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152 Lear Rd
Avon Lake, OH 44012

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Why Recreational Boaters Need Boat Insurance in Ohio

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By law, all recreational boaters in Ohio are required to have adequate boat insurance. Boat insurance protects you and your passengers from financial loss in the event of an accident. It also covers damage to your boat and belongings, as well as third-party property damage and bodily injury.

Boat insurance gives you peace of mind while out on the water, knowing that you are protected financially in case of an accident.

What Does A Boat Insurance Policy Cover?

Boat insurance policies can protect you financially in the event of an accident involving your boat. Protections can include damage to your boat, as well as third-party property damage and bodily injury. Some policies also cover theft or vandalism of your boat, and may even pay for emergency services if you are stranded on the water.

Talk to a licensed agent at Meiners Insurance in Avon Lake, OH to determine what type and amount of coverage is best for you and your family.

Get A Free Boat Insurance Quote in Ohio

Meiners Insurance is an independent insurance agency that specializes in finding the best coverage and rates for our clients. We work with a variety of different insurers so that we can find the perfect policy for your needs. Getting a quote from us is easy – simply give us some basic information about yourself and your boat, and we’ll get to work shopping around for the best policies.

We’ll make sure you get the coverage you need at a price you can afford. Don’t wait until it’s too late — contact us at Meiners Insurance in Avon Lake, OH for a free quote today!

5 Things Every Rider Should Know About Motorcycle Insurance

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At Meiners Insurance, serving the greater Avon Lake, OH region, we provide motorcycle insurance to riders in the state.  Buying motorcycle insurance is one of the best investments a rider can make next to choosing their bike. But there are some things you should know before making a purchase. 

Five Things Every Rider Should Know About Motorcycle Insurance

#1. – Budget 

Motorcycle riders need to choose insurance that meets their need for coverage AND a policy that fits their budget. Insurance that is outside your price range can be a recipe for disaster. 

#2. – Lifestyle 

Choose motorcycle insurance coverage that best fits your individual needs and lifestyle. An experienced insurance agent at Meiners Insurance can advise on the best motorcycle insurance policy that matches your lifestyle. 

#3. – Bodily Injury Protections

Motorcycle insurance doesn’t just cover the rider. Bodily injury coverage policy add-ons can help protect you and other drivers if you’re at fault for an accident or injuring someone while riding your bike.

#4. – Multiple Coverage Types

It is important to choose the right coverage based on your individual needs. Common types of motorcycle insurance coverage protections available include the following.

  • Liability
  • Collision
  • Comprehensive
  • Medical payments
  • Personal injury protection (PIP)
  • Uninsured motorist
  • Underinsured motorist

Some coverage is required by law, while others are optional. Additional coverage and add-ons for motorcycle insurance policies include roadside assistance and towing services.

#4. – Property Damage

Motorcycle insurance can help you or an injured party recover from damage and loss in the event of an accident that causes property damage.

#5. – Peace of Mind

One of the main benefits of having motorcycle insurance is the peace of mind it provides. Riders can enjoy the ride when they know they are covered in case of an accident or mishap while on the road.

Give Us A Call

Contact us at Meiners Insurance, serving the greater Avon Lake, OH, if you have further questions. We are here to assist.  

Who needs umbrella insurance?

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Umbrella insurance is a type of coverage that’s designed to protect you from some of the costs associated with personal injury or property damage claims. If you become involved in an accident, for example, and are found liable for damages – like medical expenses, legal defense fees, or even punitive damages – your umbrella insurance policy may cover some of those expenses. Meiners Insurance is here to assist Avon Lake, OH residents with all their insurance-related queries. 

Who needs umbrella insurance?

Most standard homeowners or auto policies include liability limits that are too low to provide meaningful protection against large claims. An umbrella policy can often extend your liability coverage to a million dollars or more at a very reasonable cost when used as part of a well-designed insurance program.

Umbrella insurance is a great option for anyone who wants extra protection from costly personal injury or property damage claims. If you have a lot of assets that you want to protect, or if you have a high net worth, umbrella insurance can be a wise investment.

Umbrella insurance typically works in conjunction with other types of insurance policies, such as homeowners or auto insurance. It will provide additional coverage above and beyond the limits of those other policies in the event that you are sued or held liable for damages. This can be a great way to protect yourself from potentially costly legal expenses and damages.

Contact Us Today

Umbrella insurance can also provide peace of mind to those who are concerned about being sued: even if you don’t end up using your coverage, the financial backup it provides could be invaluable if a lawsuit does come your way. To learn more about umbrella insurance and whether it makes sense for you, talk to an agent from Meiners Insurance today! We proudly serve the Avon Lake, OH area.

How does condo insurance compare to home insurance?

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When your home is a condo, you may just assume that your coverage is just house insurance for a condo, but that is not exactly true. Learning about condo coverage is important and while both are homes, the coverage is different. At Meiners Insurance in Avon Lake, OH we work for our customers and ensure they know all the important facts about the coverage options.

