Personal Insurance & Asset Protection
As a full service independent insurance
agency, we offer you an extensive line of insurance and risk management
products and services and create a comprehensive package custom-fit for
your unique needs and situation.
Homeowner's and condominium
insurance bring give you peace of
mind knowing that in the event of a covered loss, you can
rebuild your home and replace your destroyed or lost belongings.
Homeowner's & Condo Insurance |
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| For most people, their home or condo is the largest investment they make during their lifetimes. Not only financially but also emotionally.If a disaster strikes, you want to be able to pick up the phone and call a caring professional, like those at Zimmer Insurance. Even if your loss is not a major disaster, you still want to have the peace of mind knowing your belongings and valuables can be replaced. |  |
Your
homeowner's, town home and condominium insurance typically
covers:
- Dwelling and other structures
- Dwelling improvements, alterations and additions
- Personal property
- Personal liability
- Depending on where you live, earthquake and flood insurance may be recommended
You are personally responsible for replacing your property and valuables. You are also liable for injuries that someone may sustain on your property. When you add legal fees, court costs and actual damages, your loss could be devastating.
Banks and mortgage companies generally require that you have adequate coverage and it is difficult, if not impossible to get a mortgage loan without insurance.
Automobile Insurance
Auto insurance helps to protect you and your family in the event of an accident or other covered loss. It also covers injuries and damages resulting from an accident for which you may be liable. It also may cover the cost of replacing or repairing your vehicle in the event of accident of theft.
If you do not have automobile insurance
Without auto insurance, you expose yourself to major risks. Most states require that you carry a minimum amount of liability coverage. Driving without insurance can result in large fines, having your license confiscated and your car impounded. It is not something to be taken lightly.
Umbrella insurance is often said to be the most overlooked insurance need. The liability limits on many policies are inadequate to fully protect the insured against catastrophic losses or lawsuits.
In the state of Ohio over the past couple of years, the average judgment in a lawsuit against an individual is over $800,000. Many policy liability limits are capped at $250,000 to $300,000. Attorney fees alone in a large judgment can exceed these limits.
Umbrella Insurance
Your umbrella policy essentially picks up where the liability limits end. This extra protection is extremely affordable and not only provides you with added peace of mind but also the added protection you may need.
We all like to think that we are always going to be here to live, love and take care of our loved ones but the reality is that the time may come when you won't be there to provide for their financial future. That's why we offer a variety of options and life insurance products to meet your needs for whatever stage of life you may be in.
Life Insurance
Life insurance gives you the peace of mind knowing that your families financial needs will be provided for if you are not there to provide for them and their future. Whether it's to cover living expenses, education, mortgage and the day-to-day bills, your life policy can help.
Our insurance specialists will help you select a package that meets your needs and budget. We also will contact you regularly to see if your situation and needs have changed.
Over the course of our lifetimes, it's amazing how many valuables we accumulate. People often believe their insurance automatically covers any valuables they may purchase or obtain.
This can be a costly assumption as most policies have limits of coverage. Generally, if you purchased, inherited or obtained any valuable valued over $2,000, you will want to contact us to check if your policy covers the full value. Items to consider include:
Jewelry & Valuables
- Jewelry
- Fine art
- Firearms
- Silverware
- China and crystal
- Furs
- Antiques
- Valuable papers and securities