What Does Boat Insurance Cover?

Posted on April 29, 2022May 11, 2022 by admin

When you own a boat, you may be wondering if you need insurance for it. It isn’t required, though you should really think about getting some for your own protection. While considering whether or not you want insurance in Avon Lake, OH, you should figure out what it covers. Meiners Insurance offers a list of coverages to consider below.

Here are some things that your boat insurance will cover

Your boat itself. Though some plans will cover more than others, your insurance could cover the cost to repair it if it is damaged. It could also replace it if your boat gets stolen. Your boat doesn’t even have to be in the water to be covered!

Property damage. If you damage someone else’s boat or property (such as a dock), you will be held liable for it. Your insurance will cover these costs.

Medical bills. If you or your passengers are injured in an accident, you are going to have to pay for the medical bills, which can add up quickly. Your liability insurance will cover these expenses.

Legal fees. Your liability insurance will also cover any legal fees if you end up getting sued over the accident.

Other people’s negligence. Your boat insurance will likely have underinsured and uninsured insurance. This is used to cover any expenses that the other party may not be able to pay with their insurance.

The best way to make sure that you have enough insurance is to talk to a professional. If you are serious about it, you should contact us at Meiners Insurance in Avon Lake, OH. We will be glad to go over your options to ensure that you feel good about your insurance.

4 Add-ons to Consider for your Motorcycle Insurance

Posted on March 31, 2022April 13, 2022 by admin

Insurance protects your vehicle or motorcycle and is also a financial planning tool. Regrettably, the importance of a solid motorcycle insurance plan is widely underrated, yet it can save you when you least expect it. Unfortunately, most riders either ride without insurance or are underinsured. At Meiners Insurance of Avon Lake, OH, we are here to share “add-ons” or “riders” to consider for your motorcycle insurance for optimal protection.

Roadside assistance

No one likes to be stuck on the road. Unfortunately, mechanical and electrical breakdowns are part of bike ownership. While roadside assistance coverage won’t minimize the inconvenience of a breakdown, it will save you financially. Roadside assistance comes to your rescue when your bike stalls miles away from home. Roadside assistance coverage can cover you in case of:

Dead battery
Lost key
Flat key
Running out of gas
Low fluids

This coverage protects you by providing expenses like gas delivery, towing, battery jumpstarting, and other services listed in your policy.

Total loss coverage

This coverage helps replace your two-wheeler with a newer version when stolen or totaled. This coverage bridges the gap between the “replacement cost value” of the bike and the “actual cash value.” This insurance policy absorbs the depreciation factor, which otherwise you would cover from your pocket.

OEM endorsement

This insurance coverage ensures that only original parts are used when repairing your bike. If the OEM part is unavailable, you receive compensation based on the part’s fair value in the market.

Personal belongings coverage

It covers personal stuff like the helmet, riding gear, and other personal items on your bike when stolen or damaged.

Protect your bike with motorcycle insurance

Need to boost your motorcycle insurance in Avon Lake, OH? Why don’t you get in touch with Meiners Insurance? We will advise on appropriate add-ons suitable for your bike insurance.

How Umbrella Insurance Works

Posted on February 15, 2022February 3, 2022 by admin

What happens if damages you caused in an accident exceed the amount of your insurance coverage? If you have an umbrella insurance policy, then you may be covered. If not, you could incur additional expenses. There are benefits to having an umbrella policy.

Here at Meiners Insurance in Avon Lake, OH, we want to provide you with the right insurance policy options that suit your situation. With that in mind, here’s how umbrella insurance works.

What is Umbrella Insurance?

Umbrella insurance is additional personal liability insurance. It provides protection beyond the limits of your existing coverage for your home, auto, or boat.

Furthermore, it can provide coverage for:

Injuries
Damages
Certain lawsuits
Personal liability situation

How Does Umbrella Insurance Work?

Since umbrella insurance provides liability insurance, it will cover you if you are at fault.

