a detached garage, etc., you should update your policy accordingly. Also, if a pool is added, you’ll want to increase your liability coverage, as a pool can increase the probability of an accident on your property.

Policy Updating Process

Retain all paperwork related to your home renovation work. Your insurer will want to see contractor receipts as well as evidence of the work done on your home. It’s worth noting that your insurer may request a new appraisal of your home to assess its value accurately.

Home Insurance from Insuran LLC

Anytime you review your home insurance policy, it’s also a good opportunity to reconsider your coverage to ensure that you’re getting the best deal. If you’re interested in exploring your options, Insuran LLC offers homeowners in Central Ohio a variety of policies and excellent deals. Contact us to learn how we can assist you in finding the ideal policy for your unique circumstances.

Does my auto insurance cover business travel?

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Insuran LLC offers a range of auto insurance products to Central Ohio residents, and we want to help you choose the best one for your needs. The right insurance policy can provide coverage for your typical driving situation.

Personal Auto Insurance

An auto insurance policy provides coverage for pleasure driving. If an individual occasionally uses their vehicle for business – for instance, driving to an out-of-town conference, their policy typically covers this. A personal auto insurance policy will cover an individual as long as their everyday driving consists of commuting to and from work, running errands, and driving for personal reasons.

When You Need Commercial Auto Insurance

Those who use their vehicle daily for business purposes, outside of their regular commute, should consider purchasing commercial auto insurance. Personal auto policies typically do not cover commercial activities such as cake deliveries or dry cleaning pickup. Using a vehicle for business purposes under a personal auto insurance policy can be risky – if an accident occurs, you may find that your insurance does not provide coverage.

How Your Insurance Agent Can Help

Our Insuran LLC insurance agents are here to help you decide which auto insurance coverage is right for you. If your driving needs have changed, we invite you to request an insurance review. Our agents will guide you through a series of questions to determine which options provide the best protection for you. We then provide a quote for coverage. Please note that your current insurance will remain in effect throughout this process, ensuring continuous coverage for the personal use of your vehicle.

Depending on your needs, you may require both personal and commercial auto insurance policies to be fully covered while driving in Central Ohio and beyond. We will do our best to help you maintain a policy with an affordable premium while ensuring you’re fully covered. Contact us today for more information.