Do You Need Tornado Coverage for Your RV?

Posted on January 30, 2026January 13, 2026 by admin

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?

Posted on December 31, 2025December 9, 2025 by admin

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?

Posted on November 28, 2025November 12, 2025 by admin

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

Posted on October 31, 2025October 20, 2025 by admin

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.

Ken Boldt Insurance Agency II, Inc.

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