For example, let’s say a guest falls in your home. Your homeowner’s insurance, if it includes personal liability, would cover the injured person’s expenses up to the limit specified in your policy. Umbrella insurance, on the other hand, would cover any additional expenses the injured person experiences.

Also, liability doesn’t just exist for injuries. Liability also applies to damage to property. Also, liability exists in cases of slander and libel.

Therefore, umbrella insurance provides you with extra protection when:

You are liable
You have reached the limit of your basic policy
Your other policies don’t cover your liability, such as slander or libel

Finally, an umbrella policy covers not only the policyholder, but it covers everyone in the household.

Think of Umbrella Insurance as Above and Beyond

Basically, you can think of umbrella insurance as liability insurance above and beyond your normal coverage.

Contact Meiners Insurance in Avon Lake, OH to find out more about umbrella insurance coverage.

What to do if your condo is damaged

Posted on January 24, 2022February 3, 2022 by admin

Meiners Insurance is here to serve the insurance needs of the Avon Lake, OH community. We understand that having to file an insurance claim may not be at the top of anyone’s list of things they want to do, but we can help make the process as stress-free as possible. That’s just one great benefit of working with a local agent!

What to do after your condo is damaged

A lot of people choose to purchase a condo because of the low-maintenance lifestyle that they offer. If you are living in a condo that has been damaged, you may be wondering what to do next. The first thing you will need to do is address any health and safety issues. If the unit has become uninhabitable, you will need to find suitable living arrangements first.

If you have been robbed or a victim of vandalism, be sure to notify the police. You will need a copy of their report when filing a claim with your insurance agent. Once you are in a safe place and you have notified the authorities if necessary, give your local insurance agent a call. They can provide the next steps and offer advice when it comes to the claims filing process.

Experiencing any type of event that causes damage to your home is never pleasant. But, when you work with a local agent you will have someone on your side throughout the entire claims process.

We are here to help you throughout the entire claims process!

If you are a condo owner in the greater Avon Lake, OH area, you can rely on Meiners Insurance for all of your insurance needs. If you would like to learn more about our services, call or stop by our office today!

Why umbrella insurance is so important for growing companies

Posted on December 13, 2021December 9, 2021 by admin

Business owners turn to the team at Meiners Insurance to help them protect their commercial interests in the greater Avon Lake, OH area. If you are the owner of a growing business, it may be time to add a commercial umbrella policy to your insurance portfolio. Protect your hard work with a comprehensive insurance plan!

Benefits of commercial umbrella policies

Like most insurance types, commercial policies have protection limits. This means that once your policy is exhausted, you become financially responsible for any loss that your business may suffer. It is because of this that many business owners also carry umbrella policies to protect their companies.

For example, if your company suffers a catastrophic loss through a covered event, your primary policy may not be enough to cover all of the damage. Fortunately, there are supplemental policies that businesses can carry. An umbrella policy will go into effect when and if the primary policy is exhausted.

This type of protection is especially important for companies that are growing. A growing company that is just hitting its stride can be decimated by a significant and uncovered loss. Because of this, business owners who are still in growth mode and not yet established will want to pay close attention to their umbrella policy options. Make sure that you have the right protection in place at the appropriate coverage level.

Count on us for your commercial insurance needs

At Meiners Insurance, we understand how much hard work and dedication it takes to grow a successful business. If it’s time to review the protection that your current commercial policy provides for your Avon Lake, OH business, we can help. Call us today to schedule a consultation to review your policy needs.

3 Benefits Of Condo Insurance

Posted on November 29, 2021December 9, 2021 by admin

Meiners Insurance serves the Avon Lake, OH community, as well as the surrounding areas. For over 20 years, we have strived to make sure that our clients are protected in any situation. We offer flexible policies that align with our client’s individual needs. We look forward to providing you with excellent customer service.

