Should I Bundle My RV Insurance? Pros and Cons

Posted on March 28, 2025March 19, 2025 by admin

Plenty of families and individuals love to venture into the great outdoors with RVs like their campers, ATVs, and other recreational vehicles. As with any other major asset you own, insurance coverage is of the utmost importance. But there are two ways that you can cover these vehicles: getting coverage for these items individually or bundling your RV coverage with other types of coverage like home insurance. You might ask, should you bundle your RV insurance? Here are the inherent advantages and disadvantages of bundling and how you can find RV insurance coverage with the team here at Ken Boldt Insurance Agency II Inc. in Green, OH.

Pros and Cons of Bundling RV Insurance

Bundling RV insurance can be beneficial for a wide range of reasons. Firstly, bundling can help you simplify all of the different types of insurance coverage you need to cover all of your assets. But more than that, most people bundle because it can generally be cheaper overall. By bundling your RV insurance with other types of insurance, you might be able to save on your premiums and your deductibles, which is a major bonus.

However, that’s not always the case. Bundling can sometimes be more expensive than purchasing each type of insurance individually. The biggest downside is that the bundle you’re looking for may not be available. If you do find it and wish to change your approach to insurance coverage at any time in the future, canceling your bundled policies and buying individual coverage can be a complex and time-consuming process. Weigh all of these points before committing to any one option.

Find RV Insurance With Us!

Are you ready to get coverage for your RVs? Ken Boldt Insurance Agency II Inc. in Green, OH, is always here to simplify shopping. Compare quotes seamlessly with us today!

Green OH Bikers: Is Your Motorcycle Covered for Theft and Natural Disasters?

Posted on February 28, 2025February 18, 2025 by admin

For local bikers in Green, Ohio, nothing quite compares to the thrill of hitting the open roads. However, motorcycle owners must safeguard their two-wheeled investment against natural and man-made disasters.

With expert advice from Ken Boldt Insurance Agency II Inc., you can discover how to protect your bike from theft and natural disasters.

Securing Coverage for Theft and Natural Disasters in Ohio

Not all motorcycle insurance policies automatically include coverage for theft, vandalism, natural disasters, or severe weather, which can occur unexpectedly.

The first step towards safeguarding your bike from the devastating impact of life’s inevitable storms is to consult a trusted local insurance agent. They can ensure you have a well-structured motorcycle insurance policy covering you and your bike from common and uncommon perils.

For instance, liability-only insurance policies may not necessarily cover damage or replacement costs associated with a natural disaster or theft.

Basic motorcycle insurance policies only provide minimum state coverages to protect other drivers on the road in the event of an at-fault accident. This entry-level insurance can also provide some legal liability protections for policyholders. However, serious bikers seeking comprehensive coverage often opt for comprehensive motorcycle insurance coverage.

Comprehensive Motorcycle Insurance in Green, OH

Comprehensive motorcycle insurance policies elevate your coverage by offering insurance protections from collisions and non-collision-related incidents. The best way to understand the limits of your existing policies and learn how to choose the best coverage for your unique situation is to consult a licensed and knowledgeable insurance agent.

When you contact our offices in Green, Ohio, today, Ken Boldt Insurance Agency II Inc. agents can offer professional advice and a comprehensive motorcycle insurance quote.

Customizing Boat Insurance for Jet Ski and Watercraft Owners

Posted on January 24, 2025January 21, 2025 by admin

Whether you’re enjoying a leisurely ride on the waters of Nimisila Reservoir or an adrenaline-fueled jet ski adventure on Portage Lakes, ensuring you have adequate insurance to protect your watercraft is essential for local jet ski owners.

Let Ken Boldt Insurance Agency II Inc. experts in Green, Ohio, guide you through tailoring boat or watercraft insurance to cover your jet ski.

Creating a Custom Watercraft Policy in Ohio

Local jet ski owners have several options for insuring themselves, their watercraft, and other passengers on local waterways. The most basic insurance protection includes liability insurance, which helps protect policyholders from financial and legal damages associated with at-fault jet ski accidents.

