Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Ohio Insurance Guide

Residents of the Buckeye state are devoted to their families, their sports and their education. And while they may excel in personal areas, their state regulations regarding insurance are fairly average.

Ohio Auto Insurance

Ohio auto insurance regulations have created an at-fault state with no requirement for personal injury protection (PIP) or uninsured motorist coverage. They do require at least $7,500 in property damage liability coverage and $12,500 for bodily injury liability in the event of a single-persona injury. In addition, they require $25,000 for multiple person injury coverage.

Ohio Health Insurance

Ohio health insurance regulation is a little different than other states. While they don’t generally require insurers to guarantee the issue of health insurance policies for individuals, there is a 30-day period each year during which non-HMO’s must guarantee issue policies. HMOs must guarantee the issue of policies all year until they reach state limits. The state does not have a high-risk pool but they do allow health savings account (HSA) contributions to be deducted from state income taxes.

Groups as small as 2 people can get group health insurance in Ohio, but individuals with pre-existing conditions can have their condition excluded from coverage for up to 12 months if they had a 63 day or longer break in insurance coverage over the past 6 months. Rate bands are in place to keep group insurance rates affordable.

Ohio Home Insurance

As the American Recovery and Reinvestment Act makes homeownership in Ohio more affordable, the importance of protecting your assets with Ohio home insurance becomes more and more clear. While the state does not require its homeowners to carry this coverage, proper protection against tornadoes, theft, fire and other events is necessary if you don’t want to put your family in financial jeopardy.

Ohio Life Insurance

In order to protect the state’s life insurance consumers against insurer insolvency, Ohio life insurance regulators creates the Ohio Life and Health Insurance Guaranty Association (OLHIGA). The association ensures that consumers still get their life insurance policy benefits even if the company that promised the benefits has gone bankrupt. They offer up to $300,000 in death benefit protection and $100,000 in cash surrender benefits.

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