3 Benefits Of Condo Insurance

There are several beautiful condos in the Avon Lake, OH community. If you are staying at one of these appealing properties, consider adding condo insurance. Before adding condo insurance, be sure to take inventory of your personal items. That way, you will have a point of reference if your belongings are stolen or vandalized. Condo insurance also covers any damage to your personal items because of a fire or natural disaster. Liability coverage is another important part of your policy. If you invite friends over, you are covered if they suffer an injury on your property. You are also covered if you accidentally cause damage to your neighbor’s property. Here is a look at some important benefits of condo insurance.

Additional Living Coverage

Perhaps an emergency occurs at your condo, and you have to vacate the premises while the unit is repaired. If you add alternative living coverage to your policy, you are covered if you need to stay elsewhere for a period of time until the unit is repaired.

Your Belongings Are Covered When You Travel

If you plan to take a vacation, you can have peace of mind that your belongings are covered if something happens while you are traveling.

Luxury Items

If you have luxury items in your condo, you can add extra coverage to protect you if those items are damaged.

Meiners Insurance Will Help You Protect Your Assets

Visit our website to learn more information about condo insurance.

Required Auto Insurance in Ohio

Posted on October 15, 2021October 10, 2021 by admin

In Ohio, there are specific minimums you are required to have in your auto policy. These minimums are the amount you are required to have, but you can always add extra coverage to your policies. Many people do this because they want to be better protected against serious accidents. With medical bills and car repair bills so high, it’s usually smart to raise your amounts of coverage. If you need auto insurance, give us a call at Meiners Insurance in Avon Lake, OH.

Bodily Injury Liability

The state requires you to have a specific amount of coverage to pay for one person who is injured or killed in an accident that you cause. There is another amount required for the injury or death of two people or more. These liability amounts are relatively low when you look at how high medical bills can be. It’s often recommended to add some extra coverage to this policy.

Property Damage Liability

In Ohio, you also have to have a specific amount of property damage liability. This pays for the damage to the other person’s vehicle in an accident that you caused. The amount required in Ohio is midrange among states, so you may not need to increase this coverage to stay protected.

Other Auto Coverage

Those required types of coverage are great to have for taking care of your liability, but that leaves nothing for you after an accident. Many people choose to add a collision policy to their auto insurance. This policy covers the damage done to your vehicle after an accident that you caused. You can also get comprehensive insurance which protects your car from a number of other risks.

Get Your Vehicle Covered

To stay legal and protected when driving, you need auto insurance. Call us at Meiners Insurance in Avon Lake, OH.

Ohio Commercial Business Insurance: How to Protect Against Cyber Threats

Posted on September 30, 2021October 10, 2021 by admin

In this day and age, having a business in Ohio is going to come with a lot of responsibilities and concerns. A large concern today is hacking, data breaches, and ransomware. This is what cybersecurity insurance is for in your commercial insurance policy.

At Meiners Insurance, we want Avon Lake, OH business owners to have the most thorough cybersecurity protection possible. In addition to cybersecurity insurance, there are steps you can take to protect your company’s data, networks, and technology.

Password Protection

Having a good password policy at work can change the face of your entire business. Make sure that you have password protection for each of your devices and users. Create passwords that are impossible to guess, using long characters and words a hacker can’t detect.

Install Security Software

You may already have anti-spyware and anti-virus software on your network. Beef that up a little with security software that will protect everything.

Be sure that you have updates on everything and have all operating systems fully up to date. You want to also be sure that this information is only available to certain employees.

Your IT department, or yourself if you don’t have one, should be the only ones responsible for updates to your technology and software. Limit access to ensure your internal threats are minimized.

Lock Up Technology When Not in Use

When your business is closed for the day, make sure that your technology is locked up or secure. Passwords are one way to do this. Keep technology not in use in a safe or locked closet when and wherever possible.

Keep a list of all of your technology and inventory and update it on a regular basis. Your commercial insurance company will be happy to know that you have a tight security system for your technology.

Get Cybersecurity Insurance Today

If you don’t have cybersecurity insurance yet, now is the time to do it. At Meiners Insurance, we want Avon Lake, OH business owners to have thorough coverage to meet their cybersecurity protection needs. It is easier to get this insurance when you have an established security system in place. Call us for a quote today.

