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Ken Boldt Insurance Agency II, Inc.

2205 Greensburg Rd
Green, OH 44720

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Do You Need Tornado Coverage for Your RV?

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Years ago, tornadoes in Green, OH, and the surrounding areas were rare. But recent years have revealed a new trend, leaving many wondering if they need to upgrade their coverage. 

How Common Are Tornadoes in Ohio?

Since the 1950s, OH has experienced an uptick in tornadoes annually. The state used to experience a handful of tornadoes per year. Now, it can see as many as 50, 60, or even 70, according to the National Weather Service. 

Many attribute the recent changes in weather patterns to favorable conditions for tornado formation. Others note that Tornado Alley appears to have shifted eastward and now includes OH and surrounding states, such as Kentucky.

Scientists and news articles cite several reasons for this shift. Most attribute it to climate change and the warming of the Gulf of Mexico. Others say the planet is in a warming cycle that is driving the Gulf’s warming. Whatever the cause, it doesn’t seem to be going away anytime soon. 

Do You Need Tornado Insurance?

Now more than ever, it’s crucial to ensure that tornado coverage is included in your RV insurance. Seemingly minor storms spawn tornadoes, leaving a path of destruction through towns and rural areas. You may be fine now, but you could see an F4 tornado through your yard next spring. As climates continue to shift, tornadoes can get deadlier and more destructive than we’ve seen in previous years. 

Here at Ken Boldt Insurance Agency II Inc., we understand the concern surrounding new weather patterns. Our experienced agents work with Green, OH, residents to ensure they have the coverage they need before tornado season starts. Contact us to learn more. 

Is Motorcycle Insurance the Same as Motorized Scooter Insurance?

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Have you noticed more scooters on the streets of Green, OH? If so, you are not alone. Though scooters aren’t as common as motorcycles, they are on-trend.

The question begs: Are there differences between motorcycle insurance and scooter insurance? Ken Boldt Insurance Agency II, Inc. has the inside scoop.

Get the Right Insurance

If you are unfamiliar with transportation insurance outside of traditional car insurance, rest assured you are not the only one. There are substantive differences between car insurance, motorcycle insurance and scooter insurance.

The state of Ohio does not categorize scooters (also known as mopeds) as motor vehicles. Therefore, scooter insurance is not necessary in Green, OH.

Ohio considers motorcycles to be motor vehicles, meaning they must be insured. Part of the logic in defining motorcycles as motor vehicles yet not including mopeds in this categorization is their respective levels of power. Most mopeds rarely move at a rate of speed beyond 35 miles per hour, so there is an argument to be made that they are relatively safe, especially when compared with motorcycles.

When in Doubt, Opt for Insurance

Regardless of whether you are buying a motorcycle or scooter, it is in your interest to obtain insurance. If someone slams into you with an automobile or if your motorcycle or scooter is damaged when parked, insurance constitutes a financial lifeline.

Moreover, there is a chance someone will steal your motorcycle or scooter, meaning you should have insurance the day you buy it. Check out the monthly premiums for scooter and motorcycle insurance and you’ll find they are surprisingly affordable.

Scooter and motorcycle rates are determined by variables ranging from make and model to storage space, frequency of use and riding experience. Both have similar insurance in the form of comprehensive, liability, collision and underinsured/uninsured motorist coverage.

Get a Quote From Ken Boldt Insurance Agency II, Inc. 

Are you planning on buying a motorcycle or automobile? Maybe you are in the market for a lower monthly premium. We’ve got you covered. Give us a call for a personalized quote. We serve the Green, OH area.

Do You Need Insurance for a Jet Ski or Personal Watercraft?

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No, Ohio doesn’t require boat insurance by law. However, there are many reasons to protect your favorite water toys. For example, you may need proof of financial responsibility to register your equipment. Otherwise, you may end up paying for injuries and damages out of pocket if you cause an accident. At Ken Boldt Insurance Agency II Inc., we offer comprehensive boat/watercraft insurance to residents in and around Green, OH.