Liability insurance offers an initial layer of protection that can be extended to cover your vessel and water-based emergencies when you opt for comprehensive or collision Coverage.

Collision Coverage is a type of watercraft insurance that helps pay for repairing or replacing your watercraft if it’s damaged in an accident, regardless of who is at fault. This extension of liability insurance provides peace of mind for jet ski owners who want to protect their vessel from total financial loss.

Comprehensive Coverage provides solutions for water-based collisions and non-collision-related incidents that could otherwise lead to substantial out-of-pocket expenses. This full-service protection covers non-collision-related events such as theft, vandalism, natural disasters, and other covered perils.

Speak with a trusted local insurance agent to learn more about the rules and regulations for boating on local waterways and determine which insurance protections are best for you.

Our knowledgeable and friendly agents can offer advice and provide you with a customized watercraft insurance quote when you contact Ken Boldt Insurance Agency II Inc. today!

How Umbrella Insurance Helps Rental Property Owners

Posted on December 23, 2024December 18, 2024 by admin

Protecting your rental property and other assets is vital for property owners. In addition to the landlord insurance needed to protect your rental properties, many property owners supplement their landlord insurance with easy-to-obtain umbrella insurance to provide an extra layer of protection. Our Ken Boldt Insurance Agency II Inc. team, serving Green, OH, can help structure coverage to best meet your rental property owner insurance needs.

Landlord and Umbrella Insurance

Landlord insurance is comparable to many home policies in that it covers:

– Damage to the property resulting from fire, vandalism, and other covered perils

– Appliances and other non-dwelling assets at the rental property

– Medical payments and personal liability for injuries related to the property

Landlord insurance has coverage limits that apply to the liability portion of landlord policies. If you are liable for an amount exceeding your landlord’s policy limits, umbrella insurance supplements it and pays the remaining liability up to the umbrella policy’s limits. Umbrella insurance is seldom activated but helps avoid financial catastrophe when it applies.

Umbrella insurance also provides advantages for people who own property in multiple states. Rental property owners often gain some protection by forming LLCs or legal entities in each state. However, the process requires time and money, while acquiring umbrella insurance that covers multiple properties is simple and quick.

Your choices regarding insurance for your rental properties will depend on your situation and risk tolerance. Still, discussing your needs with a skilled and experienced agent who can help you make the appropriate decision can be very helpful.

Working with Ken Boldt Insurance Agency II Inc.

The Ken Boldt Insurance Agency II Inc. team serves Green, OH, and has years of experience helping rental property owners protect their assets. Call (330) 896-1500 to discuss your options.

How Often Should I Review My Condo Insurance?

Posted on November 20, 2024November 19, 2024 by admin

Your condo insurance policy offers financial protection when covered events occur. Under these circumstances, having condo insurance can help you save money when your belongings are damaged or destroyed. Your condo insurance policy only covers a certain amount.

Inflation can make it harder to cover the cost of repairing and replacing what you own if your insurance policy isn’t updated periodically. At Ken Boldt Insurance Agency II Inc., servicing Green, OH, we can help. We help our clients review their policies as needed and can help you, too. Below is what you should know about reviewing your condo insurance policy.

Why Should You Review Your Condo Insurance?

You should review your condo insurance to ensure its maximum limits are high enough to repair or replace everything you own if a covered event occurs. You might have spent $100 buying your television many years ago, but today, if your television needs to be replaced, you might spend a lot more. These cost changes can mean that your condo insurance policy needs to be updated to keep up with these costs.

How Do You Review Your Condo Insurance?

Review your condo insurance by reviewing your policy and determining whether the coverage amounts are adequate with today’s pricing. If you struggle with this, your insurance agent can help you with it.

How Often Should You Review Your Condo Insurance?

Review your condo insurance policy once per year. It’s best to do it at the same time every year to avoid forgetting. At Ken Boldt Insurance Agency II Inc., servicing Green, OH, we can help. Call us to go over your policy and determine whether it needs to be updated.

