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152 Lear Rd
Avon Lake, OH 44012

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RV Insurance – Coverage for Items That Will Be Towed

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Are you going to attach a tow bar and hitch to your RV during your next road trip? If so, you may need specialized insurance to protect your RV, towing equipment, and cargo.

Towing Risks

When actively towing, you are increasing the workload that your primary vehicle is responsible for. The additional weight, plus the presence of the towing equipment, may increase your risk of being involved in an accident.

Your primary vehicle could sideswipe another vehicle, and towing equipment can become disconnected, causing damage. Towing insurance coverage designed for RV owners provides protection whenever a vehicle or RV equipment is being towed.

Towing Preparations

Decide which equipment you will be using for towing purposes. Inspect the equipment, ensuring that it is damage-free. Consider the value of the towing equipment and the item or items that will be towed behind your vehicle.

You can obtain towing insurance that will cover all the essential items that are necessary for towing. You can also obtain coverage for your RV and the actual item that will be towed behind it.

For example, you may decide to tow a snowmobile or four-wheeler behind your RV. If you are going to be using a trailer for towing purposes, you may want to seek insurance coverage for your RV, the trailer, and the piece of recreational equipment that you will be towing.

You may also want to insure the tow bar, the hitch, and other towing equipment. If you are involved in an accident, your coverage may pay for repairs.

Contact An Insurance Agent in Avon Lake, OH

At Meiners Insurance, one of our insurance agents will assist you with updating your RV insurance policy. Set up an appointment to obtain the towing coverage that you need.

Your Boat Insurance Liability Coverage Is Important If You Frequently Have Guest On Board

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Boating with family and friends creates wonderful memories for everyone, but sometimes, guests may be careless about safety and can become injured during the excursion. Your liability coverage can be important to defray the cost of any legal cases that can result from an unexpected boating mishap. At Meiners Insurance in Avon Lake, OH, we offer boat insurance for Ohio boaters.

Accidents Can Occur When You Have Inexperienced Boaters On Board

You may invite guests who don’t have experience being on a craft. Guests may have so much fun that they forget to be careful about hazards on the boat, such as propellers, unsteady ladders, protruding cleats, or other objects. Accidents can occur that can lead to lawsuits. That’s where your liability coverage can step in to help avoid expensive losses.

Safe Boating Is A Learned Habit

Inexperienced guests may not know about common hazards they might encounter while boating. The boat owner is responsible for monitoring their guests’ behavior and educating them about safe boating practices so accidents don’t occur. When an incident does happen, your boat insurance liability coverage can cover the cost of lawsuits and other relevant expenses.

Make Meiners Insurance Your Choice For Boat Insurance

If you have questions about liability coverage in your insurance policy, our experienced agents can provide in-depth information to put your mind at rest. We offer many types of insurance policies, including home, auto, renters, life, and business insurance. Contact Meiners Insurance in Avon Lake, OH, today for a no-obligation quote on boat insurance that can protect you against liability for accidents to guests on board.

Is Ohio One of the States that Requires Motorcycle Insurance?

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Is Motorcycle Insurance Mandatory in Ohio?

Yes, motorcycle insurance is mandatory in Ohio. Unlike previous times when not all states obliged motorcycle owners to have insurance coverage, Ohio was not included in the exemption. Thus, procuring insurance is a requisite before hitting the highways and byways in Ohio.

The minimal requirement in Ohio requires owners to have liability insurance, with at least $25,000 coverage per person for bodily injuries sustained in an accident.

Purchasing additional coverage like collision and comprehensive insurance is optional.

Other Motorcycle Insurance Coverage Options in Avon Lake, OH

Besides the basic coverage, several other types of motorcycle insurance options are available in Avon Lake, OH. These include coverage for personal belongings and other items carried on the motorcycle.

Roadside assistance is always a wise investment, whether you use your motorcycle for commuting, everyday errands around town, or leisurely highway rides to vacation destinations.

Medical payment coverage for both the driver and the passenger is another optional insurance coverage to consider.

Inquire with your agent about total loss coverage and the specific scenarios the insurance covers.

Insurance Coverage: Before or After a Motorcycle Purchase

If you plan to purchase a motorcycle in Ohio soon, you are allowed to buy the bike before acquiring the required liability insurance coverage. However,

Like motorcycles, scooters must also be registered and insured in the state. On the other hand, mopeds do not require liability insurance.

Please note that you cannot operate the bike without proof of active liability insurance.

Contact Meiners Insurance Today

At Meiners Insurance, we are committed to helping you secure the necessary insurance coverage to legally operate your bike in Ohio. Call us today to ensure a safe ride tomorrow.

When should you get umbrella insurance in Ohio?

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Liability risks should always be taken seriously when you are in the Avon Lake, OH, area. As personal liability risks will always exist, it is always a good idea to ensure you can mitigate this risk. One of the ways you can do this is by investing in a full umbrella insurance policy. There are a lot of situations when it would make sense to get this type of coverage here. 

