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Ken Boldt Insurance Agency II, Inc.

2205 Greensburg Rd
Green, OH 44720

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What Is Umbrella Insurance?

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When you already have home and auto insurance policies, you may feel that you are well-protected against accidents. However, you may not have as much coverage as you need in case of an expensive accident. When you own a home and a vehicle, it’s helpful to have an umbrella insurance policy. To get started with umbrella insurance, give us a call at Ken Boldt Insurance Agency II Inc. in Green, OH.

Umbrella Insurance: What You Need To Know

Home and Auto Insurance Coverage

Having home and auto insurance policies is a smart way to protect your investments as well as protect your financial future. When you have both of these policies, each comes with coverage for liability. This pays for the medical bills, lost wages, and other costs associated with an accident that you are held liable for. These policies often have very little in liability coverage, and that can mean that after the policy has maxed out, you still owe for the charges that are left over. This can leave thousands of dollars in bills left for you to pay. That’s why many people should have umbrella insurance.

How It Works

The home or auto policy comes in first to pay after an accident that you are liable for. Once that policy is maxed out and there are still overages left to pay, your umbrella policy comes in next. It then pays those overages so you won’t have to. It’s important to have this coverage in case of a serious accident that comes with a lot of costs. With umbrella insurance, the policy’s maximum is very high so that it can pay a high level of overages. 

Get Better Coverage

If you already have home and auto insurance, umbrella insurance is a cost-effective way to get better coverage. Call us at Ken Boldt Insurance Agency II Inc. in Green, OH.

What to Know Before Buying Condo Insurance

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If you’re in the market for a condo, it’s important to protect your investment with insurance. But what does condo insurance cover, and how much do you need? Ken Boldt Insurance Agency II Inc. in Green, OH offers a guide on what you need to know before buying condo insurance. 

What to Know Before Buying Condo Insurance

1. What Does It Cover?

In general, it will protect you from any damage to your unit that is caused by fire, smoke, theft, vandalism, or severe weather. It will also provide coverage if someone is injured while on your property. In addition, your condo association’s master policy will likely only cover the building itself – not your personal belongings or liability. That’s where your condo insurance comes in. By having a policy in place, you can rest assured knowing that you and your belongings are protected.

2. How Much Coverage Do I Need?

The amount of coverage you need will depend on the value of your belongings and the amount of liability coverage you feel comfortable with. To get an idea of how much coverage you may need, take an inventory of your possessions and their value. You should also consider how much it would cost to replace any items that were damaged or destroyed. As for liability coverage, you’ll want to consider how much protection you need in the event that someone is injured while on your property.

3. What Will It Cost?

The cost of your condo insurance policy will depend on a variety of factors, including the value of your possessions, the amount of coverage you need, and the deductible you choose. Be sure to shop around and compare rates from different insurers before deciding.

4. Do I Need It?

If you own a condo, the answer is likely yes. As we mentioned above, your condo association’s master policy will likely only cover the building itself – not your personal belongings or liability. So, if you want to be fully protected, you’ll need to purchase a condo insurance policy.

Now that you know what to look for in a condo insurance policy, it’s time to start shopping around. Ken Boldt Insurance Agency II Inc. in Green, OH, can help you find the right policy for your needs and budget. Give us a call today to get started!

 

Understanding Comprehensive Auto Insurance

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Spring is a great time to review your auto insurance coverages to ensure you have the protection you need. Ken Boldt Insurance Agency II Inc. is here to help Green, OH drivers understand your coverage options. 

What is Comprehensive Auto Insurance?

Sometimes known as ‘other than collision’ coverage, this type of auto insurance protects your vehicle from damage from vandalism, theft, fire, civil disturbances like riots, natural disasters, and falling objects. Much like collision coverage, you’ll have a deductible to meet before the claim covers the remainder of your repairs. 

What’s Not Covered by Comprehensive Coverage?

Some types of damages are not covered by comprehensive. These include:

  • Collision damage to your vehicle. 
  • Collision damage to another person’s vehicle. 
  • Maintenance issues. 
  • Water damage related to maintenance issues – like a seal failure or leaving a window open. 
  • Medical expenses for yourself or your passengers that result from an accident. 
  • The cost of a rental while your car is under repairs or non-driveable. Talk to your agent if you will need another set of wheels while yours is out of commission. 

Does Green, OH Require Comprehensive Coverage?

Ohio state law does not mandate that drivers carry comprehensive coverage, but your lender might require it if you are currently leasing or financing. 

Should I Carry Comprehensive Insurance?

The best way to answer this question is to consider how much your vehicle is worth. A good rule of thumb is to consider the rate you’d pay to carry comprehensive and collision coverage and multiply that by ten. If that exceeds the value of your car, it may not be the best investment for you. It’s best to discuss your options with a knowledgeable insurance agent. Call Ken Boldt Insurance Agency II Inc. today; our friendly staff can answer your questions and help you get the coverage that best meets your needs. 

