Frequently Asked Questions

Yes! Insurance can help you get back on track after an incident and keep you protected. Although coverage may seem unnecessary at times, it can be a good alternative to large expenses in the future.

Choosing the right insurance coverage depends on your unique needs. We’re here to help you find the best options tailored just for you.

You can start by calling our Defiance office at 419-782-7176 or our Continental office at 419-596-3848. If you need extra help, you can also reach your carrier’s claims team through their website or after-hours hotline. We’ll help guide you through the next steps.

A quote is an estimate of what your rate could be with a potential insurance carrier. These are subject to change depending on how much information you give at the time of the quote. Typically, 3-5 quotes can help give you an idea of what is available, and you can get yours here.

The cost of car insurance depends on factors like your age, driving history, vehicle use, location, coverage choices, payment method, mileage, credit score, and even your car’s engine size.

“Full coverage” usually means a mix of liability, collision, and comprehensive coverage. It can help pay for damage to your vehicle and damage you cause to others, but it does not cover every loss. Check your auto policy declarations page to see exactly what your policy includes.

Uninsured motorist coverage helps protect you if you’re hit by a driver without insurance or with insufficient coverage to pay for damages or injuries. It’s your safety net for unexpected situations.

To give you an accurate quote, we usually need basic details about you, your vehicle or property, and the coverage you want. The exact information depends on the type of insurance. If you’re not sure what to gather, our team can walk you through it.

You can make a payment through one of our insurance partners here.

To make sure you have the right insurance coverage, review your quote carefully. If you’re unsure, our friendly agents are ready to answer your questions and guide you to the best options for your needs.

It’s a good idea to review your life insurance regularly, especially after a big life change like marriage, a new child, a home purchase, or a change in income. A quick review can help make sure your coverage still fits your needs.

As an independent agency, we are not tied to just one carrier. That gives us the flexibility to shop around, compare options, and recommend coverage based on what works best for you, not one company’s products.

When your policy renews, it’s a good time to check your coverage limits, deductibles, drivers, vehicles, property details, and any recent life changes. Reviewing these details can help make sure your policy still matches your needs.

When you request an online quote, our team reviews your information and follows up with options that fit your needs. It’s a simple way to start the process, and every online quote request also helps support our charitable giving efforts.

We help with auto, home, farm, life, Medicare, and business insurance. Because we work with many trusted carriers, we can compare options and help you find coverage that fits your needs and budget.