Customizing Boat Insurance for Jet Ski and Watercraft Owners

Posted on January 24, 2025January 21, 2025 by admin

Whether you’re enjoying a leisurely ride on the waters of Nimisila Reservoir or an adrenaline-fueled jet ski adventure on Portage Lakes, ensuring you have adequate insurance to protect your watercraft is essential for local jet ski owners.

Let Ken Boldt Insurance Agency II Inc. experts in Green, Ohio, guide you through tailoring boat or watercraft insurance to cover your jet ski.

Creating a Custom Watercraft Policy in Ohio

Local jet ski owners have several options for insuring themselves, their watercraft, and other passengers on local waterways. The most basic insurance protection includes liability insurance, which helps protect policyholders from financial and legal damages associated with at-fault jet ski accidents.

Liability insurance offers an initial layer of protection that can be extended to cover your vessel and water-based emergencies when you opt for comprehensive or collision Coverage.

Collision Coverage is a type of watercraft insurance that helps pay for repairing or replacing your watercraft if it’s damaged in an accident, regardless of who is at fault. This extension of liability insurance provides peace of mind for jet ski owners who want to protect their vessel from total financial loss.

Comprehensive Coverage provides solutions for water-based collisions and non-collision-related incidents that could otherwise lead to substantial out-of-pocket expenses. This full-service protection covers non-collision-related events such as theft, vandalism, natural disasters, and other covered perils.

Speak with a trusted local insurance agent to learn more about the rules and regulations for boating on local waterways and determine which insurance protections are best for you.

Our knowledgeable and friendly agents can offer advice and provide you with a customized watercraft insurance quote when you contact Ken Boldt Insurance Agency II Inc. today!

How Umbrella Insurance Helps Rental Property Owners

Posted on December 23, 2024December 18, 2024 by admin

Protecting your rental property and other assets is vital for property owners. In addition to the landlord insurance needed to protect your rental properties, many property owners supplement their landlord insurance with easy-to-obtain umbrella insurance to provide an extra layer of protection. Our Ken Boldt Insurance Agency II Inc. team, serving Green, OH, can help structure coverage to best meet your rental property owner insurance needs.

Landlord and Umbrella Insurance

Landlord insurance is comparable to many home policies in that it covers:

– Damage to the property resulting from fire, vandalism, and other covered perils

– Appliances and other non-dwelling assets at the rental property

– Medical payments and personal liability for injuries related to the property

Landlord insurance has coverage limits that apply to the liability portion of landlord policies. If you are liable for an amount exceeding your landlord’s policy limits, umbrella insurance supplements it and pays the remaining liability up to the umbrella policy’s limits. Umbrella insurance is seldom activated but helps avoid financial catastrophe when it applies.

Umbrella insurance also provides advantages for people who own property in multiple states. Rental property owners often gain some protection by forming LLCs or legal entities in each state. However, the process requires time and money, while acquiring umbrella insurance that covers multiple properties is simple and quick.

Your choices regarding insurance for your rental properties will depend on your situation and risk tolerance. Still, discussing your needs with a skilled and experienced agent who can help you make the appropriate decision can be very helpful.

Working with Ken Boldt Insurance Agency II Inc.

The Ken Boldt Insurance Agency II Inc. team serves Green, OH, and has years of experience helping rental property owners protect their assets. Call (330) 896-1500 to discuss your options.

How Often Should I Review My Condo Insurance?

Posted on November 20, 2024November 19, 2024 by admin

Your condo insurance policy offers financial protection when covered events occur. Under these circumstances, having condo insurance can help you save money when your belongings are damaged or destroyed. Your condo insurance policy only covers a certain amount.

Inflation can make it harder to cover the cost of repairing and replacing what you own if your insurance policy isn’t updated periodically. At Ken Boldt Insurance Agency II Inc., servicing Green, OH, we can help. We help our clients review their policies as needed and can help you, too. Below is what you should know about reviewing your condo insurance policy.

Why Should You Review Your Condo Insurance?