Four Reasons To Purchase Boat/Watercraft Insurance

Jet skis are fast and sometimes unpredictable, making them prone to accidents. Without insurance, you could be on the hook for medical bills and property damage after an accident. Here are four reasons you need full coverage before zooming across the local waterways on your personal watercraft. 

First, if you take out a loan to pay for your jet ski or other watercraft, your lender may require proof of insurance as a condition of the loan. Second, boat insurance pays for repairs needed after a collision or storm. Physical damage from lightning, theft, and other covered perils can cost a lot to repair. For the most severe damage, you may also need help salvaging your equipment. Our team can you choose the right policy options to handle the most common dangers to your vessel.

Third, you’ll need liability coverage whether you use your Jet Ski solo or plan to entertain friends on it. This coverage option handles situations where you may accidentally damage someone else’s watercraft or property. It often includes legal fees after an accident. Fourth, medical bills to pay for injuries sustained while on your Jet Ski can add up quickly. Having the right insurance will help cover expenses that exceed your deductible. 

Contact the team at Ken Boldt Insurance Agency II, Inc. to meet with an agent about boat/water insurance. We’re happy to review your current boat insurance policy and make suggestions to enhance your coverage so you can enjoy the serene waterways near Green, OH, with peace of mind. 

Umbrella Insurance: Coverage for Situations Your Standard Policy Doesn’t Handle

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Your umbrella insurance coverage can help if you’re ever faced with a lawsuit. Review some scenarios where your umbrella coverage will be useful to you as a business owner.

Lengthy Legal Battles

A lengthy legal battle could put a financial strain on business operations. Being involved in a lawsuit requires proper legal counsel. If you cannot easily front the money to defend yourself in a lawsuit, having umbrella insurance could be beneficial.

Umbrella insurance is designed to provide protection during legal proceedings. An umbrella insurance policy provides extra coverage that your standard business insurance policy doesn’t. Once you have met your limit through your commercial policy, the coverage that the umbrella insurance provides will be activated.

Protection for Legal Responsibilities

You may be ordered to pay legal fees at the end of a court case. An umbrella insurance policy may provide protection that will keep out-of-pocket costs down.

Once you have exhausted the coverage your standard commercial insurance policy provides, the coverage from an umbrella insurance policy will come into play. And you’lll avoid being responsible for paying out large sums of money.

Insurance Consultation with A Qualified Agent

Would you like to find out more about umbrella insurance coverage and the types of situations it could be used for? Schedule a one-on-one meeting with one of our agents serving Green, OH.

A Ken Boldt Insurance Agency II Inc. agent will review your business plan and determine if umbrella insurance is a good fit for you.

Will Condo Insurance Cover A New Roof If The Master Policy Won’t?

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A master condo insurance policy is designed to cover shared elements of a condo building, such as the roof, as well as shared amenities like a swimming pool or dog park. But what happens when the master policy doesn’t provide enough coverage?

Understanding Condo Insurance

Individual condo owners in Green, OH, may be required to pay for a portion of repairs, such as a new roof, through their own insurance policies. Some policies include provisions for situations where the building requires repairs, and each condo owner is responsible for contributing a portion of the costs. Coverage details can vary depending on the insurance company. Representatives at Ken Boldt Insurance Agency II Inc. can help you understand your specific coverage.

Responsibilities of Condo Owners

When the master policy falls short in covering repairs or replacements, the Condo Association or HOA often asks all owners to contribute to the costs. Typically, each owner pays a fair portion to ensure the expenses are distributed evenly. These arrangements can vary depending on the building owner or HOA. Always review the fine print of any agreements to understand your responsibilities and avoid unexpected bills.

How HOA Fees Help

In many cases, condo buildings have HOAs that charge monthly fees. These fees are often set aside to cover additional costs, such as a new roof or upgrades to shared amenities. If the master policy doesn’t cover the full expense, the HOA may use these funds to make up the difference.

