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Ken Boldt Insurance Agency II, Inc.

2205 Greensburg Rd
Green, OH 44720

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Why Every Boater Should Have Boat Insurance

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If you own a boat, you know how much fun it is to take it out on the water. However, this can also expose you to risks. Every boat owner should have boat insurance just in case the worst happens. There are many dangers on the water, so you need to be insured against them. If you don’t have a boat policy yet, call us at Ken Boldt Insurance Agency II Inc. in Green, OH. 

Boating Accidents

When you take your boat out, there’s always the chance that you could get into a boating accident. If this happens, you could be liable for any costs that come from the accident. If you’re judged to be at fault for the accident, you could owe a lot on bills like medical and repair bills. All of these could be up to you to pay on your own without boat insurance. This can be financially devastating. It’s important to never go out on the water without your policy in place for your own financial protection. 

Coverage Types

Within a boat policy, there can be several types of coverage. These can include bodily injury coverage that pays for medical bills after an accident. They can also include property damage liability that pays for damage to another boat. Of course, boats can sink and may need to be replaced entirely. You can also get collision coverage to pay for the repairs to your own watercraft when you’ve caused an accident. 

Get Boat Insurance Now

Don’t stay in financial jeopardy. Make sure you have a boat insurance policy to protect yourself. Call us at Ken Boldt Insurance Agency II Inc. in Green, OH, to get your policy.

Combining Umbrella Coverage with Existing Policies for Comprehensive Protection

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Optimize Your Insurance Coverage in Green, OH

Securing the right insurance coverage around the Green, OH area is fundamental to safeguarding your assets and financial well-being. Standard home, auto, and other insurance policies provide substantial protection, yet they may present coverage limits in the face of a significant lawsuit or catastrophic event. This is where an additional layer of liability coverage, such as an umbrella insurance policy, extends beyond the confines of existing policies.

Deciphering the Naunce of Umbrella Insurance

Umbrella insurance serves as an annex to your primary insurance policies like homeowners or auto insurance. It offers extra liability coverage, which activates when the limits of your foundational policies are exhausted. This widened coverage protects you financially in a situation where a lawsuit or claim exceeds the boundaries of your standard insurance policies.

The Advantage of Combining Coverage

When umbrella coverage aligns with your existing policies, you can enjoy several key benefits:

  • Enhanced Liability Protection: Umbrella insurance fills gaps left by your primary policies and provides higher protection thresholds.
  • Broader Coverage Scope: Umbrella policies often cover a wider range of risks than standard insurance policies, offering protection against defamation, slander, and false arrest.
  • Cost-Effective Solution: Despite its extensive coverage, umbrella insurance is typically affordable, making it a high-value proposition.

Customizing Your Protection

When integrating umbrella coverage with your existing policies, it’s vital to adjust your coverage to fit your specific needs and risk profile. Ken Boldt Insurance Agency II Inc., with its experienced agents, can help you assess your liabilities and determine the appropriate coverage level to protect your financial future adequately.

Making a Difference with Ken Boldt Insurance Agency II Inc.

At Ken Boldt Insurance Agency II Inc., we aim to address your queries about umbrella insurance. Serving Green, OH, reach out to us today for customized solutions that cater to your needs.

What Exactly Does Condo Insurance Cover?

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You’re likely excited about your accomplishment if you have purchased a condo. Owning a condo in Green, OH (or anyplace else) is similar to owning a home, and most people consider it an event to be proud of. One thing you must be mindful of when owning a condo is having adequate condo insurance. You might wonder exactly what condo insurance covers, and here is an overview.

Not Equivalent to Homeowners Insurance

One thing that many condo owners believe is that condo insurance is equivalent to homeowners insurance. While there are some similarities, condo insurance is different from homeowners insurance. Condos typically come with homeowners association fees, as the homeowner’s association provides some coverage for your condo. Included in this coverage are the common areas of the complex, as well as the exterior of your condo. Therefore, any condo insurance that you purchase is supplemental. While homeowners insurance covers the interior as well as the exterior of a home, condo insurance only covers:

  • Any personal property that is damaged or destroyed
  • Injuries sustained at your condo
  • Living expenses if your condo becomes uninhabitable and you must reside someplace else temporarily
  • Any lawsuit that may be brought against you
  • And more

When purchasing a policy, your insurance agent can provide more information about what’s covered for a deeper understanding. 

As you can see, what condo insurance covers is pretty straightforward. So, if you’re seeking a new condo insurance provider, we at Ken Boldt Insurance Agency II Inc. provide coverage for the Green, OH, area. We are always accepting new clients, and we pride ourselves on our high standards, which results in many happy customers who love our top-notch service and coverage. Call us today at Ken Boldt Insurance Agency II Inc. for a quote. 

Is Your Policy Good Enough?

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Finding an excellent auto insurance policy is a critical step that can transform your experience in many ways. Our team at Ken Boldt Insurance Agency II Inc. can help Green, OH residents understand whether their policy is suitable for their needs or if they need to update their options suitably.