You should review your condo insurance to ensure its maximum limits are high enough to repair or replace everything you own if a covered event occurs. You might have spent $100 buying your television many years ago, but today, if your television needs to be replaced, you might spend a lot more. These cost changes can mean that your condo insurance policy needs to be updated to keep up with these costs.

How Do You Review Your Condo Insurance?

Review your condo insurance by reviewing your policy and determining whether the coverage amounts are adequate with today’s pricing. If you struggle with this, your insurance agent can help you with it.

How Often Should You Review Your Condo Insurance?

Review your condo insurance policy once per year. It’s best to do it at the same time every year to avoid forgetting. At Ken Boldt Insurance Agency II Inc., servicing Green, OH, we can help. Call us to go over your policy and determine whether it needs to be updated.

How Auto Insurance Helps Protect You from Lawsuits

Posted on October 21, 2024October 16, 2024 by admin

While we all hope for a smooth journey on the road, accidents can occur. When they do, having the right insurance can make a significant difference. At Ken Boldt Insurance Agency II Inc. in Green, OH, we understand the importance of protection against potential lawsuits.

Deciphering Liability Coverage

Liability coverage is a crucial part of auto insurance that protects you from financial hardship if you’re deemed responsible for an accident. This coverage handles the legal costs and any damages you’re obligated to pay up to your policy’s limits. Without it, you could find yourself paying out of pocket, which can be financially devastating.

Guarding Your Assets

Imagine being involved in a severe accident, and the other party decides to sue for damages. If your liability coverage is insufficient, your personal assets—like your home or savings—could be at risk. Auto insurance helps safeguard these assets by covering costs associated with legal claims.

Driving with Peace of Mind

Knowing you’re covered can provide peace of mind while driving. Auto insurance doesn’t just protect your finances; it also ensures that you have support when you need it most. Whether it’s dealing with legal fees or negotiating settlements, your insurance policy serves as a safety net.

Contact Us Today for More Information or To Get Started

At Ken Boldt Insurance Agency II Inc., we’re dedicated to providing auto insurance to residents in and around the greater community of Green, OH. We’re committed to helping you find the right coverage that suits your needs. Contact us today to learn how we can protect you from potential lawsuits and provide peace of mind on the road.

What’s the Difference Between a Commercial and Personal Auto Insurance Policy?

Posted on September 30, 2024September 24, 2024 by admin

Understanding Commercial Auto Insurance Requirements in Ohio

If you operate a business in or around Green, OH, you need to meet specific legal requirements when purchasing necessary commercial insurance policies, including commercial auto insurance.

Determining the Need for a Commercial Auto Insurance Policy

A commercial auto insurance policy becomes a necessity under specific conditions. You’ll require it if your business involves traveling to customers’ residences to deliver services, make sales, or make deliveries. Commercial auto insurance becomes crucial if your line of work entails frequent trips to local markets to sell your products. Additionally, if a part-time or full-time employee is expected to drive your vehicle, you must have a commercial policy in place.

Coverage Under Basic Commercial Auto Insurance

A basic commercial auto insurance policy provides similar coverage to personal auto insurance. The minimum policy requirements parallel those of personal auto insurance. However, without a commercial policy, your insurance provider won’t cover any damages if the vehicle is involved in an accident while being used for business purposes—even if the accident wasn’t your fault.

Commercial auto insurance does not cover injuries sustained by an employee driving your vehicle—a worker’s compensation insurance policy typically covers this. However, you can obtain other forms of commercial insurance to protect business tools and products that you transport in your vehicle.

Get In Touch with Ken Boldt Insurance Agency II Inc. For More Information

Ken Boldt Insurance Agency II Inc. offers a variety of commercial auto insurance policy options to business owners operating in the Green, OH area. You can opt for standalone commercial auto insurance or bundle it with other commercial insurance policy types. Feel free to reach out to us whenever it works best for you to gather more information or request policy quotes.

Home Security to Prevent Damage and Theft

Posted on August 30, 2024August 20, 2024 by admin

Your homeowner’s insurance policy protects your residence and its contents. In addition to keeping your insurance policy current, use measures to provide your residential property with adequate security.

