3 Ways to Protect Your Motorcycle from Theft

Motorcycles are everywhere. They are also one of the easiest vehicles to steal. There are several things you can do to keep your motorcycle safe and secure. The agents at Brown & Brown Insurance are available to help Perrysburg, OH keep their motorcycles safe and secure both on and off the road.

Install a Security System

Security systems are available for most motorcycles and often include a hidden kill switch that you can use to remotely turn off your bike if it is ever stolen. Many of these systems include tracking devices that will allow you to find your motorcycle no matter where it has been taken. Security systems are easy to install and will give you the peace of mind you need to keep your motorcycle as safe as possible.

Park Your Motorcycle in a Garage or Other Enclosed Area

If at all possible, park your motorcycle in a garage or other enclosed area that can be locked. If that’s not possible, park it under a carport or next to a light pole and secure it using a chain or other type of reinforced metal cord that can be locked with a padlock or key lock. Securing it to something heavy is the best way to keep it from being moved.

Use a Steering Lock

Use a steering lock to prevent the bike from being driven. A properly placed steering lock will prevent the front wheel from being moved sufficiently enough for it to be driven. They are easy to put on and take off and will keep your bike from being ridden without your knowledge.

At Brown & Brown Insurance, Perrysburg, OH residents can find many of the answers they need to protect their motorcycles and other vehicles from theft. Call and schedule an appointment today to talk to an agent!

Three things to know about boat insurance in Ohio

As a boat owner, it’s important that you protect yourself against financial risk resulting from boat ownership and usage. We provide boat insurance policies to boat owners in Perrysburg, OH at Brown & Brown Insurance.

The following are three things to know about boat insurance in Ohio.

Boat coverage protects you against liabilities.

Unfortunately, accidents can happen out on the water. These accidents can cost a lot of money. Boat accidents can lead to extensive property damage and even medical bills.

If you are deemed at fault in a boat accident, you could be held liable for these costs. Boat coverage protects your assets when you’re held liable for accident damages. 

Boat coverage protects the value of your boat.

A boat is a valuable possession. Without any insurance coverage, you will have to pay to have your boat repaired after an accident. 

With boat coverage, boat repairs will be covered by your insurance provider in many scenarios. This gives you confidence and peace of mind as a boat owner. 

You may need to purchase add-on coverage for your possessions.

If you spend a considerable amount of time in your boat or live in your boat, you may have a lot of personal possessions inside it.

A standard boat insurance policy may include some coverage for personal possessions. However, you’ll probably need to add on coverage for personal effects if you have a lot of valuable possessions within your boat that you want to be covered for. 

If you’d like to purchase a boat insurance policy in Ohio, we can help you at Brown & Brown Insurance. Get in touch with us for boat insurance geared toward the unique needs of boat owners in Perrysburg, OH. 

Three things you need to know about umbrella insurance

Umbrella insurance is an important financial product to invest in so that you can protect your assets. We provide umbrella insurance policies to consumers in Perrysburg, OH at Brown & Brown Insurance. 

If you’re interested in purchasing an umbrella insurance policy, you should know the following three things about this important financial product.

Umbrella insurance complements home and auto insurance coverage. 

An umbrella policy typically will kick in once you’ve maxed out the coverage offered by your home or auto policy.

Umbrella insurance covers you for liability damages that cost you more than your policy maximums for home and auto coverage. A liability accident related to your home or vehicle can cost you much more than your policy maximums. That’s why umbrella coverage is such a good idea. 

Umbrella insurance coverage can also add to the coverage your get for a recreational policy.

Some consumers make the assumption that umbrella coverage only relates to home and auto insurance policies. However, this is not the case.

If you own a recreational vehicle like an RV or a boat, your umbrella insurance coverage can also apply to recreational or boat insurance policies. This makes umbrella insurance coverage an especially good idea for those who own recreational vehicles. 

Umbrella insurance can cover you for accidents abroad.

One great thing about umbrella insurance coverage is that it can apply to accidents that occur abroad. This makes umbrella insurance a good investment for those who travel frequently outside the country. 

It’s important to do your research and shop around before you select an umbrella insurance policy. We can help you to learn more about umbrella insurance and to make an informed decision about which policy to choose. Get in touch with us at Brown & Brown Insurance in Perrysburg, OH to learn more. 

Three features your RV insurance policy should offer

You need to find the right RV insurance policy if you want to enjoy peace of mind when traveling via RV in Perrysburg, OH. We provide RV insurance policies to meet your needs at Brown & Brown Insurance. 

The following are three features your RV insurance policy should offer.

Roadside assistance

Your RV could break down while you’re on the road and require service. When this happens, it’s important to have a roadside assistance service available to fall back on.

You should know that a lot of insurance providers will offer a roadside assistance feature on their RV insurance policies. If you’re insuring your RV, it’s a good idea to invest in RV roadside assistance coverage.

