Springfield, Ohio Insurance
Wallace & Turner: Top Rated Insurance
Loss is a part of life. Sometimes, that loss is sudden and unexpected, and its impact on your life is enormous. You can’t prevent loss, but you can reduce its impact with insurance.
Insurance protects you when loss strikes, whether that loss comes in the form of damage to your car, home, health or business. In the modern world, you need insurance. And you can find comprehensive insurance in Springfield, Ohio, at Wallace & Turner.
Read on to learn about our insurance policies and why Wallace & Turner is the right insurance agency for you.
Comprehensive Personal Insurance in Springfield, Ohio
Personal insurance is a broad term for various insurance policies that can cover everything from your home and auto, to your personal belongings. But before we dive into the types of personal insurance, we need to understand why insuring your most valued possessions matters.
Your home, your car and everything else you value can disappear overnight. Fires, storms, accidents, vandalism — the threats we face every day are numerous and inescapable. You don’t have to — and shouldn’t — wait for the worst to happen and try to find a way to deal with it then. You can prepare. And insurance can help you do that.
A monthly or annual premium gives you much more than financial coverage of your property in the event of an accident or disaster. It gives you peace of mind. That’s something you can’t put a price on.
Let’s take a look at some of the types of personal insurance you may want to consider.
Home Insurance
The old saying about home being where the heart is doesn’t quite cover it. In truth, home is where just about everything that matters is: your family, your property and your shelter. Naturally, a building that you’ve invested in and contains nearly everything you hold dear deserves protection.
You can get that with a comprehensive homeowners insurance policy. And if you have a mortgage, you may not have a choice. Most lenders will require you to obtain homeowners insurance as part of the mortgage terms.
Home insurance in Springfield, Ohio, can take one of several forms:
Standard homeowners insurance
Condominium insurance
Home business insurance
Each of these types of insurance, as well as the individual policies within the types, will cover different perils, but some of the most common things that home insurance can protect against are weather-related damage, sudden or accidental damage within the home and damage from external threats like vandalism and theft. Keep in mind that many homeowners insurance policies will not cover floods, earthquakes or similar catastrophic events. You may need to obtain a separate policy to cover these particular perils.
Car Insurance
Whether you drive your vehicle multiple times a day or once a month, you must have it insured. That’s the law in Ohio, and it’s for a good reason. Having your own auto insurance protects both your car and you in the event of an accident. And everyone having auto insurance means everyone is protected on the road.
The mandatory coverage minimums for car insurance in Springfield are the same as the minimums anywhere else in the state, and the same general advice applies: don’t settle for the minimums. Thousands of car accidents happen in Ohio every year, and in the event that you are eventually involved in one, you will want much more than the minimum coverage.
There are several different types of auto insurance:
Accident-related medical coverage
Collision coverage
Liability coverage
Uninsured and underinsured motorists property damage coverage
Newly-acquired vehicle coverage
Accidental death coverage
These are all important areas to cover, but not all policies are created equal. Trust Wallace & Turner to walk you through your options and provide the best auto insurance for you.
Other Personal Insurance Policies
Auto and home insurance are just two of many types of personal insurance. These tend to get the most attention because our cars and homes are so important to us, but there are plenty of other important things in your life that may need the protection of insurance.
This is just a sample of the other kinds of personal insurance you can get from our Springfield, Ohio, insurance agency:
Renters insurance
Motorcycle insurance
Jewelry and collectible insurance
Boat and watercraft insurance
Earthquake insurance
Flood insurance
Home business insurance
Identity theft insurance
RV and travel insurance
Specialty insurance
To learn more about each of these kinds of personal insurance, click here.
Commercial Insurance: How Springfield Business Owners Stay Protected
A business in Springfield needs customized insurance in Springfield - we understand the local risks and focus on meeting the specific needs of our small, medium and large business clients. Your business is your livelihood and life’s work, and it needs protection. With commercial insurance, you can ensure that your company is covered in the event of property damage, civil liability, auto accidents, data theft and countless other hazards.
The term “commercial insurance” is an umbrella term that refers to a dozen or more kinds of business-related insurance. Below, we take a look at some of the most common types of commercial insurance.
Commercial Property Insurance
Most businesses have assets like a building, office equipment and inventory. Commercial property insurance can protect all of that. Even if you are leasing your office space or working from home, you likely have assets that deserve the protection of commercial property insurance.hen theft, fires, vandalism and similar threats occur, you can be sure your company and financials are covered.
Business Auto Insurance
All the same risks of driving your personal vehicle apply to driving a vehicle for work. In other words, if your business uses vehicles or your employees use their own cars for business purposes, you need business auto insurance.
These policies cover similar hazards that personal auto insurance covers — everything from liability for injuries to damage to the vehicles themselves.
Other Commercial Insurance Types
Your business’ property and vehicles are incredibly important assets, but they’re typically not the only things that are critical to your operations. Whatever industry your company is in, and whatever assets you need to protect, there's a customized business insurance policy available to you.
Here are examples of other types of commercial insurance:
Business owners policies
Commercial general liability
Commercial package policies
Commercial umbrella insurance
Crime insurance
Cyber and data liability insurance
Directors and officers liability insurance
Errors and omissions (E&O) and professional liability insurance
Employment practices liability insurance
Farm and ranch insurance
Tools and equipment insurance
Liquor liability insurance
To learn more about commercial insurance in Springfield, Ohio, click here.
Life and Health Insurance with Wallace & Turner
When you or a family member is sick, or there is an unfortunate death, the last thing you want to think about is the financial impact. This is why having health and life insurance is so important, from ensuring you receive the proper medical treatment, to protecting your financial well-being.
Whether you’re interested in life or health insurance for yourself and your family or for the employees of your business, Wallace & Turner can help you find the right policy to meet your needs.
More than 93% of the population in Ohio has health insurance, and the remaining 7% are left open to financial devastation due to medical debt. You don’t have to be part of that 7%, and if you’re a business owner, your employees shouldn’t have to, either. With an affordable monthly premium, health insurance can cover your medical bills so you don’t have to hesitate when it’s time to see a doctor.
Life insurance is equally important and provides priceless security for your family. If you have a life insurance policy on yourself, your designated beneficiaries receive a lump sum payment in the event of your passing. This helps with funeral and burial expenses, your lost income and anything else your loved ones need. You can also purchase life insurance policies for your loved ones to ensure that you have the means to get by while you are grieving after a tragedy.
To learn more about Wallace & Turner’s options for life and health insurance in Springfield, click here.
Why Insure with Wallace & Turner?
You don’t just need insurance. You need insurance from a trusted and respected Springfield insurance agency. For more than 150 years, Wallace & Turner has worked tirelessly to earn the respect and trust of our community.
How have we done that? With honesty, fairness and affordable prices, as well as a wide variety of policies to meet any need. In our opinion, there’s no other way to do business as an insurance agency.
Moreover, we are independent insurance agents. What that means for you is you get access to policies from a broad range of insurance carriers, and our licensed agents identify options for the most comprehensive, most affordable insurance available.
In the event you need to file a claim, you can easily contact your trusted insurance agents at Wallace & Turner. No calling a 1-800 number or working with a claims team that’s out of state. We are local and available when you need us most.
Wallace & Turner: Covering All of Your Springfield Insurance Needs
Insurance in Springfield, Ohio, is what we do. Giving Springfield residents the peace of mind they deserve is what we love. Whether you need home, auto, commercial, health, life or virtually any other kind of insurance, you’ll find it here. Ready to look toward your future with more confidence? Give us a call at (937) 324-8492 or contact us online.