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Ken Boldt Insurance Agency II, Inc.

2205 Greensburg Rd
Green, OH 44720

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RV Insurance: What You Need To Know

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If you’re planning on hitting the open road in an RV, then you need to make sure that you have the proper insurance coverage from Ken Boldt Insurance Agency II Inc. in Green, OH. Here’s what you need to know about RV insurance, from the types of coverage available to how much it will cost you.

There are three main types of RV insurance coverage: liability, collision, and comprehensive

Liability insurance covers damages that you may cause to other people or property while operating your RV. This is the minimum amount of coverage required in most states, and it’s important to make sure that you have this type of coverage in case of an accident. 

Collision insurance covers damages to your RV if you’re involved in an accident with another vehicle. This type of coverage is important if you have a newer or more expensive RV, as it will help to cover the cost of repairs.

Comprehensive insurance covers damages to your RV that are caused by something other than a collision, such as fire, theft, or vandalism. This type of coverage is not required in most states, but it’s a good idea to have if you want to be fully protected against any possible damages. 

The amount of coverage you need will depend on the value of your RV and how much risk you’re willing to take on. For example, if you have a newer and more expensive RV, you’ll probably want to get more comprehensive coverage than someone with an older and less expensive RV. 

The cost of RV insurance varies depending on a number of factors, including the value of your RV, the amount and type of coverage you choose, and where you live. 

Get RV Insurance Today 

RVing is a great way to see the country and spend time with family and friends. However, before you hit the open road, you need to make sure that you have the proper insurance coverage. At Ken Boldt Insurance Agency II Inc. in Green, OH, we can help you find the right RV insurance policy for your needs. Contact us today to get started.

Reasons You Need Motorcycle Insurance

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When you first buy a motorcycle, you probably can’t wait to get out on the open road. However, you need to make sure that you have motorcycle insurance. Consult with Ken Boldt Insurance Agency II Inc. in Green, OH to learn more about your options.

Here are some reasons why you need this coverage:

It will cover any damage to another vehicle if you were at fault in an accident

If you hit someone when you are out riding, your insurance will cover any damage that occurs to any of the other vehicles involved. 

It can also cover medical (and legal) expenses

Liability insurance will cover any medical expenses that occur due to the accident. If you end up getting sued, it will help you with your legal expenses also. 

If you damage property in your accident, it would also be covered

There are times when you might hit a fence or a shed during your accident, and you would be liable for the damage. Your insurance will cover those expenses. 

If you get collision and comprehensive insurance, it may also cover the damage to your motorcycle

If your motorcycle is totaled, it will give you money to get your next motorcycle. 

You may also be required to get insurance if you took out financing to purchase your motorcycle

Your lender will want to protect their investment and require you to have insurance. 

You should never ride without insurance. It will cover any damage to another vehicle, property, and even the medical bills of those that are injured in the accident. You may also be required to have insurance from your lender. 

Give Us A Call

If you want to make sure that you and your motorcycle are protected, you should contact us today at Ken Boldt Insurance Agency II Inc. in Green, OH. 

What Are Some Common Mistakes People Make When Buying Boat Insurance?

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Choosing the wrong policy or not reading the fine print can lead to some unpleasant surprises when something happens. Many policies have a cancellation clause that goes into effect if the boat is not maintained according to manufacturer recommendations. Others have a provision for declining value if the model is not kept up to date with the latest safety features.

For expert insurance advice, consult with Ken Boldt Insurance Agency II Inc. in Green, OH. 

Common Mistakes & Boat Insurance 

As with any insurance policy, the most common mistake people make when buying boat insurance is failing to shop around and compare quotes from different providers. Boat insurance may seem like a one-size-fits-all product, but there are actually significant differences between policies, even within the same company. Understanding exactly what you need and then researching different providers will help you find the best fit for your situation and save you money as well! 