How Auto Insurance Helps Protect You from Lawsuits

Posted on October 21, 2024October 16, 2024 by admin

While we all hope for a smooth journey on the road, accidents can occur. When they do, having the right insurance can make a significant difference. At Ken Boldt Insurance Agency II Inc. in Green, OH, we understand the importance of protection against potential lawsuits.

Deciphering Liability Coverage

Liability coverage is a crucial part of auto insurance that protects you from financial hardship if you’re deemed responsible for an accident. This coverage handles the legal costs and any damages you’re obligated to pay up to your policy’s limits. Without it, you could find yourself paying out of pocket, which can be financially devastating.

Guarding Your Assets

Imagine being involved in a severe accident, and the other party decides to sue for damages. If your liability coverage is insufficient, your personal assets—like your home or savings—could be at risk. Auto insurance helps safeguard these assets by covering costs associated with legal claims.

Driving with Peace of Mind

Knowing you’re covered can provide peace of mind while driving. Auto insurance doesn’t just protect your finances; it also ensures that you have support when you need it most. Whether it’s dealing with legal fees or negotiating settlements, your insurance policy serves as a safety net.

Contact Us Today for More Information or To Get Started

At Ken Boldt Insurance Agency II Inc., we’re dedicated to providing auto insurance to residents in and around the greater community of Green, OH. We’re committed to helping you find the right coverage that suits your needs. Contact us today to learn how we can protect you from potential lawsuits and provide peace of mind on the road.

What’s the Difference Between a Commercial and Personal Auto Insurance Policy?

Posted on September 30, 2024September 24, 2024 by admin

Understanding Commercial Auto Insurance Requirements in Ohio

If you operate a business in or around Green, OH, you need to meet specific legal requirements when purchasing necessary commercial insurance policies, including commercial auto insurance.

Determining the Need for a Commercial Auto Insurance Policy

A commercial auto insurance policy becomes a necessity under specific conditions. You’ll require it if your business involves traveling to customers’ residences to deliver services, make sales, or make deliveries. Commercial auto insurance becomes crucial if your line of work entails frequent trips to local markets to sell your products. Additionally, if a part-time or full-time employee is expected to drive your vehicle, you must have a commercial policy in place.

Coverage Under Basic Commercial Auto Insurance

A basic commercial auto insurance policy provides similar coverage to personal auto insurance. The minimum policy requirements parallel those of personal auto insurance. However, without a commercial policy, your insurance provider won’t cover any damages if the vehicle is involved in an accident while being used for business purposes—even if the accident wasn’t your fault.

Commercial auto insurance does not cover injuries sustained by an employee driving your vehicle—a worker’s compensation insurance policy typically covers this. However, you can obtain other forms of commercial insurance to protect business tools and products that you transport in your vehicle.

Get In Touch with Ken Boldt Insurance Agency II Inc. For More Information

Ken Boldt Insurance Agency II Inc. offers a variety of commercial auto insurance policy options to business owners operating in the Green, OH area. You can opt for standalone commercial auto insurance or bundle it with other commercial insurance policy types. Feel free to reach out to us whenever it works best for you to gather more information or request policy quotes.

Home Security to Prevent Damage and Theft

Posted on August 30, 2024August 20, 2024 by admin

Your homeowner’s insurance policy protects your residence and its contents. In addition to keeping your insurance policy current, use measures to provide your residential property with adequate security.

Review Your Insurance

Review your existing insurance policy. Make sure that it covers all the items that you currently own. If you plan on making any investments in the future, you will likely want to add them to your existing policy. Your policy should cover any items of value. The value items should include structural materials, furnishings, decor, and personal possessions.

Security Assessment

Perform a security assessment. Adequate security will minimize the risk of damage and theft to your property and ward off the need to file an insurance claim.

Inspect your home and your property. Take note of any materials or personal possessions that are at risk of theft or damage. If you decide to upgrade how you store items, keep track of the modifications you have chosen. These modifications should be addressed when you are ready to upgrade your existing insurance policy.

