Is Theft and Physical Damage Covered With My Existing Auto Insurance Policy?

Posted on April 30, 2025April 23, 2025 by admin

As the owner of a vehicle (new or used), it’s essential to protect your investment, even when you’re not driving it. For drivers in Chesterland, OH, determining whether your existing policy covers theft and physical damage is crucial for peace of mind. At M & M Insurance Group, we’re here to help you find a suitable insurance policy and add-on protections that are right for you.

Driving in Chesterland

Even if you have a standard insurance policy for your vehicle while on the road, you may not have protection from damage or theft. It’s crucial to review your existing policy to determine add-ons that may benefit you. Working with an agent can streamline this process.

Types of Auto Insurance in Chesterland

In Chesterland, there are multiple types of coverage options, including liability, collision, comprehensive, uninsured/underinsured, and medical payment solutions. Currently, the only type of auto insurance required by law in Ohio is liability insurance.

Does Auto Insurance cover Theft in Chesterland?

Only comprehensive insurance policies cover theft for drivers living and commuting in Chesterland. Comprehensive insurance policies protect against vehicle theft, broken windows, and even theft of the vehicle. It’s important to note, however, that personal belongings in your vehicle will not be covered unless you have a standard renters’ or homeowners’ insurance policy.

What Covers Physical Damage to My Vehicle?

In Chesterland, comprehensive coverage protects against non-collision damage, while collision coverage protects your vehicle in the event of an accident. Proper coverage can assist with parking lot accidents, icy roads, and even head-on collisions with deer.

At M & M Insurance Group, we service a range of clients and drivers in Chesterland, OH. If you’re in Chesterland and want to review the coverage of your existing policy, we’re here to help. To learn more about extending the coverage you receive with your auto policy, contact us today.

Protect Your Business Against Property Damage With a Commercial Insurance Policy

Posted on March 28, 2025March 27, 2025 by admin

Owning a brick-and-mortar business brings with it the potential for physical damage to the property by a third party. In other words, if a customer or unexpected event damages your building, merchandise, or furnishings used for the business, commercial insurance will cover the damage. At M & M Insurance Group in Chesterland, OH, we can help you get the right commercial insurance policy that provides the appropriate coverage for third-party damage done to your business.

What Types of Physical Damage are Covered by a Commercial Insurance Policy?

A typical commercial insurance policy covers physical damage that’s been done to your building through various means. Some of the covered events include:

Broken windows
Fire damage
Water damage from broken plumbing
Vandalism and looting
Roof damage

A commercial insurance policy covers these and other events that cause physical damage to your property. Usually, the damage has to be accidental or caused by an individual who’s not connected to your business in any way.

Why Your Business Needs a Commercial Insurance Policy

The costs resulting from damage or theft can add up quickly, and if you don’t have a commercial insurance policy, you have to pay out of your pocket. Having a policy means you get the support you need to resolve the issue. In the meantime, you can focus on running your business and spend less time working on recovery because your insurer provides you with recovery assistance.

Contact Us Today to Get More Information About Protecting Your Business

At M & M Insurance Group in Chesterland, OH, we offer commercial insurance policies that protect your business against damage from a third party or unforeseen event. Call us today to speak to an agent about your options, and let us get you a comprehensive policy that covers just about every contingency your business might encounter.

Endorsements that increase your home insurance protection

Posted on February 28, 2025February 26, 2025 by admin

A home insurance policy includes basic types of coverage such as property, content, liability, and loss of use. These provide a broad range of protection but may not be sufficient for your specific needs. The use of endorsements or riders allows you to customize your home policy to fit your personal requirements. We will work with you at M & M Insurance Group in Chesterland, OH to ensure you have the coverage you need.

Windstorm Coverage

In some parts of the country, certain windstorm damages are not covered. Your policy may exclude tornadoes, hurricanes, or named storms. This rider will provide the protection you need to feel secure.

Sinkhole Coverage

Sinkholes are occurring more frequently across the country. While some areas seem more prone to sinkholes than others, if you feel that you are at risk, this endorsement will provide the coverage you require.

Sewer Backup

Most home insurance policies do not cover sewer backup, which is often considered owner neglect. However, there are instances when the backup is not related to any care you provide. By having this coverage, you protect yourself from the damage that such an event can cause.

Valuables Coverage

A standard home insurance policy covers most types of valuables, such as jewelry, art, or electronics, with limited coverage. The keyword is limited. You likely don’t have enough coverage if you have more than basic jewelry. Getting your jewelry appraised and then getting the correct amount of coverage is essential. Reading your policy so that you know the amount of coverage you have and whether it is adequate is crucial.

At M&M Insurance Group in Chesterland, OH, we are here to help you with your home coverage. Call our office or visit our website.