Commercial Insurance FAQ

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If you own a business, it is imperative that you have the right insurance products to protect your investment. Not only have you invested money into your business, but you have also invested your time and your energy. At Ken Boldt Insurance Agency II Inc, serving Green, OH, we make it our business to help you find the right insurance for your business. Keep reading to learn more about commercial insurance. 

How Will Commercial Insurance Benefit Me?

Commercial insurance is a specially designed insurance product made for business owners. There are many layers to running your business smoothly, and each of those layers needs protection. A commercial insurance policy bundles the different types of coverage into a straightforward plan. 

What Types of Coverage Does Commercial Insurance Offer?

Because each business is different, each policy will also be different. Our team can work with you to customize a package that suits your particular needs. In general, though, most commercial policies will offer the following types of coverage:

  • Auto– If you currently use vehicles to run your business, you will need a solid auto policy protecting your drivers and your vehicles. 
  • Property Damage– A commercial insurance policy can provide property damage coverage if you are operating your business out of a brick-and-mortar location. If your property or equipment is damaged or lost due to fire, natural disaster, or burglary, the policy will pay for repairs or replacement. 
  • Liability– As a business owner, you carry a distinct liability risk. If someone is hurt at your place of business, or if someone is hurt because of your goods or services, liability coverage will pay for any expense that could result. 

If you would like to learn more about commercial insurance or any of our other services, please contact us at Ken Boldt Insurance Agency II Inc, serving Green, OH, and the surrounding areas. 

Things home insurance won’t cover

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Whether you are a new homeowner or a seasoned veteran, having the right home insurance is vital to your peace of mind. You want to make sure you have enough coverage but are not paying more than you need to or for things you don’t need. Home insurance protects your home from hazards, but it doesn’t cover everything, and it also has more than just building coverage included. At Ken Boldt Insurance Agency II Inc. in Green, OH, we want to make sure you have the right coverage for you and your home. 

Flooding

While this shocks many homeowners, your home insurance won’t cover you if you are the victim of a flood. At least not for what is known as surface water. If you have a busted pipe, that is covered. Flood insurance is available through FEMA. If you live in an area prone to floods, your lender will require you to carry flood insurance, and it is a good idea since flood damage is very expensive to repair. 

Earth Movement

Earth movement includes things like earthquakes, mudslides, landslides, and sinkholes. All of these are excluded from traditional home insurance. You can add an endorsement to cover these items if it is something you worry about. 

Owner Neglect

Many things can damage your home. Your insurance company expects you to make sure you do the best you can to make things like termites and mold don’t have an opportunity to gain a foothold in your home through the appropriate upkeep. If you don’t, they won’t pay for the damage that results. So get your home treated and do the necessary repairs. 

When you are looking for an independent insurance agent in Green, OH, Ken Boldt Insurance Agency II Inc is the one to call for personal service and a knowledgeable team.

What you need to know about renter’s insurance

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The Ken Boldt Insurance Agency II Inc. is here to serve the insurance needs of the greater Green, OH community. If you are getting ready to move into a new apartment, or you’ve never protected your current place, now is the time to start thinking about renter’s insurance!

ABCs of renter’s insurance

When it comes to renter’s insurance there is still a lot of misinformation floating around. Too many people believe that they are covered under their landlord’s policy. In fact, this is not the case. While your landlord will have a policy in place to protect the building and any common areas, this protection will not extend to your unit.

It is important to have your own renter’s insurance policy in place to protect your belongings. This type of insurance can also protect you from damage caused to the building that impacts your apartment, depending on the policy.

Now is the time to get a renter’s policy in place! Don’t delay getting this important coverage any longer. And, depending on the policy that you select, your items may be protected from theft even when the incident occurs away from home. For instance, there are some renter’s policies available that would provide reimbursement for a stolen bike even if the theft occurred somewhere other than your home. 

Find out more about renter’s insurance today!

Protect your belongings today

Ken Boldt Insurance Agency II Inc. is here to help our neighbors in the greater Green, OH community protect their valuables. If you would like to find out more about the many benefits of renter’s insurance, call or stop by our office today! 

Here’s What Your Home Insurance Needs

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Home insurance is critical for protecting your investment and ensuring that you don’t get in a problematic situation. At Ken Boldt Insurance Agency II Inc., we can help Green, OH residents like you get the long-term protection necessary for avoiding serious issues. 

What Your Policy Needs 

When getting a home insurance policy, it is vital to consider a variety of different protection levels. These include things like:

  • General liability protection 
  • Property damage repair help 
  • Theft loss coverage 
  • Home replacement and repair coverage 
  • Garage and other structure protection 

Depending on what your company provides, you can typically get a high level of protection for each of these policy types. Each naturally breaks down into different replacement or tier levels.

Coverage Types 

Typically, your home insurance policies will come in three different tiers or levels. These will vary based on your insurance company, of course, but usually include:

  • Actual Cash Value – This policy type pays for the true cash value of any items in your home, regardless of their replacement cost.
  • Replacement Cost – Get this policy to pay for the complete replacement of anything damaged or lost in your home, minimizing your potential financial issues.
  • Extended Replacement Cost – Try this type of coverage if you have something that will require comprehensive replacement or repair, such as HVAC systems.