Can Classic Car Insurance Help With Vehicle Upgrades?

Posted on August 16, 2021August 7, 2021 by admin

Owning a classic car is a fun and entertaining experience for many people. But what if you need to upgrade your vehicle or add aftermarket parts to keep it running? Will your classic car insurance help you, or are you out of luck? Thankfully, we at Meiners Insurance can help Avon Lake, OH classic car owners understand more about this fact to fully protect your car.

What To Know About Customization and Insurance

Typically, a standard auto insurance policy won’t cover your modifications or customization job is done to a vehicle. However, you can get supplemental insurance that helps with changes and aftermarket upgrades. And with classic car insurance, you might get this type of policy at no extra cost.

That fact all depends on many factors. First, classic car insurance is designed specifically for older vehicles that have been classified as “classic.” And it helps to cover changes to the car that may be necessary to keep it in a classic or operative state.

As a result, it is possible that your classic car insurance could cover the modifications that you make to your vehicle. However, it is essential to know that not all policies are made the same. Some companies may not provide this option, leaving you in a challenging situation. Or states may limit the coverage options insurance companies can provide.

What Can You Do About This Situation?

If you own a classic car and want to find an insurance policy covering your modifications, please contact us at Meiners Insurance right away to learn more. We serve the Avon Lake, OH area and beyond and will work with you during this process. Our team can help you find a high-quality insurance policy that makes sense and which will help.

4 Tips for Storing Your RV in the Off Season

Posted on July 30, 2021August 7, 2021 by admin

Easy Ways to Protect Your RV During the Winter

You’re in the middle of enjoying life on the open road right now, but cooler weather is just around the corner. At Meiners Insurance, we like to help our clients in Avon Lake, OH protect all of their assets, including their recreational vehicles. While a solid insurance policy can protect your recreational vehicle from damage and protect you from liability, there are also simple steps you can take to winterize your RV and keep it in top condition for years to come.

Three Ways to Protect and Store Your RV for the Winter

Clean it Thoroughly, Inside and Out. You’ve heard of new car smell, but what about musty RV or boat smell? Anytime you’re storing a recreational vehicle for the winter, you should give it a top to bottom cleaning so that you don’t come back to unpleasant odors, stale air, or, worse, bugs and rodents. Pay special attention to the floors, fridge and cabinets, making sure all food and crumbs are removed. Applying a wax coat as your final stage of cleaning will protect your RV from UV damage.

Unplug Everything! Next, go through your RV and unplug everything. And we mean everything. Turn off the main circuit breaker, unplug all appliances, remove batteries from clocks, flashlights, and other gadgets. Finally, remove the RV’s battery and store it in a cool, dry place. Do not leave your RV connected to shore power for the entire off-season as this can deplete your cell battery. Instead, keep the battery on a maintenance charger designed for long-term storage. Taking these steps will prolong the life of your RV and prevent short circuits and fires.

Plug Everything! We know we just told you to unplug everything, but you should also plug (or cover) everything. Critter damage and sun damage are two dangers recreational vehicles face during the off-season. To protect from nesting birds and rodents, step inside your RV when you’re ready to store it and see if light is getting in anywhere. If light can get in, then small animals can get in. Use expanding foam or wadding to plug all entryways. To protect against sun damage, either choose covered storage or use a tarp to keep your RV fully covered throughout the winter.

Top Off All Fluids. Last but not least, take a moment to get an oil change and make sure all your fluids are topped off. Fuel naturally deteriorates while an RV is in storage, so add a fuel-storage stabilizer to the tank to keep the air around the fuel from condensing and to prevent deterioration.

Taking these four simple steps will ensure that you’re ready to roll at the first signs of spring and keep your RV running smooth for longer. Looking for more ways to safeguard your assets? Contact Meiners Insurance to request a quote for Recreational Vehicle Insurance. We’ll protect your investments so you can spend your time enjoying the open road.

Meiners Insurance