When Trying to Reduce Financial Risks

A primary situation when you will want to have an umbrella plan is when you are trying to reduce your financial risks. If you have significant assets, you could be more at risk for a liability claim than others. The judgment or settlement can be substantial if you are found liable for an accident. If you have an umbrella plan, you will have the support you need to protect your financial assets. 

When at Higher Risk

Having an umbrella plan is also a good idea if you are at a higher risk for a claim. Depending on your situation, you may be more likely than others to be liable for damages. Examples of this include being a public figure and at risk for libel or slander. Umbrella insurance is a great option in these situations. 

It is always crucial that you are adequately covered with an umbrella plan when you are in the Avon Lake, OH, area. This is a great way to manage your personal liability risks. As you are looking for a new plan here, it would be wise to call our team with Meiners Insurance. Our professionals with Meiners Insurance will give you any help you need to build a new plan that will meet your needs. 

What Types of Water Damage is Covered in Condo Insurance

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Condo insurance, or HO-6 insurance, provides essential coverage for unit owners around Avon Lake, OH. Understanding the various types of water damage covered under condo insurance and what is covered is crucial before filing a claim.

Sudden and Accidental Water Damage

Condo insurance typically covers sudden and accidental water damage, including damage from burst pipes and unintentional overflows from household appliances. If a pipe bursts unexpectedly, causing water to damage your walls, floors, or personal belongings, your condo insurance will likely cover the repair costs and replacement of damaged items.

Damage from Plumbing Issues

Water damage from faulty plumbing, such as a broken pipe or malfunctioning system, is generally covered. For example, if a pipe in your bathroom bursts and floods your unit, your policy would typically cover the damage to your personal property and the interior of your condo. However, maintenance and repairs for the upkeep must remain habitual.

Water Damage from Fire Suppression

If water damage occurs due to extinguishing a fire in your condo, this would be covered by your insurance. For instance, if firefighters need to use water to extinguish a fire, the subsequent water damage to your unit and belongings would be included in your policy’s coverage.

Limitations and Exclusions

It is important to note that condo insurance may not honor every type of water damage. Flood damage from natural disasters like heavy rainfall or storm surges is typically excluded and requires separate flood insurance. Additionally, damage from sewer backups or overflows may not be covered unless you have added specific endorsements.

Meiners Insurance Is There For You

Meiners Insurance is here for you when you need insurance information. Our services are available at the Avon Lake, OH locations and surrounding areas. Call today.

Do You Need More Than Liability Auto Insurance?

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If you’re in the Avon Lake, OH, area and looking into getting auto insurance or need to update your current policy, Meiners Insurance can help. We want to ensure you have the right type and level of coverage for your vehicle needs, which can vary depending on several factors. The best way to ensure you’re protected properly is to work with a professional insurance agent who can give you the information and support you need, which could mean more than liability coverage.

Having liability insurance covers the basics, but it doesn’t provide protection for other problems. If your vehicle is stolen or you’re in an accident, for example, you may find that you don’t have the level of security you expected or hoped for. That’s why it can be the right choice to add more coverage than the state requires. However, you don’t need it in all cases, and you want to base it on the age and type of car you drive, along with other specific factors in your life.

By working with an agent, you can eliminate the guesswork about whether you should have something beyond liability for your insurance coverage, allowing you to focus on getting the best protection for your situation. We can answer your questions and provide you with quotes from multiple insurers so you can get the right policy or make important updates to your current one.

Get in touch with us today at Meiners Insurance if you’re in the Avon Lake, OH area and looking for auto insurance. We’re here for you, and your car coverage needs so you can feel confident on the road and know that you have a policy that will keep you protected.

Liability Protection for Commercial Landscaping Upgrades

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Property upgrades that enhance the beauty and functionality of your commercial land require liability protection. Read on to learn about the risks associated with land improvements. Then, purchase commercial liability insurance for your business property.

Upgrades to your Home

  • Pond, fountain, or another water feature
  • Landscape Lighting
  • Common areas for walking and sitting
  • Trees, shrubs, and other plants
  • Patios
  • Gazebos

This list highlights some landscaping upgrades that a liability protection plan can cover. These upgrades and others could alter how your commercial property is used daily. 

Risks to your Home

Land improvements are designed to make your property more attractive or user-friendly. However, these types of additions may come with risks. Natural and synthetic materials used to construct landscaping features could become damaged, posing a risk to others.

Assess the materials each feature is constructed of. Perform a safety analysis that pertains to the design of each landscaping upgrade. Consider ways to improve the safety of each landscaping upgrade.

The installation of fencing or signs could make it easier for patrons and employees to access your property. Safety features will also prevent unforeseen accidents on your commercial land.

