Personal Insurance

Personal Property, Umbrella and Home Insurance Quotes for Columbus, OH

Getting the right insurance typically starts with a quote on the insurance you are seeking. Why is a quote so important? This is because every individual is unique, which means everyone’s insurance requirements are unique as well. Just as no two drivers want exactly the same car features, and no two home owners purchase the same type of home, every policy must be personalized too.

For this reason, you will never be offered a one-size-fits-all insurance policy. We will take the time to get to know you and your family, as well as your unique concerns and risks. Doing so allows us to tailor a policy specifically for you.

Let us help you with all of your personal insurance needs, including the following coverage plans, all of which can be bundled together at a savings to you.

Auto Insurance

Your car insurance needs depend upon the cars you drive, whether you have teens in your household and much more. The Buckeye State does required minimum amounts of liability coverage, as well as proof of coverage, in order for you to be out on the road driving.

We can help you to assess whether those minimums are enough to cover your risks, and help you evaluate any additional coverage you may need. For example, if you are in an accident with an uninsured motorist, it is important to have enough coverage to recover financially from any costs related to the accident, including medical payments and property damage.

The Isner Insurance team is here to help you identify just the right coverage for your needs. We will help you evaluate multiple quotes and options so you can make the choice that is right for you and your family.

Homeowners Insurance

Home insurance is typically required by your mortgage company in order for you to obtain your home loan. If you are like most home owners, you may wonder:

• How much homeowners insurance is required, and is it sufficient to cover potential losses?
  
• How much do you really need in the event of a burglary?
  
• Can you recover financially if your home, belongings and property are all severely damaged or destroyed in a catastrophic event such as a fire?

Sadly, many people do not ask these questions until it comes time to file a claim. Needless to say, the time of loss, whether due to fire, theft, tornado or other unforeseen disaster, is not the ideal time to discover that your coverage comes up short of your real needs.

If you are seeking quotes and assistance with your home insurance policy, contact Isner Insurance Associates. We can help you get the complete coverage you need.

Personal Property Insurance

Both homeowners and renters need personal property insurance. If you own a home, your homeowners policy will include some personal property coverage for theft, fire, and certain types of damage to your home and belongings. If you rent, you will need renters insurance to get the same protection. The question is: “how much?”

Our role is to help you learn about your insurance options to help you make the most informed decision and get the coverage that makes the most sense for you – before you need it. If you have family heirlooms, special collections, or expensive equipment or jewelry, for example, you may need additional coverage for those special items.

Another consideration is whether you want benefits based on the actual (depreciated) value of your belongings, or you want to purchase full replacement value. Your agent at Isner Insurance Associates will help you with these and other questions and make sure your personal property insurance matches your expectations.

Life and Health Insurance

Life and health insurance are two of our key offerings at Isner Insurance. If you need a private health plan or a family health plan, we’ve got you covered. Many people today are involved in entrepreneurial endeavors, or do not have health insurance through their place of employment. An Isner Insurance agent can help you to obtain your own health coverage at an affordable rate.

There are many life insurance plans available today. Your dedicated agent at Isner Insurance can help you sort through the choices and decide whether a life insurance plan matches your family’s needs or is a fit with your investment strategy.

Umbrella Insurance

Liability lawsuits are a potential for everyone. Obtaining personal liability coverage is the first step in making sure you are protected in the event that you cause harm to another person. For example, if your dog bites someone, or a visitor trips and falls over a child’s toy in your home or apartment, you may face a lawsuit.

An umbrella policy, sometimes called “peace of mind” insurance, goes above and beyond standard liability insurance. Umbrella liability insurance provides broader coverage with higher limits to make sure that you have the protection you need in the event you are involved in a catastrophic incident resulting in a legal claim.

The Independent Agency Difference

Because we are an independent agency, we work with many excellent insurance companies and can browse multiple options for you. We can also look for ways to save you money and obtain the best rates through safe driver discounts, multi-policy discounts and more.

We are happy to assist you with a home insurance quote, auto quote, or rates on life and health insurance. Contact us today for all your Columbus, OH insurance needs. We’ve got you covered.