Not buying enough coverage, not updating the policy when you buy a new boat, or not filing a claim if your boat is damaged are a few common mistakes people make when buying boat insurance. Most insurers will not offer an exact amount for the value of your boat when you apply for a policy. Instead, they will request information about the make and model of your boat, as well as its value when brand new. Ensure you provide all the information the insurer requested to avoid delays in your policy. 

Boats are an investment, and just like any other type of insurance, it pays to do your research. The easiest way to save on boat insurance is to shop around. Many insurers offer an online quote tool, so it’s quick and easy to get a quote for your boat. It’s also important to certify you have the proper boat insurance for your particular boat. Boat insurance may seem like it’s standardized, but there are differences in coverage from one policy to the next. 

Give Us A Call

Finally, it’s important to keep accurate records of your boat maintenance. Buying boat insurance can be confusing, especially for a first-time buyer. While it’s true that insurance isn’t necessary if your boat is tied up and not worth more than its value (typically less than 10%), it’s still a good idea to have it. 

Setting a budget and doing your research are the best ways to avoid common pitfalls when buying boat insurance. If you’re unsure about how to find the right policy for your needs in the greater Green, OH community, give us a call and consult with our agents at Ken Boldt Insurance Agency II Inc.

What Is Umbrella Insurance?

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When you already have home and auto insurance policies, you may feel that you are well-protected against accidents. However, you may not have as much coverage as you need in case of an expensive accident. When you own a home and a vehicle, it’s helpful to have an umbrella insurance policy. To get started with umbrella insurance, give us a call at Ken Boldt Insurance Agency II Inc. in Green, OH.

Umbrella Insurance: What You Need To Know

Home and Auto Insurance Coverage

Having home and auto insurance policies is a smart way to protect your investments as well as protect your financial future. When you have both of these policies, each comes with coverage for liability. This pays for the medical bills, lost wages, and other costs associated with an accident that you are held liable for. These policies often have very little in liability coverage, and that can mean that after the policy has maxed out, you still owe for the charges that are left over. This can leave thousands of dollars in bills left for you to pay. That’s why many people should have umbrella insurance.

How It Works

The home or auto policy comes in first to pay after an accident that you are liable for. Once that policy is maxed out and there are still overages left to pay, your umbrella policy comes in next. It then pays those overages so you won’t have to. It’s important to have this coverage in case of a serious accident that comes with a lot of costs. With umbrella insurance, the policy’s maximum is very high so that it can pay a high level of overages. 

Get Better Coverage

If you already have home and auto insurance, umbrella insurance is a cost-effective way to get better coverage. Call us at Ken Boldt Insurance Agency II Inc. in Green, OH.

What to Know Before Buying Condo Insurance

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If you’re in the market for a condo, it’s important to protect your investment with insurance. But what does condo insurance cover, and how much do you need? Ken Boldt Insurance Agency II Inc. in Green, OH offers a guide on what you need to know before buying condo insurance. 

What to Know Before Buying Condo Insurance

1. What Does It Cover?

In general, it will protect you from any damage to your unit that is caused by fire, smoke, theft, vandalism, or severe weather. It will also provide coverage if someone is injured while on your property. In addition, your condo association’s master policy will likely only cover the building itself – not your personal belongings or liability. That’s where your condo insurance comes in. By having a policy in place, you can rest assured knowing that you and your belongings are protected.

2. How Much Coverage Do I Need?

The amount of coverage you need will depend on the value of your belongings and the amount of liability coverage you feel comfortable with. To get an idea of how much coverage you may need, take an inventory of your possessions and their value. You should also consider how much it would cost to replace any items that were damaged or destroyed. As for liability coverage, you’ll want to consider how much protection you need in the event that someone is injured while on your property.

3. What Will It Cost?

The cost of your condo insurance policy will depend on a variety of factors, including the value of your possessions, the amount of coverage you need, and the deductible you choose. Be sure to shop around and compare rates from different insurers before deciding.

4. Do I Need It?

If you own a condo, the answer is likely yes. As we mentioned above, your condo association’s master policy will likely only cover the building itself – not your personal belongings or liability. So, if you want to be fully protected, you’ll need to purchase a condo insurance policy.

