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Keystone Insurance Agency, LLC

5640 Groveport Rd Suite 2
Groveport, OH 43125

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In Groveport OH, Are Businesses Required To Carry A Specific Amount Of Commercial Insurance?

The agents of Keystone Insurance Agency, LLC can help business owners in Groveport, OH determine how much commercial insurance they may need to protect themselves from financial loss if something would happen to their company. Every business is different. Retail businesses have a large inventory, while a production or manufacturing company may have millions of dollars of equipment. Most states do not require companies to carry a specific amount of commercial insurance, although it is recommended to carry some type of liability insurance in case someone is injured on the property.

Unlike auto insurance, states normally do not set specific insurance limits on commercial business policies. It is recommended, however, that all businesses carry liability insurance. Liability insurance does not protect the assets of the building but instead protects the company from lawsuits that can arise from an employee or a visitor receiving an injury. Workers compensation insurance will cover the majority of an employee’s medical bills, but it will not cover long term or extended care if the injury causes permanent damage.

The agents at Keystone Insurance Agency, LLC understands how important it is to protect your business from various types of loss. Business owners living in the Groveport, OH area are encouraged to call an agent today and discuss what options are available to them. The agent will evaluate all of your insurance needs and find a policy that offers you the financial security and peace of mind you need. Once your policy is in place, they will review and update your policy as needed allowing you to have the coverage you need at all times. Reach out to us to learn how a commercial insurance policy can benefit your business.

Should You Drop Full Coverage After Your Car is Paid Off?

When it comes to insuring your car there are a ton of questions that most people tend to have. One that pops up more often than not is, “Do you still need full coverage once your car is paid off?" Though there is no simple way to answer this question, there are a few different things that you should consider when making the decision to drop full coverage. For those living in the Groveport, OH area, our agents at Keystone Insurance Agency, LLC can go into more depth but here are a few basics.

For starters, you should consider the area in which you live. It has been found that if you live in big cities, you are more likely to come in contact with a larger number of drivers which may mean you need more coverage. Also, living in a larger city increases your risk of break-in, theft, and vandalism so a full coverage policy may not be the worst idea even if you no longer have a car note.

Another thing to keep in mind is how often you drive. If you are on the highway every day and you are constantly driving, you are more likely to get into an accident and could, therefore, benefit from a full coverage policy. Similarly, if you do not drive often, you may be fine with nothing more than liability coverage.

Still another factor to consider is the value of the car. If you have a car that is still worth a great deal of money, a full coverage policy is going to best protect your investment. If you live in the Groveport, OH area and have further questions, the helpful agents with Keystone Insurance Agency, LLC can help fill you in and get your policy in order. Reach out to us today by phone or stop by our office to set up an appointment with one of our agents today!

Add This To Your Fire Extinguisher : Other Safety Precautions You Can Take To Protect Your Home From Fire

Add This To Your Fire Extinguisher…and Don’t Smoke It!

Whether you have a homeowners insurance policy with Keystone Insurance Agency LLC or are considering purchasing one we want you to consider how important it is for you to protect your home from fire. Serving the Groveport, OH and surrounding areas, we are more than happy to sit down with you and discuss how your policy can protect your assets and help restore your home in the event a fire occurs. 

What To Do And What To Have On Hand

Fire protection is a big issue in the education system today. Your children are well educated on what to do in the event of a fire. School districts do a great job in bringing in professionals, providing fire drills and curriculum-based fire safety information. Children are encouraged to implement fire safety protocols in their home as well. Having a safety plan for fire and an evacuation route is a great idea. Family discussions surrounding what to do in the event of fire is an excellent way to ensure your family is safe and your home is sound. 

What should be added to your standard fire extinguisher is also key in protecting your family and home from fire. In addition to you and your family’s fire safety intel and practice, there are some items that should be a part of a safe home. 

Groveport, OH residents, should have flame resistant items in their home such as baby blankets, curtains and children’s  pajamas. Smoke detectors in key areas and proper egress windows in basements are just a few of the physical items that should be a part of a safe home. Contact us today at Keystone Insurance Agency LLC to discuss your home insurance policy. 

What Happens if You Lie About Your Driving History on Your Auto Policy?

Drivers are required by law to report their accurate driving history to their insurance agency when they apply for a policy in order to create an accurate policy that reflects their driving history. Your driving history does affect your overall rates, premiums, and what companies are willing to insure you so lying on your policy might be tempting. So what happens if you lie on your policy about your driving history? For those that live in the Groveport, OH area, the agents with Keystone Insurance Agency LLC can help.