Condo Insurance: What It Entails

To begin with, with a condo, you own the interior of your unit, but the condo association is responsible for the exterior. Your condo association has a master policy that takes care of the exterior and the common areas. Your covenant should let you know where your ownership begins and the association ownership ends.

The property coverage on a condo usually begins inside the exterior walls. It includes fixtures and things that are attached to the walls, electric wiring, and plumbing. The roof, the siding, and the windows are covered under the condo master policy. 

Content coverage is similar to what you would have if you owned a house. It will cover your personal items when you are at home and when you are away from home. It has limits on jewelry coverage and also antiques and electronics. 

Liability coverage will be applied when someone is inside your unit or if they are hurt by someone from your family away from home. But if they are in the parking lot or any of the areas outside your unit, they are covered by the condo association master liability policy. 

Loss of use coverage is similar to that which covers a house. You will have the money to pay for a place to stay and maybe even meals. 

Give Us a Call

Contact Meiners Insurance in Avon Lake, OH when you need insurance coverage for your condo. 

Documents you should always have in your vehicle

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Before you hit the road in Ohio, you need to make sure that you are in compliance with the law. You need to have a registered auto with good insurance. At Meiners Insurance in Avon Lake, OH, we have years of experience in providing quality service that is personalized to our customers. As an independent insurance agency, we can offer more choices. 

Documents you should always have in your vehicle

Vehicle registration

You must carry your vehicle registration in your glove box or somewhere safe in your vehicle at all times. Ohio allows you to get a multiyear registration between two and five years in duration. Especially when you are going to have it for a long time, you need to make sure it’s well cared for. To register a vehicle, you must show the title or the lease and have your driver’s license. 

Insurance card

Ohio has minimum auto insurance requirements. You must carry liability insurance in the amount of 25/50/25. This means you are covered for $25,000 in medical costs for one person, $50,000 for more than one person injured in a single accident, and also $25,000 for any property damage. If you have an accident, you will need to be able to show this insurance card, which you get when you sign up for a policy, to any police officer who requests it. 

Driver’s license

Most people use their driver’s license as a form of ID and therefore carry it with them in their wallet. If you are in the vehicle, chances are your license will also be there. It never hurts to make a photocopy of your license and include it with the other documents in the glove box so that everything is right there if you ever need it. 

Give Us A Call

Contact Meiners Insurance in Avon Lake, OH when you are ready to discuss your auto insurance needs. 

What Are Some Common Exclusions in Commercial Insurance Policies?

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Meiners Insurance is an independent insurance agency located in Avon Lake, OH. We offer a wide range of commercial insurance products and can tailor a policy to fit your specific needs. When you are shopping for commercial insurance, it is important to know what is and isn’t covered in a policy. No two policies are exactly alike, and exclusions vary from company to company. However, there are some exclusions that are fairly standard in the insurance industry.

Here are four of the most common exclusion in commercial insurance policies:

1. Intentional Acts: If you or one of your employees intentionally damages property or harms someone, your commercial insurance policy will not cover the resulting damages. This includes damage caused by vandalism, terrorism, and riots. 

2. Criminal Acts: If you or one of your employees commits a crime, your commercial insurance policy will not cover any damages that result from the criminal act. This includes damage caused by fraud, theft, and embezzlement. 

3. War and Nuclear Hazards: Most commercial insurance policies exclude damage caused by war or nuclear accidents. This is due to the fact that these events are typically uninsurable. 

4. Pollution: Many commercial insurance policies exclude pollution-related damage. This includes damage caused by hazardous materials, mold, asbestos, and lead paint. If you need coverage for pollution-related risks, you will need to purchase a separate pollution liability policy. 

Get Commercial Insurance Today

These are just four of the most common exclusions in commercial insurance policies. It’s important to read your policy carefully so that you understand what is and isn’t covered. If you have any questions about your coverage, contact Meiners Insurance Agency in Avon Lake, OH. We would be happy to help you find the coverage you need at a price you can afford!

Why would a classic car owner need to have a classic car insurance plan?

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For anyone that loves cars, owning a classic car is the ultimate dream. If you do fulfill this goal and invest in your own classic car, you will want to ensure that you are properly insuring it. For those with these vehicles, getting a full classic car insurance plan is a good option. Meiners Insurance in Avon Lake, OH is here to provide you with expert insurance advice.

Why You Need Classic Car Insurance

Protect Full Value of Car

A primary reason that someone will want to get a classic car plan for their classic car is so they can protect the full value of their vehicle. With a classic car insurance plan, you will have an opportunity to receive a fair replacement coverage value based on the current value of the car. This can help to protect the value of your classic car in the event it is stolen or damaged. 