Review Your Insurance

Review your existing insurance policy. Make sure that it covers all the items that you currently own. If you plan on making any investments in the future, you will likely want to add them to your existing policy. Your policy should cover any items of value. The value items should include structural materials, furnishings, decor, and personal possessions.

Security Assessment

Perform a security assessment. Adequate security will minimize the risk of damage and theft to your property and ward off the need to file an insurance claim.

Inspect your home and your property. Take note of any materials or personal possessions that are at risk of theft or damage. If you decide to upgrade how you store items, keep track of the modifications you have chosen. These modifications should be addressed when you are ready to upgrade your existing insurance policy.

Additional Security

Floodlights, motion detectors, smoke alarms, and a fire suppression system will help keep your property safe. It is in your best interest to install these items.

During your assessment, determine which parts of your property and home would benefit from the addition of security devices.

Agent Assistance

Contact one of our Ken Boldt Insurance Agency II Inc. representatives as soon as possible. An agent representing the Green, OH region will update your home insurance policy.

Do I Need Renters Insurance If My Landlord Has Insurance?

Posted on July 30, 2024July 23, 2024 by admin

A homeowner’s insurance policy is designed to safeguard your property in the event of theft or a disaster causing significant damage. It also includes other aspects, such as liability coverage. As a renter, it might seem unnecessary to invest in such insurance as you don’t specifically own the property. Moreover, if your landlord already owns an insurance policy, you may feel that’s enough protection. But is that actually the case? Let us at Ken Boldt Insurance Agency II Inc. help you unravel this complex issue and understand what coverage you need as a renter in Green, OH.

Is Renter’s Insurance Necessary If Your Landlord Is Already Insured? Yes

The landlord’s insurance is intended to protect the property the landlord owns. However, it doesn’t necessarily extend this protection to you as a renter. Your landlord’s insurance won’t cover situations such as personal injuries within your rental, theft or destruction of personal belongings, or additional expenses if you are forced to vacate your home. The landlord’s insurance is designed to safeguard the landlord, not the tenant. Hence, it would be best if you had renter’s insurance for comprehensive coverage, including protection against emergencies and coverage for all the belongings within your rental.

Looking for Renter’s Insurance? Partner with Ken Boldt Insurance Agency II Inc.

Are you looking for renter’s insurance that provides comprehensive protection? Ken Boldt Insurance Agency II Inc. in Green, Ohio, is prepared to help you identify a policy that suits your unique needs. You can compare quotes today or contact our team for additional support in your insurance journey.

Storing Your RV: Insurance Considerations for Seasonal Use

Posted on June 28, 2024June 24, 2024 by admin

Some tasks are more evident than others when it comes to storing your RV. When creating a maintenance checklist, you should include tasks such as disconnecting the propane and pest-proofing your camper. However, other tasks are equally essential. The team at Ken Boldt Insurance Agency II Inc. in Green, OH, has compiled the following tips to help you keep your RV road-ready while potentially saving on insurance costs.

Security Is a Top Priority

Anyone can attach their vehicle to your RV without a hitch lock and drive away. This scenario could potentially dampen your camping trip, cost you thousands of dollars in lost items, and cause the headache of filing an insurance claim. It’s advisable to periodically change the entry locks in your driveable RV to keep unauthorized individuals out of your traveling home while it’s in storage. Before storing your RV in a rental facility, check out online comments and consult with the BBB concerning the company’s reputation.

Check the Pantry, Freezer, and Refrigerator

Leftover food can cause foul odors, making your RV uninhabitable. Therefore, it is crucial to remove all food products before storing your RV for the off-season. This step is also a great way to avoid attracting hungry critters that may infest your vehicle in search of free treats. We recommend leaving the fridge and freezer open to air out before storage.

