Do Older Model Boats Need Insurance?

If you have a boat, you may be wondering whether or not you need to keep it protected with insurance. The truth is, the answer to this question is quite simple — yes, it is wise to keep insurance on your boat, even if you take it out on the water only once a year. If you have an older model boat, you may think that insurance is not all that valuable, but it is. Let’s take a closer look at why you should keep insurance on your boat regardless of its make and model.

Is boat insurance required by law?

In some states, boat insurance is required by the law. If you are keeping your boat stored at a marina or docked in the summer at a marina, then insurance is most likely mandated by the marina owner. The importance of having this type of insurance should never be overlooked. You never know what could happen and have this type of insurance can save you thousands of dollars. In Ohio, boat insurance is not required by state law. Talk to your Quest Financial and Insurance Services agent in Twinsburg, OH to learn more about boating laws in your state.

Why is boat insurance important?

Let’s say you get out on the water, and something happens that your boat ends up sinking. Sure, your vessel may have been 20 years old and not worth that much money, but once it goes under, it is then your responsibility to have it removed. The cost of having a diving team rig up your boat and extracting it from the water can cost thousands of dollars. With boat insurance, you can have peace of mind in knowing you are adequately covered.

To learn more about boat insurance and whether or not you need a policy, contact Quest Financial and Insurance Services serving the Twinsburg, OH area. 

Why is Umbrella Insurance Important?

Many of our customers in Twinsburg, OH assume a standard insurance policy will protect them from any and all liability claims against their home or automobile. The truth is, there are some circumstances that your basic insurance may not cover.

It’s these situations where an umbrella policy can truly become your safety net. Quest Financial and Insurance Services has put together this handy fact sheet to help our customers understand the importance of umbrella insurance!

What Does an Umbrella Policy Cover?

This type of policy provides coverage beyond the limit of your basic home, auto, or renter’s insurance. If you are found liable for damages or need to pay legal fees for a claim filed against you, these costs can possibly amount to more than what your standard insurance policy covers. Once the limit is reached on your standard policy, your umbrella coverage can be activated to cover the remaining cost.

Why is Umbrella Insurance Important?

Without this coverage to protect your assets, you could pay out-of-pocket for damages in claims against you. If you do not have enough insurance coverage, your valuable assets become exposed and you could be required to exchange them to pay off a settlement.

Even if the case is ruled in your favor, you may still have legal fees to pay that are in excess of your standard policy limits. Many unfortunate people have faced financial ruin because they did not have enough liability coverage!

We Can Help!

Quest Financial and Insurance Services is now serving Colombus and Twinsburg, OH residents who are interested in umbrella insurance coverage! Contact us today to learn more about the types of umbrella policies we can offer you, and how we can help keep your future financially secure.

How likely is a flood in Ohio?

Being towards the Northeastern corner of the country, Twinsburg, OH might not be in as much danger as New Orleans, Florida, or certain parts of Texas when it comes to flooding. This isn’t hurricane country, and when a tropical storm hits Ohio, it’s usually been softened on its way North.

How Likely Is Flooding In Ohio?

One of the dangers of flooding in Ohio is that we don’t expect to see it happen all that often, but it does happen. This means that people don’t always know to prepare for the possibility of flooding. They go uninsured and wind up without anything to fall back on when it hits. For the record, we’ve seen extensive flooding in both 2017 and 2016. Most people do not realize that a home insurance policy does not typically cover flooding either.

How Dangerous Are Ohio Floods?

In 2016, Ohio reported zero flood-related fatalities. Unfortunately, the state did see extensive damage to homes and automobiles. By the time a flood hits a town like Twinsburg, OH, it’s usually long after the residents have had fair warning, and the waters are not always severe enough to create a serious risk to life and personal safety as long as you take some precautions. You can’t evacuate your house to the next county over, so it’s a good idea to hold a reliable flood insurance policy with Quest Financial and Insurance Services.

You might never see a flood anywhere near your home in Ohio, but the state is hardly flood-proof. If you’re not covered, give Quest Financial and Insurance Services a call and see about getting insured against flood damages. Insurance isn’t about what hasn’t happened; it’s about what could happen.

How Often Should You Talk With Your Life Insurance Provider?

When you take a policy out through Quest Financial and Insurance Services, you haven’t exactly crossed the finish line just yet. In fact, as long as you are attached to a life insurance policy, you will want to make sure to do periodic check-ins on the details of your plan. Here are a few of the scenarios where you’re going to need to talk with your insurer:

Changes in the Family

If your son just won the lottery, he might not need the generous portion you had allotted to him. If you have a new wife or husband, you need to make sure that they are included in the policy. If your niece just had a child, you may want to make sure that she has something to help her along the way. These are a few examples of changes that may need to be made with a life insurance policy.  Make sure that your policy is up to date with your current financial goals for your loved ones.