Ohio Winters Demand Careful Driving – and Insurance

Posted on January 31, 2025January 29, 2025 by admin

Drivers of all skill levels share the road, from the highly proficient to the less experienced. This diversity is one of the many reasons why having auto insurance is essential. It’s why drivers in and around Chesterland, OH, trust M & M Insurance Group for their auto insurance needs. Whether it’s dealing with other drivers, challenging road conditions, or distracted driving, insurance provides the safety net drivers need every time they get behind the wheel.

Ohio Winters Call for Cautious Driving and Adequate Insurance

Ohio winters can bring slick, wet, icy, and snowy road conditions. These challenging conditions demand careful driving and the right insurance protection. When you add in the unpredictability of other drivers, it becomes clear that auto insurance is crucial for staying safe, regardless of the season, weather, or road conditions.

Providing Protection and Peace of Mind for Chesterland Drivers

If you live in the greater Chesterland, OH area and have questions or want to learn more about auto insurance, we’re here to help. At M & M Insurance Group, our experienced team of agents is committed to helping drivers stay safe with auto insurance solutions tailored to their needs. Contact us to learn more and schedule an appointment today for the protection and peace of mind you need and deserve with M & M Insurance Group.

Points to Consider When Searching for Second or Vacation Home Insurance

Posted on December 31, 2024January 5, 2025 by admin

A vacation home or second home is a major investment that should be cared for properly. One thing that must be handled quickly is getting insurance on the property. Unlike your primary home, a second or vacation home requires a specialized policy that addresses the unique risks associated with intermittent or seasonal use. Understanding a few points about these policies can help you find the right policy for your property.

Coverage Options

Insurance for vacation homes typically includes dwelling coverage, personal property coverage, and liability protection. Dwelling coverage helps pay for repairs or rebuilding if events like fires, lightning, or storms damage your home. M & M Insurance Group can discuss tailored policies that consider the specific risks of your property’s location.

Evaluating Risks and Location

The location of your vacation home significantly impacts your insurance rates and coverage. Properties in high-risk areas, such as those prone to hurricanes or floods, may require additional coverage. Factors like usage frequency, property type, and the presence of unique features like a pool or hot tub can also affect premiums.

Specialized Policies for Vacation Homes

Seasonal home insurance policies are designed for homes used occasionally. They often cover named perils such as fire, theft, vandalism, and water damage.

If you rent out your vacation home, you may need a more specialized policy. This coverage helps protect against liability and property damage when renters occupy your home.

Protecting Your Second Home

Contact M & M Insurance Group today to explore comprehensive coverage options for your second home in the greater Chesterland, Ohio, area.

A Local’s Guide to Winterizing your Vehicle in Chesterland OH

Posted on November 27, 2024November 26, 2024 by admin

Colder temperatures have arrived, which means preparing yourself and your vehicle for winter driving. Learn a few tips and techniques for winterizing your vehicle from M & M Insurance Group in Chesterland, OH.

How to Winterize Your Vehicle in Cleveland

Check Your Battery

Icy weather can drain your battery quickly. It is important to check your battery to ensure it is adequately charged or replace batteries that have passed their estimated replacement dates.

Monitor Fluid Levels

Maintaining correct fluid levels, such as winter-grade motor oil for your engine, anti-freeze, and weatherproof windshield wiper fluid, can help you have a smoother winter ride and reduce the likelihood of maintenance-related breakdowns that could leave you stranded on the side of the road.

Inspect Car Tires

Your tires carry the weight of a vehicle and its passengers. Carrying heavy loads while navigating snow and salt-covered roads means that tires should be frequently inspected during the wintertime. Maintaining proper tread and tire pressure can help prevent wintertime blowouts and waiting for emergency roadside services in icy temperatures.

Check Your Brakes

Ensure your brakes work properly by taking your vehicle to an authorized service center for winter car care inspection. It is important to inspect your brakes as stopping distances can drastically increase on snow-covered and icy roads.

Get Comprehensive Collision Insurance

Properly winterizing your vehicle can help reduce the likelihood of getting into car accidents. However, there is no guarantee that fender benders, tire blowouts, and major accidents won’t happen on slick and slippery roads.

Protect your auto from various damages related to natural disasters, theft, vandalism, and collisions by contacting M & M Insurance Group in Chesterland, OH for a comprehensive and collision auto insurance quote today!

I have a small online business. Do I need commercial insurance?

Posted on October 31, 2024October 28, 2024 by admin

Regardless of the type, size, and scope of their business, business owners have assets to protect. Having the right type of insurance and coverage is essential. Without adequate coverage, a business is vulnerable. Often, insurance is the difference between sustaining a company and going out of business due to unforeseen or inadequately prepared for accidents or incidents. That’s why our team at M & M Insurance Group is committed to helping Chesterland, OH, business owners stay protected by getting coverage that meets their unique needs.

What is commercial insurance?

Commercial insurance, also known as business insurance, is designed to protect businesses in various ways. It covers property damage, liability, business interruption, theft, natural disasters, and much more. Worker injury coverage is also included in commercial insurance coverage. Commercial insurance is tailored to meet the unique needs of any given business. As a result, other forms of coverage are available to business owners, in addition to the typical forms of coverage.