Now that you know what to look for in a condo insurance policy, it’s time to start shopping around. Ken Boldt Insurance Agency II Inc. in Green, OH, can help you find the right policy for your needs and budget. Give us a call today to get started!

 

Understanding Comprehensive Auto Insurance

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Spring is a great time to review your auto insurance coverages to ensure you have the protection you need. Ken Boldt Insurance Agency II Inc. is here to help Green, OH drivers understand your coverage options. 

What is Comprehensive Auto Insurance?

Sometimes known as ‘other than collision’ coverage, this type of auto insurance protects your vehicle from damage from vandalism, theft, fire, civil disturbances like riots, natural disasters, and falling objects. Much like collision coverage, you’ll have a deductible to meet before the claim covers the remainder of your repairs. 

What’s Not Covered by Comprehensive Coverage?

Some types of damages are not covered by comprehensive. These include:

  • Collision damage to your vehicle. 
  • Collision damage to another person’s vehicle. 
  • Maintenance issues. 
  • Water damage related to maintenance issues – like a seal failure or leaving a window open. 
  • Medical expenses for yourself or your passengers that result from an accident. 
  • The cost of a rental while your car is under repairs or non-driveable. Talk to your agent if you will need another set of wheels while yours is out of commission. 

Does Green, OH Require Comprehensive Coverage?

Ohio state law does not mandate that drivers carry comprehensive coverage, but your lender might require it if you are currently leasing or financing. 

Should I Carry Comprehensive Insurance?

The best way to answer this question is to consider how much your vehicle is worth. A good rule of thumb is to consider the rate you’d pay to carry comprehensive and collision coverage and multiply that by ten. If that exceeds the value of your car, it may not be the best investment for you. It’s best to discuss your options with a knowledgeable insurance agent. Call Ken Boldt Insurance Agency II Inc. today; our friendly staff can answer your questions and help you get the coverage that best meets your needs. 

Commercial Insurance FAQ

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If you own a business, it is imperative that you have the right insurance products to protect your investment. Not only have you invested money into your business, but you have also invested your time and your energy. At Ken Boldt Insurance Agency II Inc, serving Green, OH, we make it our business to help you find the right insurance for your business. Keep reading to learn more about commercial insurance. 

How Will Commercial Insurance Benefit Me?

Commercial insurance is a specially designed insurance product made for business owners. There are many layers to running your business smoothly, and each of those layers needs protection. A commercial insurance policy bundles the different types of coverage into a straightforward plan. 

What Types of Coverage Does Commercial Insurance Offer?

Because each business is different, each policy will also be different. Our team can work with you to customize a package that suits your particular needs. In general, though, most commercial policies will offer the following types of coverage:

  • Auto– If you currently use vehicles to run your business, you will need a solid auto policy protecting your drivers and your vehicles. 
  • Property Damage– A commercial insurance policy can provide property damage coverage if you are operating your business out of a brick-and-mortar location. If your property or equipment is damaged or lost due to fire, natural disaster, or burglary, the policy will pay for repairs or replacement. 
  • Liability– As a business owner, you carry a distinct liability risk. If someone is hurt at your place of business, or if someone is hurt because of your goods or services, liability coverage will pay for any expense that could result. 

If you would like to learn more about commercial insurance or any of our other services, please contact us at Ken Boldt Insurance Agency II Inc, serving Green, OH, and the surrounding areas. 

Things home insurance won’t cover

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Whether you are a new homeowner or a seasoned veteran, having the right home insurance is vital to your peace of mind. You want to make sure you have enough coverage but are not paying more than you need to or for things you don’t need. Home insurance protects your home from hazards, but it doesn’t cover everything, and it also has more than just building coverage included. At Ken Boldt Insurance Agency II Inc. in Green, OH, we want to make sure you have the right coverage for you and your home. 