Roadside assistance coverage can save you a lot of money and simplify things for you if you do experience a breakdown or severe accident that makes it so you can’t drive your RV to a nearby garage. 

Uninsured motorist coverage

It’s important to be aware of the fact that many drivers out there aren’t carrying the required amount of insurance coverage. If you get in an accident with such a driver, you need uninsured motorist coverage. You should invest in uninsured motorist coverage as a feature on your RV insurance policy. 

RV replacement costs

You could possibly end up in an RV accident that leads to a total loss. If this happens, you want to be able to receive compensation from your RV insurance company for the full amount that your recreational vehicle is worth.

That’s why it’s important to invest in an RV insurance policy offering you total loss replacement coverage. 

Are you ready to find the right RV insurance option in Perrysburg, OH? We’re here to help. Contact us at Brown & Brown Insurance to learn more about our policy options. 

Common Exclusions for Motorcycle Insurance

The only thing worse than a motorcycle accident is a motorcycle accident that your insurance company won’t pay for. If you want to make sure that your Perrysburg, OH insurance policy covers your damages, you’re going to have to make sure to cross your t’s, dot your I’s, and avoid these common reasons for denied claims:

  • You didn’t file your claim on time. Different insurers have different timeframes, but they all have a deadline. You can’t file your claim a year later and expect it to be approved. File on time.
  • You didn’t collect the evidence to support your claims. Getting pictures with your phone and keeping an accurate record of the accident is essential. Your phone probably has a voice recording app, so use that to record your version of the events as soon as the accident happens.
  • You don’t have the protection you think you have. Liability will cover the other person in an accident, but not you. Comprehensive and collision will pay for your losses, but not for your remaining motorcycle payments, and not for a new bike. Total protection means liability, comprehensive and collision, uninsured and underinsured motorist insurance, gap insurance, and new motorcycle insurance.
  • You skipped a payment. Don’t let your insurance expire, stay up to date on your payments.
  • You didn’t get your facts straight. If you filed an uninsured motorist claim and the other driver has insurance, you’re going to have to refile.

If you’re looking to get covered in Perrysburg, OH, get in touch with us at Brown & Brown Insurance. It’s important that you ride safely, and Brown & Brown Insurance is here to help you do just that.

Do I need boat insurance in Ohio

Owning a boat in Ohio opens up access to a world of outdoor fun. With over 29,000 miles of rivers, of which 219 miles have been designated wild and scenic and more than 50,000 lakes and small ponds, it could take a lifetime to enjoy them all. You are not required to carry boat insurance in Ohio, but that does not mean having it is a bad idea. When you buy a boat, it is often a significant investment, and protecting your investment is something that Brown & Brown Insurance in Perrysburg, OH is here to help you with. 

Boat insurance covers a variety of types of boats. It can be a fishing boat, a pontoon boat, a yacht, and even a paddleboat. It does not usually cover watercraft, such as kayaks, canoes, or personal watercraft. In some cases, your home or auto insurance may offer limited coverage in specific cases. Not all boat insurance policies are the same, but here are some things that may be covered. 

Damage to your boat

Many things can damage your boat. It can be damaged in a collision with another vehicle. It can come into contact with a structure like a dock or an underwater obstacle such as a submerged rock or tree. It can also be damaged by a lightning strike, vandalism, or being struck by flying objects. Theft of your boat is also included. 

Other boats or people

In the event of a collision with another watercraft or structure, boat insurance offers liability for damage to someone else’s property or medical liability for any injuries sustained. 

Before you take your boat out to enjoy all the water that Ohio has to offer, give Brown & Brown Insurance in Perrysburg, OH a call to set up an appointment. We can help you to find the best boat insurance carrier for your needs and your budget. 

How Umbrella Insurance Can Protect Your Business

If you own a business in Perrysburg, OH, then you want to make sure you have the right insurance to protect it. By having a commercial umbrella policy, you can increase your limit of general liability insurance, employer’s liability insurance, and commercial auto liability insurance. You can protect your business against the most expensive liability lawsuits with this extra coverage. 

Commercial umbrella insurance can give your business extra coverage for third-party bodily injury, third-party property damage, auto accident, and employee injury claims. It will depend on where you add the umbrella coverage. If you add umbrella coverage to your general liability, then it can cover legal expenses or medical bills if someone is injured on your business property. It can also cover damaged customer property once added to a general liability policy. If you add umbrella insurance to your employer’s liability insurance, then it helps protect you against employee lawsuits that are over work injuries. If you add it to your commercial auto policy, then it helps cover the cost if someone sues you for damages caused by your commercial vehicle. Speak with an agent at Brown & Brown Insurance to see where adding commercial umbrella insurance makes the most sense for your business in Perrysburg, OH. Your umbrella insurance policy may cover some other risks that your typical liability policy excludes. For example, many general liability policies don’t include any coverage for liquor liability insurance, but umbrella insurance may.