When working with your agent, make sure that you talk to them about what to expect and work hard to find the best policy and coverage options for your needs.

You Deserve Great Insurance 

If you want a homeowner’s insurance policy that meets your needs and is reasonable for your payment plans, it is essential to talk to us at Ken Boldt Insurance Agency II Inc. to learn more. We serve Green, OH with pride and will do what we can to ensure that you are satisfied. 

Renter’s Insurance for Frequent Travelers

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If you’re a frequent traveler for work, you may rent a small place simply as a home base. However, you need to protect your investment with a high-quality renters insurance policy. We at Ken Boldt Insurance Agency II Inc. can help Green, OH renters get coverage.

Risks When Traveling 

When you travel a lot for your job or for whatever reason, your apartment or rented home may be at risk. We’re not trying to scare anybody but stating this fact, but it is unavoidable that concerns like an increased risk of robbery, serious emergencies, and much more may all impact your house. 

For example, someone may stake out your home, figure out your travel plans, and break in while you are gone. As you don’t own the house, you don’t have a homeowner’s insurance policy and may lose your goods. Thankfully, renters insurance is a great way of protecting against this danger.

Why Renters Insurance Helps 

Renters insurance is a surprisingly affordable policy option that covers your items in your home. It does not cover the outside of the facility, which is not your concern anyway. Instead, it will protect anything you bring into your living space from a myriad of different concerns. 

For example, it can protect against various types of disasters like floods, lighting, and fires. It can also protect against theft, one of the more common concerns for frequent travelers. By talking to your travel agent, you can learn more about the various benefits that this policy can provide you.

Find a Strong Policy

If you want renters insurance to keep your home safe while you travel, contact us at Ken Boldt Insurance Agency II Inc. to learn more. We serve the Green, OH area and will provide you with the help that you need to ensure that your home is protected.

Motor home Safety Tips for Ohio Drivers

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Motor home owners in Green, OH know firsthand the memories, adventures, and fun times that can be had using a recreational vehicle. Just like any other major investment, your motor home should be properly insured to protect your financials, your passengers, and yourself. The team of agents at Ken Boldt Insurance Agency II Inc. can help motor home owners to determine what the best coverage and policy is for the way they intend to use this recreational vehicle. 

How to Safely Own a Motorhome in Ohio

Get Insurance 

For those with a loan on their motor home, the lender most likely required some level of motor home insurance in the loan agreement. Different lenders have different requirements, but this coverage will meet those requirements safely. 

Motor home insurance often includes liability coverage, and Ohio does have a state minimum of liability insurance. 

Other types of motor home insurance include:

  • Collision insurance
  • Comprehensive coverage
  • Uninsured or underinsured coverage 

Listed above are some of the options you can select as part of your coverage and policy, but every insurance policy is different and may not offer these options. We can’t stress enough the importance of working with a company that knows the laws and can help determine the best insurance plan for you and your needs.

If you recently purchased a motor home and aren’t sure where to begin with insurance, contact the team at Ken Boldt Insurance Agency II Inc. We will help you find the best coverage to protect your investment, keep you and your family safe, and ensure you have a safe trip every time you use your motor home. 

What Kind of RV Insurance Is Required in Ohio?

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If you have owned a recreational vehicle for a while, you know that insurance and registration requirements can differ from state to state. For RV owners, some of the regulations regarding insurance can be confusing. If you live in Green, OH and want to cover your bases, you need to know what kind of insurance you need to cover your RV.

Ken Boldt Insurance Agency II Inc. understands how complicated buying insurance can seem. Here’s what you need to know about RV insurance requirements in Ohio.

Bodily Injury Liability Coverage

In Ohio, all motor vehicles are required to have bodily injury liability coverage at a rate of $25,000 per person and $50,000 for more than one person per accident. This coverage is often used for things like medical bills and lost income.

Property Damage Coverage

When you are driving a large vehicle like an RV, any damage resulting from an accident can be costly. Ohio RV owners are also required to have coverage for property damage beginning at $25,000 per accident.

Add-Ons Are Not Required

In Ohio, you are not required to add other types of coverage to your policy. You may opt for comprehensive coverage to handle RV damage caused by vandalism or bad weather, depending on what types of landscapes you tend to travel to with your vehicle.

You May Be Asked to Show Proof

When you drive an RV, you may be asked to show proof of insurance specifically for your RV. You may show this proof at a traffic stop or when you are in an accident.

Find the Right RV Insurance for Your Vehicle

Whether you camp on the weekends or you live in your RV most of the year, having the right insurance is important. Ken Boldt Insurance Agency II Inc. can help you insure your Green, OH vehicle to ensure it is compliant with state regulations.

Our Partner
  • AllState
  • Foremost
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  • Hiscox
  • Liberty
  • National General
  • Nationwide
  • Progressive
  • Safeco
  • The Hartford
  • Travelers
  • USLI
  • Utica National
  • Westfield

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