Changes in Finances

If you’ve recently come into a little extra money and you want to upgrade your policy, don’t wait on it. The sooner you can beef up your plan, the better.

Investment Check-ins

If your Colombus or Twinsburg, OH life insurance policy relies on investments to pay out to your family, it’s worth checking in now and then just to make sure that you’re happy with how your provider is investing your dollars.

Once a Year Just to Check In

Finally, you’ll want to check in once a year to make sure that everything is up to date. Go over your policy, and if you have any questions or need to change anything, give our Twinsburg, OH office a call at Quest Financial and Insurance Services.

Tips to Secure Your Home this Summer

Summer is a time for playing volleyball on the beach, water skiing at the lake, and picnicking in the park. Whenever you leave for a fun day, you should make sure that your home is safe and sound. The Twinsburg, OH agents at Quest Financial and Insurance Services want to share a few tips that will keep your home secure while you’re out having fun.

Limit Garage Access

Your garage is where you store your car, lawn equipment, and work tools. In addition, it is a direct link to your home. When you leave for the day, don’t forget to leave the garage door down. If you have a garage door opener in your car, don’t leave your windows open. It would be easy for an intruder to access your vehicle and then enter your home.

Keep Your Windows Sealed

Having an air conditioning unit in the window may be less expensive than central air, but this could be a mistake. An unsecured unit on the first floor could give an intruder easy entry into your home. Think about putting the window unit on the second floor or using fans during the summer. Remember not to leave windows open at night. The cool air may feel good, but this allows easy access for burglars.

Minimize the Overgrown Shrubbery

Allowing shrubs to grow beneath your windows can add beautiful landscaping features, but this can also give outsiders a place to hide while peering into your home. Keep the shrubbery low or remove it altogether. You could also install landscape lighting. This is a great security measure and it will also give your home a wonderful glow in the evening.

Find the insurance agents at Quest Financial and Insurance Services in Twinsburg, OH for an update on your homeowners insurance. You can also get other coverage information such as auto, life, and commercial insurance policies. Our agents are here for your questions and concerns.

Is Injury Insurance Necessary For Your Business?

As a Twinsburg, OH business owner, you need to take out some type of injury insurance to protect yourself against serious lawsuits. Let our experts at Quest Financial and Insurance Services explain why this is so necessary for your protection.

What Is Personal Injury Insurance?

Personal injury insurance is known as professional liability coverage. It provides you with protection in instances when someone gets injured as a result of your business. While most common with people such as lawyers, accountants, and doctors, it can be beneficial for any business.

What It Covers And How It Helps

Professional liability insurance will cover you against claims of negligence by helping to cover legal costs during a lawsuit. It also helps cover certain elements, such as personal attacks like libel or slander, during these types of lawsuits.

However, it can also help provide you with wages for temporary employees and even covers many punitive damages that may be claimed against you in a lawsuit. In this way, you are protected from losing too much money.

Major Benefits Beyond Lawsuit Protection

While the biggest benefit of personal liability insurance is the way it protects you from lawsuits, it also has many other benefits. For example, you can also get a reimbursement of lost earnings while you work on the lawsuit and struggle to protect your business from these claims.

However, it also helps offer you assistance before any claims occur as a way of protecting you from what can be an inevitable situation. This helps keep you in the loop and prevents you from monetary loss.

So please contact us at Quest Financial and Insurance Services if your Twinsburg, OH company is suffering from a personal injury lawsuit. We can provide you with high-quality insurance that will protect you from damages.

The Best Road Trips In Ohio

If you don’t think there’s anywhere fun to go in Ohio, you’ve never been here. Folks from Twinsburg, OH have easy access to one of the best states in the nation for amazing road trips. Just get a solid policy from Quest Financial and Insurance Services, pack the car up with snacks and water, and you’re good to go. 

Put In Bay

You might think you need to drive to Florida or California to really take in a great beach experience and get some top notch seafood. Well, Put In Bay offers a coastal beach town experience right here in Ohio. This is a great place to visit whether you have a weekend to stay or just an afternoon. Rent a boat and take a trip around Lake Erie, stroll down the Boardwalk, or take a golf cart tram tour around the island to take it all in.