For starters, it is difficult to lie on an application for auto insurance and get away with it for a few different reasons. Insurance companies require that you give them both the vin number of the car that is being insured and the number on your state issued license. This does a few different things. It first off tells the insurance agency what the state of your driving privileges are. If you have a revoked license, a check will reflect that. A check will also pull up your state driving record. This will tell the agency just what accidents you have been in and what driving infractions you have committed.

Another stop that keeps you from lying is the vin number of your car. Again, a simple check will show your agency what accidents the car has been involved in and will help establish an accurate record. This means that even if you lie on your policy application, the agency is going to run a check and catch fraudulent applications likely resulting in the insurance company refusing to cover the driver. For those in the Groveport, OH area, the agents with Keystone Insurance Agency can help you to create an accurate record for your application.

Homeowner Insurance Groveport, OH

Homeowners insurance protects a property owner from financial distress when a disaster hits. Ohio is a state known for cold winter risk. Property owners in Groveport, OH can protect themselves from the costly, unexpected expense of home repairs and replacement of contents with a homeowners insurance policy.

Homeowners insurance coverage also mitigates property owner liability for guest injury, and legal responsibility for out-of-pocket for medical bills, and court fees.

Disaster Risk Insurance Coverage

Winter damage to a home can significantly reduce the market value of an investment. A property owner can protect themselves from reduced real estate worth with a homeowners insurance agreement. Homeowners insurance compensates and owner for repairs and other costs for building repairs and replacement of interior contents after a risk event.

Liability Risk Protection

Guest injury on a property can lead to expensive medical bills and even legal fees for a homeowner without liability insurance. A homeowners liability insurance policy protects an owner by paying for hospital bills, treatment costs, and attorney fees after a guest has filed an injury claim.

Homeowners Insurance Protection

Comprehensive Coverage – recuperates costs for property damage repair and related injury liability expenses following a risk incident.

Individual Coverage – protects a property owner’s family from outstanding debt obligations and outstanding mortgage payment obligations after a serious accident or death.

Packaged Indemnity Agreements – compensates for losses of real property or personal property resulting from theft or natural disaster.

Combined Life Coverage – life insurance and homeowners insurance in a single policy may include liability, property damage, end-of-life coverage, as well as benefits to designated beneficiaries.

To find out more about homeowners insurance policy premiums claims grace periods, and terms and conditions in Groveport OH, or to obtain a quote, contact Keystone Insurance Agency LLC.

Sewer Lines: What’s the City’s Responsibility and What is Yours?

If a sewer line cracks or becomes clogged in the greater Groveport, OH area, you may be wondering if you are responsible for the sewer line or if the city is responsible for it. This is a common question that homeowners face, especially when the repair is costly. Here at Keystone Insurance Agency, LLC, we want homeowners to be aware of what their responsibility is when it comes to these lines. Here is some information you should know if you are in this situation.

The Service Line

The service line is the homeowner’s responsibility to maintain and care for. If there is a break in this line, you are responsible for having it repaired or replaced. The service line is the line that feeds off of the main line to your home. These are sometimes referred to as vertical lines.

The Main Line

The main line, also sometimes referred to as a horizontal line, typically runs in the middle of the street. Every home has a service line that connects to the main line. If the main line breaks or becomes clogged, the city is responsible for fixing this main line.

If you have a sewer line problem, you may be able to file a claim with your homeowner’s insurance or with the city to have it repaired, depending on where the problem is located and what caused the problem. If you have questions about sewer lines and your existing homeowner’s insurance policy, contact Keystone Insurance Agency, LLC, serving the greater Groveport, OH area. We can help you determine what server problems are covered or not covered and/or put together a new policy that better meets your needs.

Are My Belongings Protected Under My Home Insurance Policy?

For most people, the most valuable investment they will make over the course of their life is the purchase of a home. Therefore, it is important that this asset is protected. While most people will ensure that the structure of the home is covered under their home insurance policy, many people will neglect to cover the contents of the home. Most people have valuable assets inside the home such as furniture, electronics, and jewelry. These items are expensive and deserve the same protection as the structure of the home. Some of the important questions that people ask are detailed below.

Some people might not even think to ask about whether the contents of their home are covered. This is called personal belongings coverage. Some policies might provide a minimal degree of coverage for person belongings while others might not provide any at all. Personal belongings protection should be addressed in a home insurance policy because the contents of the home could be stolen through theft of damaged through home disasters or natural catastrophes. People should look into the details of their home insurance policy to make sure that they have enough personal belongings coverage and that the different ways these items could be lost or stolen are covered. If these contents need to be replaced, personal belongings coverage will provide financial assistance that would otherwise place a significant amount of financial strain on a family.