Do I need commercial insurance for my small online business?

Even if you run a small online business, commercial insurance can be beneficial. Commercial insurance can provide product liability coverage and more if you sell a product online online. It can also provide cybersecurity for your online business. Even if you’re the only employee, commercial insurance can provide protection for the safe operation of your business online, as well as any issues that may affect your business online. If you have questions regarding your insurance options as a business owner, contact us. We’d be happy to answer all of your questions.

How to Insure a Historic Home

Posted on September 30, 2024September 29, 2024 by admin

Insuring a historical house can be a complex process, as such homes are often either excluded from or denied home insurance coverage, mainly due to their age. Aged properties are notoriously prone to structural issues and require more comprehensive protection. If you’re a proud owner of a historic home in Chesterland, OH, and need insurance, you might want to consider a specialized policy. Our M & M Insurance Group experts recognize the deep-rooted sentiment connected to older homes and are here to assist you.

Step 1: Secure an Appraisal

The first step in insuring a historic property is to obtain a precise appraisal. Someone specializing in historic buildings must do the appraisal to ensure your home is insured for the right amount. The appraisal should cover both the house itself and the accompanying land. Historic homes often feature unique landscaping and outbuildings, and a home insurance policy should also cover these elements.

Step 2: Document Everything

Once you’ve ascertained the home’s worth, it’s time to begin the documentation process. Despite being time-consuming, documentation is a critical step in ensuring your property is adequately insured. Photos, written records, receipts, and more can all serve as valuable documentation tools. Your documentation should provide a detailed record of improvements, repairs, and renovations.

Step 3: Seek Out Specialized Coverage

Rather than limiting yourself to standard home insurance, you can explore policies explicitly designed for historic homes. Once you find a suitable policy, ensure it meets all of your home’s needs by covering the full cost of its restoration and maintaining adequate limits.

Contact M & M Insurance Group in Ohio!

Owning a historic home can be a rewarding experience, but it comes with unique challenges. Specialized historic home insurance is a must to maintain the property optimally. If you’re ready to discuss this further, the team at M & M Insurance Group’s Chesterland, OH office is eager to help. One of our representatives can assist you in finding the proper coverage.

When is the best time to review your auto policy?

Posted on August 30, 2024August 29, 2024 by admin

Most US states require you to carry auto insurance if you are taking your vehicle on the road. Every state has its requirements depending on whether it is a no-fault state. In Chesterland, OH, the experienced independent insurance agents at M & M Insurance Group can help you review your auto coverage and suggest the best carrier for your needs.

When your bill is renewed

Most auto insurance policies renew every 6 or 12 months. When it is time to renew, your insurance company will send you either a paper copy or a digital copy of your policy. The front page of the policy is the declaration page. This is a synopsis of your policy and an easy way to see your coverage at one glance. Always look it over; if anything doesn’t seem right or the rate has jumped, it’s time to find out why.

When you add a new driver

When you add a new driver, especially a young driver, it is important to review your coverage to ensure it reflects what you need. You may want to add full coverage as well as roadside assistance.

When something in your life changes

Life changes, and you may want to reconsider some of your coverage when it does. You may wish to return to basic coverage when your car gets older. You may want to add more liability coverage if you add a teen. If your insurance is too expensive, you may want to raise your deductible, which can significantly impact what you actually pay.

When you want your auto insurance reviewed by an agent in Chesterland, OH, call our office at M & M Insurance Group.

Importance of Reviewing Your Home Insurance Policy Each Year

Posted on July 31, 2024July 31, 2024 by admin

Home insurance involves making several decisions to ensure you have the best coverage for your needs. It’s easy to breathe a sigh of relief once you’ve finalized these choices. However, at M & M Insurance Group, we believe it’s essential for Chesterland, OH residents to review their home policy each year. Life is continuously changing, which can significantly impact your coverage needs.

A year—despite seemingly flying by—is made up of 365 days, and several changes could occur within this period, including:

Birth or adoption of a child
Marriage or divorce
A family member passing away
Kitchen or bathroom renovations
Adding a room or other structure
Starting a home-based business
Decreasing your home loan or refinancing
Retiring
Installing an alarm system
Upgrading the electrical system
Purchasing new furniture, artwork, or other valuables

Reviewing your policy annually ensures that these changes are factored into your coverage. It offers several benefits, such as:

Increasing coverage: If you’re upgrading your home, starting a business, or acquiring new assets, you will likely need additional coverage.
Decreasing coverage: Some changes, such as refinancing for a lower cost, may decrease necessary coverage.

While an annual review doesn’t always imply changes to your home policy, it ensures that your policy remains suitable to your current situation. If you’re in Chesterland, OH, let our M & M Insurance Group team help you evaluate your coverage. Get in touch with us via a call or visit our office.

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