Property & Casualty FAQ

Is there an impact on my rate if I have a claim?

A claim can affect your rate depending on fault, frequency, and severity. One small claim may have little impact, while multiple claims often increase premiums.

What is a deductible - in plain language?

A deductible is what you pay before insurance pays. With a $1,000 deductible on a $5,000 loss, you pay $1,000 and insurance pays $4,000.

Is there a benefit to bundling insurance, such as home and auto?

Bundling policies often lowers premiums, simplifies billing, and reduces coverage gaps. Savings are best when coverage quality is reviewed together, not just combined.

What state mandates apply in Ohio?

Ohio requires auto liability insurance and proof of financial responsibility. Homeowners and renters insurance are not required by law but may be required by lenders.