Does It Provide Great Liability Protection?

Liability is the most basic policy available on the market and covers injuries that might occur during a crash. It covers any damage or injuries you cause in an accident and is critical for anybody worried about the potential danger of lawsuits or even legal action from the government.

Will It Help You With Medical Recovery?

What happens in a car accident if you’re liable but get hurt anyway? Well, your liability protection will only cover people that you’ve hurt. However, medical coverage policies will pay for your recovery. As a result, it’s smart to add this protection level to your policy to avoid issues.

Are You Sure It Replaces Your Vehicle?

Did you know that most auto insurance policies use a “real value” estimate when replacing a totaled vehicle? That means it replaces your car based on its actual worth and not what you paid. Talk to your insurance agent to see if there is an upgraded option available for you.

What Other Protection Does It Offer?

Auto insurance policies can take on many different forms and add extra coverage options to keep you safe. These include things as diverse as no- or low-value insurance coverage (if another driver has a bad policy), weather-related problems, and other unique issues.

Who Can You Trust?

At Ken Boldt Insurance Agency II Inc., our agents can help Green, OH residents find great auto insurance policies that make sense for them. Contact us today if you’re unsure about your options or don’t think your current policy is good enough.

Basic Small Business Commercial Insurance: What’s a BOP?

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Many small businesses in Green, OH have similar risk exposures and insurance coverage needs. For these businesses, a business owner policy (BOP) is often the best type of policy to get.

What is a Business Owner’s Policy?

A business owner’s policy is a bundled insurance package designed for small to medium-sized businesses. It typically combines commercial property insurance and general liability insurance.

  • Commercial Property Insurance: Usually covers the physical assets of a business, such as any building, equipment, or inventory. The coverage usually protects against damage and loss resulting from common risks like fire, theft, and natural disasters.
  • General Liability Insurance: Usually covers injuries that others sustain or damage to their property, for which the business is responsible. The coverage primarily protects against injuries and damage occurring in commonplace accidents. General liability also may guard against any defamation or false advertising lawsuits.

Together, these two coverages meet the basic insurance needs of many small businesses in Green, OH. At Ken Boldt Insurance Agency II Inc., we can help you determine whether this type of policy meets your business’s particular needs.

Businesses with more extensive or varied insurance needs might require a commercial package policy rather than a BOP.

Advantages of a BOP

The primary advantage of a BOP is the convenience of having essential coverages under one policy. This simplifies administration and often results in lower premiums for most businesses.

Get Help Protecting Your Business

If you need help finding commercial insurance for your small business, contact us at Ken Boldt Insurance Agency II Inc. We can help you determine whether a BOP is right for your business and then find one if it indeed meets your business’s needs well.

Why should someone in Ohio get a home insurance policy?

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Homeowners in the Green, OH area have likely continued to find that owning a property is a good idea. When you are a property owner in this area, you will enjoy having a stable place to live as well as the financial benefits that come with ownership in the long run. If you would like to own real estate here, you need to have insurance. There are a lot of reasons to get this coverage here. 

Ensure the Home is Covered

A great reason for having home insurance in this part of Ohio is so you can be assured that your home is covered. If you are going to buy a home, you will be making a very large investment that you will want to enjoy for years to come. A home insurance plan can help ensure this occurs. This coverage will provide support for fire and other types of damage, which can protect your home.

Meet Obligations

It is also a good idea to have a home insurance plan to meet obligations. Having home insurance is required in many situations. If you have taken out a loan or live in an association, you likely do have this requirement. When you get a full home insurance plan, it will give you the support needed to meet your obligations.  

Reach Out To Us

Home insurance should always be considered a necessity if you are in the Green, OH area. When you are ready to start looking for insurance when you are in this part of Ohio, you should call our team with Ken Boldt Insurance Agency II Inc. Our insurance team at Ken Boldt Insurance Agency II Inc. knows the importance of this insurance and will offer any support you need to create a plan that protects your home. 

Renters Insurance for Home Office Professionals: Securing Your Remote Workspace

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As remote work becomes increasingly prevalent in and around Green, OH, many professionals have set up home offices to accommodate their work-from-home arrangements. While a home office provides convenience and flexibility, it’s essential to consider the insurance implications of operating a remote workspace within your rented property. 

Securing Your Home Office Equipment and Assets

For professionals working from home, most of their work-related assets are likely located within their home office. This includes computers, monitors, printers, office furniture, and specialized equipment. Renters insurance can help protect these assets in several ways:

  • Personal Property Coverage: Renters insurance typically covers personal belongings, which includes your home office equipment and furniture. In the event of theft, fire, or other covered perils, your insurance policy can reimburse you for replacing or repairing damaged or stolen items.
  • Valuable Items Coverage: If you have high-value items like expensive computer equipment or specialized tools, consider adding a valuable items endorsement to your renter’s insurance policy. This ensures that these valuable assets are adequately protected.