Hocking Hills State Park

Whether you want a laid back weekend in the country or a rugged outdoorsy experience, Hocking Hills State Park is simply incredible. You can rent a kayak to take out on the lake, stay in a beautiful cabin, go cave-diving at Ash Cave, or just go for a walk and check out Cedar Falls. Take a zip line, go camping, or go hiking. If you love the great outdoors, there’s more to do here than you’ll fit into a lifetime.

Sandusky

Sandusky is our number one recommendation. If you’ve got kids to keep entertained, head to Cedar Point. It is the roller coaster capital of the world and be sure to check out the nearby water park, Soak City. If your kids get bored on this trip, then there’s simply no entertaining them.

Before heading out from Twinsburg, OH, make sure you’ve got your insurance in check. You never know what can happen on the road, and Quest Financial and Insurance Services can help you in finding a great policy. Call our office to speak with an agent about your auto insurance today.

Protect your peace of mind by securing your Ohio home

Whether you’re purchasing your first home to start your family or you’re settling in your empty nest in Twinsburg, OH, protecting the home that you love is and should be a priority. Our agents at Quest Financial and Insurance Services understand how important your home is which is why it is our mission to deliver top quality home insurance. If you are moving into your home and haven’t considered how you will protect it from unforeseen incidents like burglary, weather disasters, or fires, allow our agents to provide you with the information you need to make the best choice for you and your family. Whether you’re worried about melting snow or break-ins, we will pick the right insurance for you.

At Quest Financial and Insurance Services, we understand how difficult or complicated it can be to choose the ideal home insurance for your home. After all, this is the net that will ultimately catch you and your family in some of the most vulnerable times of your life. Our agents will walk you through the process and answer your questions while addressing your concerns. We make it our priority to ensure that the process of choosing home insurance is seamless and as simple as possible. Your home is more than just a place to provide shelter. Ensuring its safety means ensuring the safety of your peace of mind.

It’s never too soon to choose home insurance to protect your family, your precious possessions, and the home that you love. Jot down your questions, concerns, and what you want from your home insurance and bring it into our office. Our agents in Twinsburg, OH will carefully guide you through the selection process and help you determine how much coverage you might need. Also, try our online rating tool to get quotes for your home and car from the convenience of your home.

Effective Ways to Protect Your Car From Theft in Twinsburg OH

Residents in the Twinsburg, OH area can talk to local agents from Quest Financial and Insurance Services about how to protect their car from theft. Auto break-ins and car theft are two of the biggest financial losses for vehicle owners. There are ways to protect your vehicle and reduce the risk of potential damage caused by a break-in. Simple precautions can save thousands of dollars in the long run.

Tips to avoid stressful car situations

Protecting your vehicle by parking in well-lit areas or in an enclosed garage are the two most common pieces of advice. It is also important to not leave valuable items in plain site. Instead of laying things on the seat or dash, place them in the glove box where the latch can be locked. Always take your wallet and keys with you when you go into a building. If you are worried about leaving the car open, roll up the windows and lock the doors. Many newer car models have an anti-theft system built in. It is a money saving feature that will definitely be an eye-opener if someone attempts to gain entry to your vehicle.

Quest Financial and Insurance Services serves residents living in the Twinsburg, OH area. Our agents have many helpful ideas on how to protect your home and vehicles from a wide variety of potential claims. Keep your car and its contents safe and secure. Taking certain precautions may even reduce your insurance premiums. Identifying potential hazards and avoiding them is the key to protecting your assets. Talk to our insurance agents to find out what ways will help you save the most money and get the best possible protection.

What a Lack of Home Insurance May Cost Twinsburg OH Residents

Since Quest Financial and Insurance Services began operating as an organization to help people become insured and protected, we have seen our fair share of happenings. One thing that we have seen happen all too often is homeowners both in and out of the Twinsburg, OH area thinking that they can go without home insurance and not have anything to worry about. None of us find it surprising when this perception occurs, but to this day it disappoints and frustrates us to the fullest extent. It is important that homeowners realize: home insurance is not just a nice thing to have, it could save someone’s life and finances as well.

When you own a home, you need to do more than just worry about upkeep – you are also going to have to put some money into making sure that you do not have to concern yourself with the potential cost of not having had your home properly insured in the first place. There are a lot of things that can happen to a person’s home, and these things can happen in an instant. The last thing you want to find is that you have been robbed and you have nothing to cover you.

There are a lot of costs in life, and for residents of Twinsburg, OH, one of those costs – and perhaps one of the biggest costs – is having to go without home insurance (and finding out exactly how damaging it can be to your security and peace of mind when you find that you need it). Before that happens, contact Quest Financial and Insurance Services online so that we can get things sorted out for you and find the right home insurance plan for you in just┬áminutes.