Homeowners Insurance

If the value of my home goes up, do I need to increase my coverage?

The value of your home increasing is amazing for selling purposes. However, when it comes to insuring a home, insurance carriers value the dwelling (Coverage A) at a replacement cost.
Apr 1, 2022 Copely, Ohio

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Eligibility

Can I insure a car with a rebuilt title?

To get insurance on a vehicle with a rebuilt title, you need to find the proper insurer since not every company does. It’s important to note that most carriers will only insure vehicles with salvage or rebuilt titles for liability coverage only.
Sep 16, 2021 Garfield, OH

Car Insurance Costs Coverage & Claims

Is a claim payment to me by another company reported to my carrier?

It's hard to say with any certainty, but if your insurer was not involved in the claims process they would probably never know. If they do become involved they would likely know that a claim had gone through another company.
Jan 4, 2021 Hamilton, OH

General Insurance

I have to move my car from New York to Ohio; can I get insurance with temporary tags and a New York license for the journey?

You should have no problem getting insurance for Ohio with these circumstances. Having an Ohio license would likely help, but is definitely not a requirement to find a company that will insure you.
Nov 25, 2020 Cleveland, OH

Coverage & Claims

My car was a total loss. Will the other insurance send the money to my lienholder?

Sorry to hear about your situation. I would check with your gap coverage provider.
Mar 11, 2020 Columbus, OH

Homeowners Insurance

Can I keep the contents of my house after insurance paid out for them?

Your insurance company is likely going to pay for debris removal. Removing certain things while doing so may come with additional cost and typically insurance is not going to allow that.
Feb 12, 2020 Lebanon, OH

Coverage & Claims

Why is it fair that I have to pay the deductible when someone else hit my vehicle and ran?

Unless you had uninsured motorist coverage, paying the deductible to fix the vehicle is probably the only option in the event of a hit-and-run. So what your insurer is telling you sounds correct.
Jan 21, 2020 Lancaster, OH

Coverage & Claims

Do I need a police report to file a claim with insurance if I damaged my own vehicle?

You do not need a police report to open a claim. Since it was a single-vehicle accident, you will be charged as at-fault if the claim is paid, which would result in a higher premium.
Jan 16, 2020 Hillsboro, OH

Coverage & Claims

I have full coverage and a non-owner hit a deer. Will insurance cover the damage?

As long as the driver is covered by the policy — they don't necessarily need to be listed — insurance should cover the damage. Most policies would cover a driver, who does not reside with you, borrowing the car.
Dec 5, 2019 Bellevue, OH

Coverage & Claims

My car was keyed 4 months ago. Is it too late to file a claim with my insurance company?

The statute of limitations on property damage and injury claims in Ohio is two years — so you are well within the time frame to file a claim. The car being keyed would count as an act of vandalism, so your comprehensive coverage should cover the damage.
Dec 3, 2019 Dayton, OH

General Insurance

How do I insure a car that I'm driving but the title and financing isn't in my name?

Since the car is kept at your home, you would need to insure the car in your name and address. You will also need to list your mother as a driver on the policy since she is the owner, and as an additional interest on the policy since she has a financial claim to the car.
Aug 11, 2019 Tiffin, OH
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