Citizens in Groveport, OH should make sure that their home insurance policy has enough personal belongings coverage to protect the valuable contents of a home. People looking for personal belongings coverage should contact an experienced insurance agent with Keystone Insurance Agency, LLC serving Groveport, OH with any questions. This professional agency will ensure that the valuable belongings in a home, as well as the structure, are protected.

Why You Need Home Insurance in Ohio

If you’re a homeowner, you know how important it is to take care of your property and protect your assets with proper maintenance and security. If you’re a prospective home buyer, you’ve probably also heard from your lender that you’ll need to purchase home insurance as part of the home loan process. Whatever the case, you and your family deserve the peace of mind that the right home insurance policy can provide.

Home insurance is your first line of defense in the case of disaster. Whether your home is stolen from or damaged by fire or sever weather, your home insurance policy can help you recoup on your losses. So long as your coverage is sufficient, you’ll come away from tragedy with the security of knowing that your policy will pay out and help you rebuild your home and/or replace your belongings. For both existing and prospective homeowners in Groveport, OH, home insurance is not just an ideal safety net but also a state legal requirement. 

Even if you already have a home insurance policy, it’s important to make sure your coverage is sufficient as time goes on. Consider the value all of the appliances, electronics and personal appliances in your home and determine whether your policy is enough to replace all of your most valuable items. If you’re not sure where to start, the expert staff at Keystone Insurance Agency LLC can help you navigate the complex legal and financial terrain.

When disaster strikes, don’t leave your home unprepared. Contact Keystone Insurance Agency in Groveport, OH and let our friendly, professional agents help you select a home insurance policy that covers all your necessary hazard and liability needs.

What to look for when it comes to home insurance

If you own a home in the Groveport, OH area, then you probably already know about everything that could potentially go wrong with your biggest possession.  From tornados to fires, the insurance agents at Keystone Insurance Agency LLC have seen just about everything go wrong with a house.  Fortunately, they also know what to look for in an insurance policy to protect yourself and your home.  If you’re thinking about a nw policy, be sure to ask about these things.

  1. Get adequate coverage.  Make sure you have enough insurance to replace your entire house and everything inside it.  Too often, people make the mistake of underinsuring heir home, thinking they will save money on their premiums.  Instead, they lose thousands of dollars when a disaster strikes and they’re unable to fully repair the damage.
  2. Update your coverage at least once every three years.  Make it more often if you have a major repair job, renovations, or buy something expensive for your home.  New roofs, rooms, and even appliances should be part of your policy.  Also remember to ask about special riders fro computers and other electronics, jewelry, designer clothing, and other specialty items.
  3. Consider your replacement cost. While replacement cost insurance tends to cost a little more, it’s the only way to ensure that you’ll be able to replace everything in your home after a disaster.  These policies provide you with the funds that will allow you to go to the store and just buy everything that was damaged or destroyed in an emergency.

If you’re thinking about getting a new homeowner’s policy, or if you just want to save money on the policy you already have, call the agents at Keystone Insurance Agency.  They have years of experience helping Groveport, OH residents find the insurance policy that meets their needs.

Only You Can Prevent Motorcycle Theft

An estimated 45,000 motorcycles are stolen in the United States every year, according to the National Insurance Crime Bureau. Fortunately for owners of two-wheelers, there are steps that can be taken to ensure that they are not counted among the victims. Here are three things you can do to prevent motorcycle theft from happening to you.

Keep your bike hidden

A thief cannot steal what he cannot see. It is, therefore, important to park your bike inside of the garage at home. Take additional measures, such as covering your two-wheeler with its factory cover first and then placing a plain shield on top of that, if you must park on the street. These steps are crucial at night when many thieves come out to see what they can take.

Attach your two-wheeler to a mainstay

Thieves want to quickly take something and flee to their hiding place. Using a chain and U-lock to attach your bike to a tree or light pole prevents them from rapidly walking away with your two-wheeler. They will more than likely get discouraged when they see that they must go through a chain and lock before having the ability to move the vehicle forward. 

Think lighting and open space when parking

Many believe that parking motorcycles underneath bright light draws attention to it and encourages lawbreakers to take a stab at theft. Quite the contrary. Parking in an open space with lots of light actually discourages thieves because such illumination and separation draws a crowd. This is why parking a motorcycle in between cars is more beneficial to a thief because of the shield that the larger vehicles provide. 

Keystone Insurance Agency, LLC in Groveport, OH insures motorcycle owners with coverage that provides full assurance in the instance of theft. Stop by our office today for a quote.