Mitigate Liability Risks

Similar to when driving any other type of car, you will need to have liability insurance if you want to drive a classic car in Ohio. However, most classic car owners will not put many miles on their cars each year. When you have a classic car insurance policy, your liability coverage and premiums will be based on your actual mileage driven, which can lead to more affordable liability insurance premiums. 

Give Us A Call

Anyone that would like to get a classic car in the Avon Lake, OH area will also want to know that they have a proper insurance policy in place at all times. There are always a lot of factors to consider when you are looking for an insurance plan here and Meiners Insurance can help you build a new plan. The professionals with Meiners Insurance will take a customized approach to ensure you fully understand your classic car needs and obligations. 

Why recreational insurance is important for ATV owners

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Meiners Insurance can provide the insurance services you need to protect your ATV and other recreational vehicles in the Avon Lake, OH area. If you’re wondering how much or what type of insurance will best meet your needs, give us a call or come by our office today. We look forward to seeing you soon!

What ATV owners need to know about insurance

When it comes to protecting your ATV, the most important aspect to consider is liability coverage. Even if you are on private land, you can still be held responsible for any accidents or injuries that occur as a result of your vehicle.

Having robust coverage for the vehicle itself is also important. You will want to have protection if your ATV is damaged or stolen or rendered unusable after an accident. 

These are just a few examples where having comprehensive ATV insurance would be beneficial. Many people think that because they aren’t driving on public roads, there’s no need for insurance. This can be a dangerous decision to make, especially if you have a lot of friends or family members who are also using the vehicle.

Now is a great time to get insurance. This will make riding your vehicle even more fun knowing you have the protection you need.

We look forward to working with you!

Avon Lake, OH area residents rely on the team at Meiners Insurance for all of their insurance needs. If you have any questions or want to learn more about the ATV insurance options that are available in our area, we are here to help! Come by our office or give us a call today and we will help you find the most appropriate policy for your needs!

How can renters insurance in Ohio protect someone?

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Renting a home in the Avon Lake, OH area is a good idea for many people. If you are a renter when you are here, you will have more flexibility to move when you want and fewer maintenance responsibilities. While renting does not come with the same long-term commitment as owning a home does, you will still want to have the right insurance. A proper renters’ insurance plan can protect someone in this state in various ways. 

Renters’ Insurance: What You Need To Know

Offset Liability Risks

One of the reasons you should get a renters’ insurance plan in Ohio is to offset your liability risks. There is always a chance that you could cause an accident in your home. If this results in injuries or property damage, you could be liable for all damages. If you are properly insured with a renters’ insurance plan, it will provide you with the support needed to mitigate this risk as you will have support if you are found liable. 

Cover Personal Assets

It can also be a good idea to get renters insurance as it will help to cover your personal assets. Anyone moving into a new rental home is going to bring with them various personal belongings. These can include furniture, clothing, electronics, and various other items that could quickly add up in value. To ensure your personal items are covered, you will always want to carry a renter’s insurance plan. This will help ensure you are able to replace these items if you are a victim of theft or some other form of damage. 

Contact Us Today

If you are going to rent a home in the Avon Lake, OH area, you will want to have the proper insurance in place. The team with Meiners Insurance can help you select the right policy for your situation. When you do call Meiners Insurance, you can learn more about the typical renter’s insurance requirements and the advantages that come with this coverage. Based on this support, you can choose the right policy for your situation. 

Why RV Insurance is a Good Investment

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Owning an RV sounds fun, but it requires a significant investment. First off, the purchase price isn’t cheap. Then, you need to be diligent with the ongoing maintenance routine to keep your luxury vehicle in tip-top condition. And that’s not all. Don’t forget about RV insurance from Meiners Insurance in Avon Lake, OH, because you need it to protect your investment.

But does RV insurance matter? Or it’s just another payment we make religiously to comply with the law? If you have been having second thoughts about RV insurance, you had better think again. RV insurance is worth many times the actual price you pay the premiums. Here are reasons why RV insurance is worth every penny.

Why RV Insurance is a Good Investment

Protects you against liabilities

In America, going on about life without liability insurance is a dangerous move. It only takes one liability claim to mess up with your finances. When using your RV, you may cause an accident that inflicts injuries and property damage to others. Without liability coverage, you may need to cover these costs from your pocket. However, third-party claims shouldn’t be much of a headache if you have liability coverage.

Protects your asset

As mentioned, RV is a significant investment. And just like your car or home, your RV is susceptible to numerous risks like theft, fire, vandalism, falling objects, and natural disasters. Instead of taking chances with your prized investment, protect it with RV insurance.

It’s required

A travel trailer towable by your vehicle doesn’t need RV insurance because your car insurance covers it. However, self-propelled RVs like camper vans must-have RV insurance to meet the state’s requirements. Furthermore, your lender may require you to invest in RV insurance until you pay off the loan.

Give Us A Call

Convinced that RV insurance is a worthwhile investment? It’s time to purchase a policy in Avon Lake, OH from Meiners Insurance. Call us today for an affordable quote.

Our Carriers

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