Home & Auto Insurance
Your needs are diverse. Your options should be too.
With home & auto insurance, our job is to insure you with the carrier that fits your situation. Homes are of different sizes, in different places, and have different values. Similarly, people drive different cars and have diverse driving records. Since there is no single insurance carrier that is the best in every situation, we give our clients access to many of the top insurers in Ohio.
Having access to this collection of competitive insurance carriers through Financial Design allows you to be comfortable knowing that you will never be in the wrong situation. Over the course of your life, there will most likely be strong incentives to change your insurance carrier multiple times. These incentives often include more comprehensive coverage and premium savings. The advantage of being with Financial Design, an independent agency, is that we can change your policy from one carrier to another when it is in your best interest.
It is also our job to make sure that your coverage fits your individual needs. We offer annual policy reviews to ensure that we have up-to-date coverage of current vehicles, homes, and individually insured items. We will also review dwelling coverage, liability limits, and deductibles, to make sure that the policy is still fitting your needs. These reviews allow our clients to rest assured that their assets are well protected.
Some Home & Auto Discounts to Keep in Mind
Home
With home & auto insurance, our job is to insure you with the carrier that fits your situation. Homes are of different sizes, in different places, and have different values. Similarly, people drive different cars and have diverse driving records. Since there is no single insurance carrier that is the best in every situation, we give our clients access to many of the top insurers in Ohio.
Having access to this collection of competitive insurance carriers through Financial Design allows you to be comfortable knowing that you will never be in the wrong situation. Over the course of your life, there will most likely be strong incentives to change your insurance carrier multiple times. These incentives often include more comprehensive coverage and premium savings. The advantage of being with Financial Design, an independent agency, is that we can change your policy from one carrier to another when it is in your best interest.
It is also our job to make sure that your coverage fits your individual needs. We offer annual policy reviews to ensure that we have up-to-date coverage of current vehicles, homes, and individually insured items. We will also review dwelling coverage, liability limits, and deductibles, to make sure that the policy is still fitting your needs. These reviews allow our clients to rest assured that their assets are well protected.
Some Home & Auto Discounts to Keep in Mind
Home
- Multipolicy (home, car, or other policies with the same company)
- Smoke detectors
- Fire extinguishers
- Sprinkler systems
- Burglar and fire alarms that alert an outside service
- Deadbolt locks and fire-safe window grates
- 55 years old and retired
- Upgrades to plumbing, heating, and electrical systems
- Wind-resistant shutters
- Multicar
- Multipolicy
- Safe Driver
- Good Student
- Low Miles Driven
Farm Insurance
Your crops take care of us; let us take care of you.
Farms are one of the largest assets a family can own, and their corresponding coverage can be complex and expensive. It is crucial that farms be covered properly by a knowledgeable farm specialist, to make sure there is ample insurance coverage at a time of loss, and that the premiums are affordable. As an agency centered in rural Ohio, farm insurance has become a staple of our business. Our representatives are well versed in the needs and requirements of our local farmers. To support these needs, we have created lasting relationships with some of the best farm specialty carriers that Ohio has to offer.
Farm Coverages Every Farmer Should Know
Farms are one of the largest assets a family can own, and their corresponding coverage can be complex and expensive. It is crucial that farms be covered properly by a knowledgeable farm specialist, to make sure there is ample insurance coverage at a time of loss, and that the premiums are affordable. As an agency centered in rural Ohio, farm insurance has become a staple of our business. Our representatives are well versed in the needs and requirements of our local farmers. To support these needs, we have created lasting relationships with some of the best farm specialty carriers that Ohio has to offer.
Farm Coverages Every Farmer Should Know
- Intake of Foreign Objects — Would you have enough coverage to get a combine, corn head, or grain table back in the field at harvest time if you hit a large rock or debris?
- Equipment Breakdown — GPS Equipment, Motors, Emergency Generators, Transformers, Distribution Systems, Communications Equipment, Fans
- Equine Activities — Ownership, Boarding, & Training
- Custom Farming, Spraying, Feeding
- Agri-Business — Grain/Seed Dealer, Farm Stands, Mazes, Alpacas, Deer, and Elk
Business Insurance
Your Business is Our Priority
A business’s relationship with its insurance agency should always be a comfortable fit. Oftentimes, a business’s needs and assets change on a regular basis, making the insurance agency a very important resource for any small business owner. While each type of business has its own distinctive needs, our representatives are able to create a familiarity with each client, which allows policy adjustments to be quick and efficient. It is always our goal to make each business owner knowledgeable, and comfortable, with their business insurance policy.
Business Owners Policy (BOP)
Typically, insurance for a business is bundled in a package called a business owners’ policy (BOP). Purchasing separate policies from different insurers can result in higher total premiums. A BOP combines typical coverage options into a standard package and is offered at a premium that is less than if each type of coverage was purchased separately. Normally, BOPs consist of covering property, general liability, vehicles, business interruption and other types of coverage common to most types of businesses. BOPs simplify the insurance buying process and can save you money.
However, not all BOP policies are the same. It is our job to make sure that you are placed with a carrier that has the most comprehensive coverage for your business, while also taking into account the varying costs from one insurer to the next.
At Financial Design Insurance Agency, we understand that a business owner does not need the added stress of worrying about insurance coverage and pricing. We are here to lighten the burden and keep you assured that your coverage is in good hands.
A business’s relationship with its insurance agency should always be a comfortable fit. Oftentimes, a business’s needs and assets change on a regular basis, making the insurance agency a very important resource for any small business owner. While each type of business has its own distinctive needs, our representatives are able to create a familiarity with each client, which allows policy adjustments to be quick and efficient. It is always our goal to make each business owner knowledgeable, and comfortable, with their business insurance policy.
Business Owners Policy (BOP)
Typically, insurance for a business is bundled in a package called a business owners’ policy (BOP). Purchasing separate policies from different insurers can result in higher total premiums. A BOP combines typical coverage options into a standard package and is offered at a premium that is less than if each type of coverage was purchased separately. Normally, BOPs consist of covering property, general liability, vehicles, business interruption and other types of coverage common to most types of businesses. BOPs simplify the insurance buying process and can save you money.
However, not all BOP policies are the same. It is our job to make sure that you are placed with a carrier that has the most comprehensive coverage for your business, while also taking into account the varying costs from one insurer to the next.
At Financial Design Insurance Agency, we understand that a business owner does not need the added stress of worrying about insurance coverage and pricing. We are here to lighten the burden and keep you assured that your coverage is in good hands.
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