Flooding

While this shocks many homeowners, your home insurance won’t cover you if you are the victim of a flood. At least not for what is known as surface water. If you have a busted pipe, that is covered. Flood insurance is available through FEMA. If you live in an area prone to floods, your lender will require you to carry flood insurance, and it is a good idea since flood damage is very expensive to repair. 

Earth Movement

Earth movement includes things like earthquakes, mudslides, landslides, and sinkholes. All of these are excluded from traditional home insurance. You can add an endorsement to cover these items if it is something you worry about. 

Owner Neglect

Many things can damage your home. Your insurance company expects you to make sure you do the best you can to make things like termites and mold don’t have an opportunity to gain a foothold in your home through the appropriate upkeep. If you don’t, they won’t pay for the damage that results. So get your home treated and do the necessary repairs. 

When you are looking for an independent insurance agent in Green, OH, Ken Boldt Insurance Agency II Inc is the one to call for personal service and a knowledgeable team.

What you need to know about renter’s insurance

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The Ken Boldt Insurance Agency II Inc. is here to serve the insurance needs of the greater Green, OH community. If you are getting ready to move into a new apartment, or you’ve never protected your current place, now is the time to start thinking about renter’s insurance!

ABCs of renter’s insurance

When it comes to renter’s insurance there is still a lot of misinformation floating around. Too many people believe that they are covered under their landlord’s policy. In fact, this is not the case. While your landlord will have a policy in place to protect the building and any common areas, this protection will not extend to your unit.

It is important to have your own renter’s insurance policy in place to protect your belongings. This type of insurance can also protect you from damage caused to the building that impacts your apartment, depending on the policy.

Now is the time to get a renter’s policy in place! Don’t delay getting this important coverage any longer. And, depending on the policy that you select, your items may be protected from theft even when the incident occurs away from home. For instance, there are some renter’s policies available that would provide reimbursement for a stolen bike even if the theft occurred somewhere other than your home. 

Find out more about renter’s insurance today!

Protect your belongings today

Ken Boldt Insurance Agency II Inc. is here to help our neighbors in the greater Green, OH community protect their valuables. If you would like to find out more about the many benefits of renter’s insurance, call or stop by our office today! 

Here’s What Your Home Insurance Needs

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Home insurance is critical for protecting your investment and ensuring that you don’t get in a problematic situation. At Ken Boldt Insurance Agency II Inc., we can help Green, OH residents like you get the long-term protection necessary for avoiding serious issues. 

What Your Policy Needs 

When getting a home insurance policy, it is vital to consider a variety of different protection levels. These include things like:

  • General liability protection 
  • Property damage repair help 
  • Theft loss coverage 
  • Home replacement and repair coverage 
  • Garage and other structure protection 

Depending on what your company provides, you can typically get a high level of protection for each of these policy types. Each naturally breaks down into different replacement or tier levels.

Coverage Types 

Typically, your home insurance policies will come in three different tiers or levels. These will vary based on your insurance company, of course, but usually include:

  • Actual Cash Value – This policy type pays for the true cash value of any items in your home, regardless of their replacement cost.
  • Replacement Cost – Get this policy to pay for the complete replacement of anything damaged or lost in your home, minimizing your potential financial issues.
  • Extended Replacement Cost – Try this type of coverage if you have something that will require comprehensive replacement or repair, such as HVAC systems.

When working with your agent, make sure that you talk to them about what to expect and work hard to find the best policy and coverage options for your needs.

You Deserve Great Insurance 

If you want a homeowner’s insurance policy that meets your needs and is reasonable for your payment plans, it is essential to talk to us at Ken Boldt Insurance Agency II Inc. to learn more. We serve Green, OH with pride and will do what we can to ensure that you are satisfied. 

Our Partners
  • AllState
  • Foremost
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  • Hiscox
  • Liberty
  • National General
  • Nationwide
  • Progressive
  • Safeco
  • The Hartford
  • Travelers
  • USLI
  • Utica National
  • Westfield

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