Even though adding commercial umbrella insurance to your policies can protect you from several things and really up the limits on your current policies, there are still some things it can’t cover. It doesn’t include any damages that are within underlying policy limits, employee discrimination lawsuits, professional errors, or business property damage. Umbrella insurance won’t kick into until the underlying policy has reached its limit.

Contact Brown & Brown Insurance to get a quote on umbrella insurance.

Tips and Advice on Buying RV Insurance Beneficial for you in Ohio

Investing in an RV is a critical decision that many individuals are doing for travel and living purposes. Over the years, many people have found it more beneficial for them to make an RV their home. Whether it is permanent or just for traveling purposes, having the proper RV insurance coverage is vital as an RV owner. 

Our team at Brown & Brown Insurance has made it our mission to make sure that our clients are provided with reliable insurance coverage. We are based in Perrysburg, OH, and have served the local residents with our services for many years. When it comes to owning an RV, we are here to help you with the coverage that will protect you and your RV in every situation. Here are a couple of reasons as to why having RV insurance is a necessity for RV owners. 

Under Ohio state laws, all RVs are not required to have insurance. However, it is highly recommended as it protects you in many ways. If you happen to get into an accident, with RV insurance, you will be able to protect yourself and any other parties in regards to medical expenses and repairs if necessary. If you are financing your RV, then your lender will want to make sure that your investment is protected as well. If you plan to spend an extensive amount of time within your RV (including traveling or making it your permanent home), RV insurance will also help you with any repairs/routine maintenance upkeep that you will have to keep up with. 

Would you like to discuss the RV insurance options we have available to you? You can contact our team at Brown & Brown Insurance via phone call during our business hours at (833) 222-2824. If you would like to inquire about any questions or concerns via e-mail, you can message us at rmoore@bbins.com, and an agent will respond to your inquiry in a timely fashion. 

What protection does motorcycle insurance provide for me?

Motorcycle insurance is required in the state of Ohio. The coverage must meet the same minimum insurance requirements as all motor vehicle policies. Ohio minimums are $25,000 bodily injury for a single injured person, $50,000 bodily injury per accident and $25,000 in property damage coverage. Brown & Brown Insurance serving Perrysburg, OH is prepared to help you determine if more significant coverage is right for you.

Minimum coverage

The minimum coverage required by Ohio law is only the base level of insurance coverage offered. You can always buy additional protection. For example, if you are in an accident with multiple people who require extensive medical care, you may be sued for additional damages.

For motorcycle riders with high earnings and other assets, the risk of facing a lawsuit can be greater when you are involved in an accident. If you travel with other people, greater bodily injury coverage is a worthwhile investment.

Add-ons

Beyond the basic policy, you may prefer to opt for policy offerings that provide additional value. Additional motorcycle insurance policies can be added too, just like your auto policy.

Collision coverage helps you pay to repair damage to your motorcycle when you are at fault.

A comprehensive option provides payments if your motorcycle is damaged in a wreck that does not involve another vehicle or when you are the victim of theft. When cycling through rural Ohio, wrecks involving wildlife are always a concern, and a comprehensive policy is ready to provide assistance. Should you finance a motorcycle purchase, collision or comprehensive coverage may be required by the financing company.

Customization coverage is an additional option to consider when you have decked out your bike with add-ons such as chrome, upgraded sound systems, custom pipes, or a set of saddlebags.

To discuss the best insurance policy for your new or new-to-you motorcycle, contact the Brown & Brown Insurance Agency serving the Perrysburg, OH area.

What Do I Need to do If I’m Involved in a Boating Accident?

Brown & Brown Insurance agents can assist customers who have been involved in a boating accident figure out what steps need to be taken. If you live in Toledo or Perrysburg, OH, and own a boat, you must follow the state’s boating laws and respect other boaters’ rights while on the water. If an accident does occur, you need to know what steps to take. 

Exchange Insurance Information

Boat owners should have some type of boating insurance that covers both damage and liability if they plan on boating on public waterways. If an accident does occur, you should immediately exchange insurance information. Calling your insurance agent and providing all of the details is also an important part of the process.

Call a Conservation/Police Officer

Any time you are involved in an accident, be it on the water or the road, you need to call the authorities. If you are involved in a boating accident, you should call a conservation officer. If the accident is severe, they may then opt to choose to call the local, county, or state police. An accident report will be filled out and should then be sent to your insurance agent.

Visit the Doctor If You Are Injured

If you have received an injury or want to get checked out, visit a doctor as soon as possible. 

Boating accidents can be frightening. It’s important to know that all of your bases are covered. If you have boating insurance through Brown & Brown Insurance, contact one of the agents for a review. Residents who live in Toledo or Perrysburg, OH are encouraged to call and talk to an agent at their earliest convenience.