Why Condo Insurance Is An Asset

Posted on July 30, 2020July 30, 2020 by admin

Ken Boldt Insurance Agency II, Inc. helps Green, OH residents find the insurance coverage that they need. We assist our clients by offering multiple insurance policies. We also strive to provide excellent customer service.

The Important of Condo Insurance

As a condo owner, you’ve likely invested a lot of time and energy into making your property look good. In order to protect your investment, explore the benefits of condo insurance. Condo insurance covers the entire property as well as your personal belongings inside the units.

The policy covers any issues related to your appliances and different fixtures. If your bathroom is damaged, condo insurance will cover it. If you have any problems with the walls and flooring of the condo, those things are also covered under the policy.

Your personal belongings are covered if your clothes or electronics are stolen. The coverage also applies if your furniture is vandalized. However, if you have very valuable items like jewelry or art, you may have to amend your policy to include extra coverage. Liability coverage is crucial because it protects you if someone is injured while visiting your condo. You can also alter your policy so that you are prepared in the event of an unfortunate circumstance. Make sure that your policy includes natural disaster protection so that you are covered if a flood comes through the area or a severe thunderstorm damages the area. You can also add umbrella insurance to your policy for extra security. You can add loss of use coverage to your policy. That will protect you if your condo becomes damaged, and you have to stay somewhere else while your condo is repaired.

Ken Boldt Insurance Agency II, Inc. Can Help You

If you are a condo owner in Green, OH, we will work with you to help you protect your investment.

How to Care For Your Vehicle

Posted on June 26, 2020June 26, 2020 by admin

Your auto insurance is there to help in the event of an accident or other issues with your vehicle. However, if you want to extend the life of your vehicle, you need to do what you can to care for it. Our staff here at Ken Boldt Insurance Agency II, Inc. has several tips and suggestions for you, so if you live around Green, OH, here are a handful of tips and recommendations you need to follow.

Maintenance Schedule

Follow the recommended maintenance schedule listed in your owner’s manual. This indicates when certain fluids need to be changed, wheels need to be rotated, and when parts need to be installed. It helps you avoid more costly repairs.

Check Your Fluids

Speaking of fluids, it is crucial to know how to check your fluids. This is a simple process, but one that keeps your vehicle running smoothly. Fluids like your engine oil, transmission oil, power steering fluid, brake fluid, and coolant can be topped off, which will help maintain your vehicle performance (just make sure not to overfill).

Car Wash

Take your vehicle in for a regular car wash. This is especially important during the winter months when there is snow salt that will stick to the underside of your vehicle and rust it out. The regular car wash will remove this. Just make sure to get the undercarriage cleaned during the wash.

Insurance Coverage For Your Vehicle

While you can do your part to take care of your vehicle, you’ll want your insurance provider to do its part to protect your vehicle as well. Our staff here at Ken Boldt Insurance Agency II, Inc. will help connect you with the right auto insurance. If you live around Green, OH, give us a call today.

Five Things to Know about Commercial Insurance

Posted on May 29, 2020May 29, 2020 by admin

As a business owner in Green, OH, you need an understanding of how commercial insurance can be used to protect your business assets, reputation, and employees. There are some things you should know when shopping for commercial insurance with an agent at Ken Boldt Insurance Agency II, Inc.

1. What is commercial insurance?

Commercial insurance can be comprised of different categories. You likely need general liability insurance, property insurance, and commercial auto insurance if you have company vehicles. You may also want to consider workers’ compensation insurance.

2. Why do you need insurance?

Through the different categories, a solid commercial insurance policy can protect your business from theft and damage, protect you if someone is injured at your property, help if your property suffers damage, and insure your company’s cars and drivers.

3. What do you need for a commercial insurance quote?

When getting a quote, you will need information about your property, such as the building dimensions. You also need a record of the property inside, such as office supplies and equipment, machinery, furniture, and mobile equipment. You will need employee and general financial information to help with the liability premium. You also should have your current policy on hand to make sure you aren’t being over or underinsured.

4. Is business insurance deductible?

Business insurance can be deductible if it covers business or trade operations. It is not deductible if it includes any loss of earnings or a self-insurance reserve fund.

5. Is commercial insurance required by law?

In Ohio, you are required to have workers’ compensation insurance if you have one or more employees. Other insurance is not required, but it is always a good idea to have to protect your business.

Contact Ken Boldt Insurance Agency II, Inc. to get a quote on commercial insurance.

Questions to Ask When Choosing Home Insurance

Posted on April 26, 2020April 26, 2020 by admin

When choosing home insurance in Ohio, there are some questions that you want to ask to make sure you are getting the right policy for your needs. Be sure to go over your questions with an agent at Ken Boldt Insurance Agency II, Inc. in Green, OH.

Does your policy cover the replacement cost or actual cash value?

An actual cash value policy will factor in depreciation. If you have a replacement cost policy, then you may just need to pay an out-of-pocket deductible for repairs. Home repair or replacement may be covered at replacement cost, while belongings are covered at actual cash value. You can also upgrade your policy so that your belongings are covered under replacement cost.

Are you covered no matter the damage?

It’s important to note that flood damage isn’t covered, and other natural disasters may not be either.

What belongings are covered?

Your jewelry or artwork may have dollar limits on them. Ask about any restrictions to see if you need to purchase additional coverage.

What endorsements do you have on your policy?

Endorsements are used to make the policy a little more specific to you. This is where you can add additional coverage for some belongings.

Are you adequately covered if someone is injured in the home?

The maximum amount an insurance company will pay in damages or legal bills if you are sued is covered in the liability section of the policy. An agent can help you determine how much liability coverage makes sense for you.

Are all home policies the same?

There are different types of home insurance policies. The HO3 is the most common since it provides coverage for normal loss activities and can be an excellent place to start.

Contact Ken Boldt Insurance Agency II, Inc. in Green, OH to get a quote on home insurance.

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