Additional Security

Floodlights, motion detectors, smoke alarms, and a fire suppression system will help keep your property safe. It is in your best interest to install these items.

During your assessment, determine which parts of your property and home would benefit from the addition of security devices.

Agent Assistance

Contact one of our Ken Boldt Insurance Agency II Inc. representatives as soon as possible. An agent representing the Green, OH region will update your home insurance policy.

Do I Need Renters Insurance If My Landlord Has Insurance?

Posted on July 30, 2024July 23, 2024 by admin

A homeowner’s insurance policy is designed to safeguard your property in the event of theft or a disaster causing significant damage. It also includes other aspects, such as liability coverage. As a renter, it might seem unnecessary to invest in such insurance as you don’t specifically own the property. Moreover, if your landlord already owns an insurance policy, you may feel that’s enough protection. But is that actually the case? Let us at Ken Boldt Insurance Agency II Inc. help you unravel this complex issue and understand what coverage you need as a renter in Green, OH.

Is Renter’s Insurance Necessary If Your Landlord Is Already Insured? Yes

The landlord’s insurance is intended to protect the property the landlord owns. However, it doesn’t necessarily extend this protection to you as a renter. Your landlord’s insurance won’t cover situations such as personal injuries within your rental, theft or destruction of personal belongings, or additional expenses if you are forced to vacate your home. The landlord’s insurance is designed to safeguard the landlord, not the tenant. Hence, it would be best if you had renter’s insurance for comprehensive coverage, including protection against emergencies and coverage for all the belongings within your rental.

Looking for Renter’s Insurance? Partner with Ken Boldt Insurance Agency II Inc.

Are you looking for renter’s insurance that provides comprehensive protection? Ken Boldt Insurance Agency II Inc. in Green, Ohio, is prepared to help you identify a policy that suits your unique needs. You can compare quotes today or contact our team for additional support in your insurance journey.

Storing Your RV: Insurance Considerations for Seasonal Use

Posted on June 28, 2024June 24, 2024 by admin

Some tasks are more evident than others when it comes to storing your RV. When creating a maintenance checklist, you should include tasks such as disconnecting the propane and pest-proofing your camper. However, other tasks are equally essential. The team at Ken Boldt Insurance Agency II Inc. in Green, OH, has compiled the following tips to help you keep your RV road-ready while potentially saving on insurance costs.

Security Is a Top Priority

Anyone can attach their vehicle to your RV without a hitch lock and drive away. This scenario could potentially dampen your camping trip, cost you thousands of dollars in lost items, and cause the headache of filing an insurance claim. It’s advisable to periodically change the entry locks in your driveable RV to keep unauthorized individuals out of your traveling home while it’s in storage. Before storing your RV in a rental facility, check out online comments and consult with the BBB concerning the company’s reputation.

Check the Pantry, Freezer, and Refrigerator

Leftover food can cause foul odors, making your RV uninhabitable. Therefore, it is crucial to remove all food products before storing your RV for the off-season. This step is also a great way to avoid attracting hungry critters that may infest your vehicle in search of free treats. We recommend leaving the fridge and freezer open to air out before storage.

Prepare Your Batteries for Storage

If you own a driveable RV, you’ll need to store your chassis battery and house batteries in a secure location. Prepare the house batteries for long-term storage for RVs towed behind your vehicle. Disconnect the batteries and trickle charge them using 30/50 amp chargers, which are typically available at most storage facilities.

Check Your RV Insurance Policy

Before choosing a storage facility, ensure it meets the criteria specified in your insurance policy. Also, review exactly what your insurance covers. For example, determine whether your RV insurance will reimburse you for stolen items.

Contact Ken Boldt Insurance Agency II Inc. agents in Green, OH, to schedule an evaluation of your existing RV coverage or to receive a free quote for a new RV insurance policy.

Ken Boldt Insurance Agency II, Inc.

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