Coverage for your Home

The amount of commercial property liability coverage you acquire should coincide with the risk level of each upgrade. If someone who visits your property ultimately sues you, the liability insurance will cover legal costs and other costs associated with the lawsuit.

Your commercial liability insurance policy will indicate the cap amount for the landscaping materials covered by your policy. 

Contact Meiners Insurance

Contact one of our agents at Meiners Insurance. An agent who serves Avon Lake, OH, will prepare your new commercial liability insurance documents for the landscaping upgrades.

What value comes with a classic car insurance plan?

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Most people who love cars in Avon Lake, OH, dream of someday owning a classic car. When you are looking to purchase a classic car here, getting a classic car insurance plan would be smart. This is a unique type of insurance that differentiates it from typical auto insurance plans. A classic car insurance plan comes with various types of coverage that can be an excellent option for your situation. 

Maximum Coverage

A great reason to have a classic car insurance plan for your vehicle and investment is to receive maximum coverage. A standard auto plan is going to offer coverage that is around the market value of the vehicle. As these vehicles decline in value, so can your replacement coverage over the years. When you get a classic car insurance plan, you can maximize your coverage by negotiating the vehicle’s market value, which can include the collectible value you may appreciate. 

Liability Coverage

If you ever want to drive your car in Ohio, you must have liability insurance. However, as classic cars are driven sparingly, the actual risk is low. When you invest in a classic car insurance plan, you can get a policy that considers this. Typically, you will offer an estimate of mileage driven each year, and your policy premiums will be based on that reduced mileage. 

It is always a good idea to get insurance for your classic car. When trying to get a classic car insurance plan, you will want to call our team with Meiners Insurance in Avalon Lake, OH. Our professionals with Meiners Insurance will ensure you have the necessary support so you can build a classic car insurance plan that will adequately cover your vehicle. 

Recreational Insurance – What to Do If Theft or Vandalism Occurs

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Responding quickly is crucial after your recreational vehicle (RV) is stolen or vandalized. Here are some guidelines to safeguard your interests during the insurance claims process.

Understanding Your Coverage

Your insurance document contains the coverage details for your RV. The policy usually covers incidences such as theft, vandalism, break-ins, and other criminal acts. Therefore, acquainting yourself with your insurance policy will help you comprehend your coverage type.

The Claims Process

Familiarize yourself with the insurance claims process. You are responsible for promptly reporting any criminal activity, including robbery and vandalism, to your insurance agency. Swift reporting can help you recover your lost property and losses. For instance, if your RV was stolen, timely reporting increases the chances of it being recovered. Be ready to provide your agent with a precise description of the event.

Cooperative in Legal Matters

Collaborate with local law enforcement agencies. They play a critical role in accurately documenting the incident. Offer clear, concise information to aid the process. You may be contacted later if more information is required or if new developments occur in the case.

The Inspection Process

Post-incident inspections may occur, depending on the kind of crime involved. For example, in case of vandalism, an insurance adjuster may be assigned to evaluate the level of damage.

Contact Meiners Insurance

If you have any doubts or queries about filing an RV insurance claim, do not hesitate to contact a representative of Meiners Insurance. Our agents, serving Avon Lake, OH, are here to provide comprehensive answers to all your questions.

Four Surprising Benefits of Renters Insurance

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Everything you own inside a space you rent is covered under a renters insurance policy. Whether you’ve had coverage in place for years or never thought about it, our team at Meiners Insurance in Avon Lake, OH, shares some lesser-known facts about renters insurance.

Coverage Is More Valuable Than You Think

You likely own more than you realize, and the typical two-bedroom rental holds an average of $20,000 in possessions, if not more. The cost of replacing electronics, furnishings, and kitchen gadgets can be expensive, but rental insurance can help with replacement costs.

Renters Insurance Moves With You

There’s no need to worry about lapses in coverage when you move. Renters insurance is in place, regardless of where you and your belongings are. The policy covers your items during shipment to a new location or when put in storage.

Your Protection Covers Neighbors Too

Your insurance will cover your losses if you live in an apartment or have nearby neighboring homes and are found liable for causing accidental damage to another unit or their property. Smoke, fire, leaking pipes, and other hazards can result in costly losses to both your place and those nearby. You likely wouldn’t want to have to reimburse occupants in the whole building for an accident.

Renters Insurance Covers Clumsiness

Being klutzy inside the home can cause accidents, and your policy covers injury or accidents to your friends, yourself, and others while in the house. Slipping on the stairs, falling, or even someone tossing a remote through the TV by accident (it happens!) It is reimbursable under your insurance.

If you rent a space, call Meiners Insurance in Avon Lake, OH, to get more information and have a personalized renters policy that will meet your needs.

Our Carriers

  • Foremost
  • Hagerty
  • Guard
  • Liberty Mutual
  • Nationwide
  • Progressive
  • Safeco
  • Travelers