It’s crucial to understand how your condo insurance policy works. Agents at Ken Boldt Insurance Agency II Inc. can help you learn more about your coverage options. Contact us today. We’re currently serving the Green, OH, area.

Teen Drivers and Auto Insurance: What Parents Need to Know Beyond the Rates

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Adding a teen driver to your auto insurance policy often results in a noticeable increase in premiums, but the cost is only part of the equation. Equally important is understanding what your coverage does—and doesn’t—protect, so you can safeguard both your teen and your finances.

Understanding Coverage Basics

Liability coverage, which is required in most states, including Ohio, pays for injuries or property damage caused by your teen in an accident. Comprehensive and collision coverage, while optional, can cover repairs or replacement costs for your vehicle in cases of theft, vandalism, or certain types of damage.

If your teen’s car has custom parts or upgrades, you may need additional coverage to protect those items. Unsure if this applies to you? Contact your insurance agent at Ken Boldt Insurance Agency II Inc., serving Green, OH, for clarification.

Why Higher Limits Are Worth Considering

Teens are at a higher risk for accidents due to their inexperience behind the wheel. Minimum state liability limits may not be sufficient to cover the costs of a serious accident. Increasing your liability limits provides a stronger financial safety net if your teen is found at fault for significant damage or injuries.

Protection Against Uninsured Drivers

If your teen is involved in an accident with a driver who has insufficient insurance—or no insurance at all—uninsured and underinsured motorist coverage can help cover repair and medical expenses. This coverage is relatively inexpensive and can save you from paying thousands out of pocket.

Encouraging Safe Driving Habits

Many insurers offer discounts for teens who maintain good grades, complete driver safety programs, or participate in telematics monitoring. These tools not only reduce premiums but also help teens develop safer driving habits early on.

Adding a teen driver to your policy isn’t just about managing higher costs—it’s about building the right protection. Reviewing your coverage carefully now can help you avoid costly surprises later. Contact your insurance agent at Ken Boldt Insurance Agency II Inc., serving Green, OH, today to learn more.

Intrastate Motor Vehicle Registration Requirements

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If you’re a business owner, one of your top priorities should be ensuring your company is protected with sufficient commercial insurance. Selecting the right policies can be challenging, and some business owners may need guidance to make informed decisions. If your business is located near Green, OH, the team at Ken Boldt Insurance Agency II Inc. is here to help. We’ve been proudly serving businesses like yours since 1980.

Intrastate Motor Vehicle Registration Requirements

Many businesses operate within Ohio, and as a result, intrastate vehicles must be insured with a commercial vehicle insurance policy. According to the Ohio Public Utilities Commission, an intrastate vehicle transports cargo between two points within the state. These vehicles fall into two categories: private vehicles (transporting company-owned cargo) and for-hire vehicles (transporting goods owned by other companies). All for-hire vehicles are required to have a Certificate of Public Convenience and Necessity (CPCN).

A CPCN is obtained through the Ohio Public Utilities Commission and must be renewed annually. As part of the renewal process, businesses must submit information about the vehicle insurance for each intrastate vehicle. Private carriers, however, are not required to obtain a CPCN.

Call Us for Your Appointment Today

Commercial insurance is crucial for businesses in Ohio. At Ken Boldt Insurance Agency II Inc., we can help you explore property, liability, and workers’ compensation insurance policies, as well as recommend other types of coverage that may benefit your business. Companies near Green, OH, trust us for excellent client support and customer service. Contact us today to schedule an appointment and let us help protect your business.

Does My Homeowner’s Insurance Cover My Home Office?

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These days, many people living in Green, Ohio, work from home. If you have a home-based business, chances are you have a dedicated space where you conduct your business activities. But will your homeowner’s insurance cover any potential losses? Ken Boldt Insurance Agency II Inc. can help you fully protect your home office.

Does Homeowner’s Insurance Cover Your Home Office?

