Veteran Owned|50+ Carriers|30+ Years|Serving All of Ohio(614) 203-2269|Mon–Fri 9AM–6PM
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FAQ

Insurance FAQ: Common Questions Answered

Quick answers to the questions Ohio drivers, homeowners, families and seniors ask us most.

Why use an independent insurance agency?

An independent agency represents multiple carriers, so we can compare coverage and price for you instead of offering only one company's products.

How many carriers do you work with?

More than 50, including Nationwide, Foremost, Grange, Travelers, Mutual of Omaha, Aetna, Humana, Anthem BCBS, GEICO, Progressive, The Hartford and State Auto.

Does it cost more to buy through an agent?

No. Premiums are set by the carrier and are generally the same whether you buy directly or through us, and you gain a licensed advocate.

How do I get a quote?

Click any "I would like a quote" button, fill out the short form, and we will prepare options and contact you at your preferred time. You can also call (614) 203-2269.

What are Ohio's minimum auto insurance limits?

Ohio requires at least $25,000 per person / $50,000 per accident for bodily injury and $25,000 per accident for property damage (25/50/25).

Does homeowners insurance cover floods?

No. Flood requires a separate policy through the National Flood Insurance Program or a private flood insurer.

What is the difference between term and whole life insurance?

Term covers a set number of years at a lower cost. Whole life covers your entire life and builds cash value at a higher premium.

When can I switch Medicare plans?

Most people can change plans during the Annual Enrollment Period from October 15 to December 7, and some may qualify for other enrollment periods.

Can you help if I have had tickets, accidents or a lapse in coverage?

Often yes. We work with carriers that specialize in a range of driving records and can help with SR-22 filings.

Where are you located and what are your hours?

We are at 100 E Wilson Bridge Rd, Worthington, OH 43085, open Monday through Friday from 9:00 AM to 6:00 PM, and we serve clients throughout Ohio.

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