Liability Protection for Your Home Office

Another critical aspect of renters insurance is liability coverage. If a client, colleague, or delivery person is injured while visiting your home office, you could be liable for medical expenses or legal fees. Renters insurance can provide liability protection, covering these costs and helping you avoid financial hardship.

Additional Living Expenses

Renters insurance can assist with additional living expenses, such as hotel bills or increased food costs. At the same time, your rented residence is being repaired or replaced if you should have to stay elsewhere.

Ken Boldt Insurance Agency II Inc. Can Help You

At Ken Boldt Insurance Agency II Inc., we can help answer questions concerning renter’s insurance. We serve the Green, OH area. Contact us today. 

Motorhome Insurance for Seniors

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When seniors have questions or concerns about their current or potential motorhome insurance policy, Ken Boldt Insurance Agency II Inc. is here to help Green, OH residents make sense of it all. To learn more about the importance of motorhome insurance, please be sure to read on. This guide is here to help seniors who are looking to make the most informed decisions possible.

Is Motorhome Insurance Required In Ohio?

In a word, yes. You will need to speak with our experienced insurance agents if you would like to learn more, but there is no circumstance where you can legally hit the road in a recreational vehicle without obtaining the necessary insurance policy first. The insuring of a motorhome is mandatory in the state of Ohio, much like any other motor vehicle on the Buckeye State’s roadways.

How Do These Policies Differ From Auto Insurance Policies?

A motorhome insurance policy differs from an auto insurance policy in one very pivotal way. A motorhome serves as a residence and a vehicle, so a senior will need to obtain a policy that encompasses both aspects of this equation. Specialized policies allow for coverage of the actual vehicle, but if it is being used as a travel trailer, additional considerations must be made.

Potential injuries and property damage must also be considered when a motorhome is being insured. That’s why it is important for a senior who is seeking a motorhome insurance policy in Ohio to speak directly with an insurer about the coverage that they need, whether they require comprehensive coverage, collision coverage, or both.

Schedule A Consultation Today!

If you have any additional questions that need to be asked, be sure to speak with the experienced agents at Ken Boldt Insurance Agency II Inc. in Green, OH. Our team of experts is always on hand and ready to provide all of the necessary information to our current and prospective clients.

Protect Your Rolling Home With an RV Insurance Policy

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Spending time on the road in your RV can be extremely enjoyable. Whether you use it as your primary home or you only travel in it for vacations, you want to make sure it’s protected all year round.

Protecting Your Rolling Home

If you’re in the Green, OH area and in need of an RV insurance policy, Ken Boldt Insurance Agency II Inc. can provide you with coverage options that can meet your needs. You don’t have to spend all your time calling around to get information from multiple insurers when you can simply work with one of our trusted agents.

We’ll give you comparisons to look at, making it simpler and easier for you to find the policy that works for you. We can also answer your questions in case you’re not sure about the level of type of coverage you need or want for your RV.

Depending on how you use it, you may be able to adjust your RV coverage for part of the year, which will still protect it while it’s not in use. This can also help you get more value from your policy, but it’s not for everyone. How often you use your RV, where it’s stored, and other factors will all be a part of deciding which policy to choose, and working with an agent can help.

If you’re ready to find the right RV insurance for your needs, so you can feel confident when you travel and when your RV is parked or stored, get in touch with us today at Ken Boldt Insurance Agency II Inc. We serve the Green, OH area and can help you with a policy that meets your needs and protects your RV. That way you can have more peace of mind on and off the road.

Who needs to have a motorcycle insurance policy?

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For those that are in the Green, OH area, having a motorcycle can be a great idea. Not only are these efficient ways to get around the community, but they can be a lot of fun to ride when the weather is nice. If you do choose to purchase a motorcycle when you are here, getting insurance for it is very important. There are a lot of situations when someone needs to have a motorcycle insurance policy in place. 

Motorcycle Insurance Beneficiaries 

Those that Have Taken Out a Loan

A common situation when having a motorcycle insurance plan is a necessity is when someone has taken out a loan. If you have taken out a loan when buying a motorcycle. If you have taken out motorcycle insurance, the lender will take a lien on the asset and will want to ensure it is properly covered with insurance. Your loan agreement is likely to include a provision that requires full comprehensive coverage.

Required when Riding the Motorcycle

For all motorists in the state of Ohio, having a liability insurance plan is a necessity when you are driving on a public road. Having a liability provision in your motorcycle insurance plan ensures you have support if you cause an accident and need to pay for damages. If you are not covered with this required level of motorcycle insurance, you can be penalized in various ways. 

Reach Out To Us

It is very important for any motorcycle owner in the Green, OH area to carry a proper motorcycle insurance policy at all times. When you are investing in a motorcycle here, you should call our team with Ken Boldt Insurance Agency II Inc. When you call our professionals at Ken Boldt Insurance Agency II Inc., you will receive customized support and guidance necessary to make an informed insurance decision. 

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