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Auto and Home Insurance

Personal Insurance in Malta, OH

Give Your Malta, OH, Home the Protection It Needs

As your greatest asset, your home should be protected with a sound home insurance policy. Without home insurance, a disaster like a fire, storm, vandalism, or theft would leave you having to cover home repairs or replace your belongings out of your savings.

Home insurance covers many things, including:

  • Damage to your home’s structure.
  • Damage or loss of the home’s interior contents, such as appliances, furniture, housewares, electronics, clothing, and personal property.
  • Liability for accidents on your property or resulting from your negligence.
  • Liability for you and your household members anywhere around the world.
  • Additional living expenses if your home is inhabitable after damage.

Ask our agents about extra protection via:

  • Scheduled coverage for valuables such as collectibles, precious metals, jewelry, furs, antiques, firearms, and fine art.
  • A personal umbrella policy for higher levels of liability coverage (great for dog owners).
  • Earthquake or flood insurance (not covered by a regular home policy).

Auto Insurance Is Mandatory in Ohio

To operate a vehicle in Ohio or register it with the Bureau of Motor Vehicles, you must purchase at least the state’s minimum liability insurance:

  • $25,000 for injury or death of one person
  • $50,000 for injury or death of two or more people in an accident
  • $25,000 for property damage in an accident

This pays for the medical care of others if you are at fault in a crash, plus property damage for other vehicles, fences, mailboxes, landscaping, etc., without it coming out of your pocket.

We usually recommend upping your liability coverage above the state’s minimum in addition to getting full coverage insurance:

  • Collision insurance to repair or replace your vehicle (not covered by liability insurance)
  • Comprehensive insurance for incidents of theft, vandalism, storm damage, or loss to fire

Auto lenders nearly always require full coverage to finance a vehicle.

We Customize Every Personal Insurance Policy

Our independent agents at Jared Reynolds Insurance tailor personal insurance to each customer. You will like our old-fashioned approach to customer service and our large menu of personal insurance products because we’re not tied to any single carrier.

Call us at 740-588-9090 to inquire about personal insurance for your home and auto in Malta, OH. You can also start a policy any time online or email us with your questions.