A standard homeowner’s policy provides some protection for items related to your home business. However, this coverage is often limited and may not be comprehensive enough to meet your needs. Most homeowners’ policies cover equipment in your home office up to a certain amount, typically around $2,500. If your office consists of basic items, such as a computer, printer, and similar equipment, this coverage may be sufficient. However, for more extensive setups, additional protection may be necessary.

Additional Policies to Consider

While homeowner’s insurance offers some coverage, it does not provide liability protection for your business activities. If you work in industries that involve offering advice or services to clients—such as accounting, advertising, public relations, or graphic design—you should consider professional liability insurance, also known as errors and omissions insurance. Additionally, general liability insurance or an umbrella policy is a wise choice if clients visit your home.

Depending on the type of business you run, you may need specialized policies. For example, if you maintain inventory on your premises or manufacture baked goods or other items, you should consider insurance to protect those investments. Some insurers may allow you to add an endorsement to your homeowner’s policy to cover your operations adequately.

Learn more about how to adequately protect your home business by contacting Ken Boldt Insurance Agency II Inc., serving residents of Green, OH. Contact our office today to schedule an appointment.

Is Renters Insurance Required for Investors in Ohio?

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If you’re a real estate investor, protecting your investments and assets as much as possible is crucial to prevent avoidable or preventable losses. For those investing in properties in Green, OH, you may be wondering if renters’ insurance is legally required. At Ken Boldt Insurance Agency II Inc., we assist our clients through the process of researching, reviewing, and selecting comprehensive insurance policies and plans that provide maximum protection, whether you’re an individual renter or an experienced commercial investor.

Is Renters’ Insurance Required for Property Investors in Ohio?

No, renters’ insurance policies are not legally required for property investors in Green, Ohio. However, it’s often beneficial for landlords or property owners to require tenants to purchase renters’ insurance if a unit or home is being leased or rented out.

Why Renters’ Insurance Should be Required by Landlords and Investors

If you are an investor or landlord, it’s advisable to require tenants to purchase renters’ insurance to:

  • Protect against liability claims that may be filed against you.
  • Protect your tenants’ belongings in case there is an issue with your building’s structure.
  • Encourage your tenants to be responsible and vigilant when it comes to protecting their surroundings and their property.

Although it’s not legally required for investors in Green, OH, to purchase and maintain renters’ insurance, it’s always advisable to require your tenants to do so before leasing a home, apartment, or facility to them. The more prepared you are in advance, the less likely you are to encounter issues with filing claims or working with your insurance agency should an accident or event occur. To learn more about renters’ insurance requirements for tenants and property owners in Green, contact Ken Boldt Insurance Agency II Inc. today.

Insurance Coverage to Pursue If Your Motorhome Will Be Used as A Secondary Residence

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If you plan to park your motorhome on a seasonal basis, you might consider the RV as your secondary residence. Ensuring your property is adequately insured will protect you against financial loss.

Property Protection

Your motorhome policy can cover furnishings, appliances, and other property that you own. Property coverage will protect you against theft and intentional damage to your possessions.

If criminal activity occurs within your motorhome, your insurance policy will prevent you from being financially responsible for the cost of repairing or replacing the items affected during the criminal event.

Addressing Liability Concerns

Since you’ll be using your motorhome as a secondary residence, you might be concerned about the possibility of a visitor sustaining an injury on your property. You might also worry about the risk of physical damage occurring to another person’s property.

Liability coverage designed for motorhomes will protect you against unexpected legal concerns. This type of insurance will cover legal fees, repairs, and other expenses you may face if you are sued by another party in the future.

Protection Against Natural Weather Events

Adverse weather could damage your motorhome. If you have coverage that protects against natural disasters, you can seek repairs as needed. Your insurance policy will outline the types of natural disasters it covers. A motorhome insurance policy can cover high winds, floods, and hail.

Consult With An Insurance Agent in Ohio

Please speak to one of our representatives at Ken Boldt Insurance Agency II Inc. An agent serving the Green, OH region will recommend insurance coverage types that are right for you. Once you have selected the coverage you prefer, you can request that your motorhome insurance policy be updated.

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