Prepare Your Batteries for Storage

If you own a driveable RV, you’ll need to store your chassis battery and house batteries in a secure location. Prepare the house batteries for long-term storage for RVs towed behind your vehicle. Disconnect the batteries and trickle charge them using 30/50 amp chargers, which are typically available at most storage facilities.

Check Your RV Insurance Policy

Before choosing a storage facility, ensure it meets the criteria specified in your insurance policy. Also, review exactly what your insurance covers. For example, determine whether your RV insurance will reimburse you for stolen items.

Contact Ken Boldt Insurance Agency II Inc. agents in Green, OH, to schedule an evaluation of your existing RV coverage or to receive a free quote for a new RV insurance policy.

Protection from Uninsured Drivers with RV Insurance

Posted on May 27, 2024May 24, 2024 by admin

RV insurance offers crucial protection against uninsured drivers, providing peace of mind for RV owners in case of accidents involving motorists without insurance coverage. This coverage is necessary around Green, OH.

Comprehensive Coverage

RV insurance is a comprehensive safety net, typically incorporating uninsured motorist coverage as part of its protection package. This coverage compensates RV owners for damages resulting from accidents with uninsured or underinsured drivers.

Financial Safeguard

Uninsured motorist coverage acts as a financial shield, covering various expenses, including medical bills, vehicle repairs, and related costs for both the RV owner and passengers. This coverage is a lifeline, sparing RV owners from significant financial burdens they would otherwise have to bear.

Hit-and-Run Protection

Uninsured motorist coverage also extends to hit-and-run accidents, where the responsible party flees without a trace. For instance, if your RV is parked and an uninsured driver hits it and drives away, this coverage ensures that you are still protected, covering the RV’s damages and the occupants’ injuries.

Property Damage Coverage

Moreover, uninsured motorist coverage may include protection for property damage caused by uninsured drivers. This comprehensive coverage ensures that RV owners are safeguarded against bodily injuries and damage to their vehicle and other property resulting from accidents with uninsured motorists.

Peace of Mind

With uninsured motorist coverage, RV owners can embark on their travels with a sense of security, knowing they are financially protected even in accidents involving uninsured drivers. Understanding the significance of this coverage and ensuring adequate protection empowers RV owners to enjoy their journeys with confidence and peace of mind.

Let Ken Boldt Insurance Agency II Inc. Give You Information

Ken Boldt Insurance Agency II Inc. helps answer your RV insurance questions and caters to the Green, OH region. Call us today.

Additional coverage for motorcyclists

Posted on April 26, 2024April 25, 2024 by admin

Understanding the Difference between Home and Condo Insurance

Home and condo insurance play crucial roles in safeguarding your living space. Despite some similar aspects, they have distinct differences. At Grove Financial & Associates Inc. in Mechanicsburg, PA, we provide both home and condo insurance and are equipped to address any queries you have regarding the types of coverage they offer.

Property VS Condominium Ownership

Condominium ownership often serves as an affordable entryway into the housing market. Condominiums can be an attractive option for those devoid of time or inclination to immerse themselves in lawn upkeep and exterior home maintenance. Property coverage is the significant difference between owning a condo and a home. The condo association’s master policy covers the maintenance of the exterior, taking care of aspects like roofing, siding, porch, windows, and parking lots. By perusing your agreement, you can ascertain the extent of your responsibility inside the condo.

Divergence in Liability Coverage

Depending on the location of the injury, the liability coverage also varies. You would be held accountable for injuries inside your unit or for family members away from the property. However, injuries sustained outside the property fall under the purview of the master policy. Individual content coverage for a condo mimics that offered for a home and protects your personal property within the unit, ensuring loss coverage even when you are away from your condo.

Understanding ‘Loss of Use’ Insurance

Loss of use insurance operates similarly for condos and stand-alone homes. If a covered hazard damages your unit, rendering it inhospitable, your condo insurance will provide coverage for temporary accommodation until your condo becomes habitable again, adhering to your policy’s limits.

If you reside in or around Mechanicsburg, PA, and require condo insurance, please contact our team at Grove Financial & Associates Inc.

Ken Boldt Insurance Agency II, Inc.

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