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Keystone Insurance Agency, LLC

5640 Groveport Rd Suite 2
Groveport, OH 43125

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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.

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.

 

 

 

 

Getting Permission For Rental Fix-Ups In Groveport, OH

It is critical that you get permission before you do any kind of fix ups to your rental in Groveport, OH. While you want to make your home looks great, you don’t want to be in violation of your leasing agreement. Take the time to have a heart-to-heart conversation with your landlord so they know what you want to change – and give them a chance to make things right.

Some things may be cosmetic, such as painting the kitchen or upgrading the light fixtures. These may be very easy to change and the landlord will have no problem with you doing these things.

Some things may be more involved, such as refinishing the cabinets, upgrading the counter tops, or changing out the flooring. If you want to do any of these fix ups, find out if you are allowed to do so. It is also important to check with local laws as your landlord may be required to do these based upon an upgrade timetable.

Any time you are going to do a fix up, you want to get it in writing from your landlord saying that you are able to do so. This way, if the property changes hands or the landlord forgets about your verbal agreement, you are still covered.

If you don’t get permission, there are still things that you can do. You may be able to use various types of shelving throughout the kitchen to give you more space, and art to the walls, use temporary stick on tiles for flooring, and even decorate the counter tops with fruit bowls, a vase of flowers, and other things.

At Keystone Insurance Agency, LLC we can help you to find affordable renter’s insurance in Groveport, OH. Call today and one of our independent insurance agents can answer questions and compare quotes on your behalf.