Comprehensive Insurance Solutions

Explore our wide range of insurance products tailored to meet your needs.

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Our Products

  • Standard Auto
  • Non-Standard Auto
  • Financial Bonds (SR-22's)
  • Commercial Auto
  • Collectible's
  • Agreed / High Valued Vehicles
  • Dwelling
  • Homeowners
  • Condo's
  • Landlord / Rental Properties
  • Renters Policy
  • Manufactured & Modular Homes
  • Airbnb's
  • Motorcycle
  • ATV / UTV
  • Off-Road Vehicles
  • RV / Motor Home
  • Camper
  • Travel Trailer
  • Golf Carts
  • Watercrafts / Boats
  • And More!
  • BOP - Business Owner Policy
  • General Liability
  • Professional Liability
  • Workers Comp
  • And More!

Umbrella Insurance:

Extra liability coverage beyond standard policies.

Flood Insurance:

Protect your property and contents from flood-related damage with our comprehensive flood insurance coverage.

Note: Did you know anyone can experience a flood? According to the National Flood Insurance Program (NFIP), a flood is defined as:

A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties from:

  • Overflow of inland or tidal waters;
  • Unusual and rapid accumulation or runoff of surface waters from any source;
  • Mudslides caused by flooding; or
  • Collapse or subsidence of land along the shore due to erosion or undermining caused by waves or currents.

For more information on flood insurance and how it can protect you, please contact us.

  • ID Shield - Identity Theft Plan
  • LegalShield - Legal Protection Services
  • Available Legal Plan Supplements:
  • • Home Business Supplement
  • • Gun Owners Supplement
  • • Ride Share and Delivery Supplement
  • • Trial Defense Supplement

Cinch Home Warranty:

Home warranty service plans for appliance and system repairs.

Solo Insurance:

Wind/hail and tornado coverage with no deductibles.

Our Insurance Partners

We collaborate with a diverse range of insurance carriers to offer you comprehensive coverage options. Click on the logos below to access the client login pages for most of our carriers. Some options may not be displayed, so feel free to contact us for more information, including surplus and excess lines available for hard-to-place insurance products.

 

Below are some of our trusted partners:

Direct Partnerships:

  • Aegis
  • American Modern
  • Bristol West
  • CoverTree
  • Dairyland
  • Foremost
  • GAINSCO
  • GEICO
  • Hagerty
  • National General
  • Ohio Fair Plans
  • Progressive
  • Tower Hill

Additional Resources:

  • Cinch Home Warranty Service Plans
  • Solo Insurance for wind/hail/and tornado coverage
  • Legal Shield and Id Shield. 

 

As a member of OIA/Big-I markets, we have access to additional companies such as:

  • Branch
  • Chubb
  • Openly
  • Safeco
  • Steadily

As solutionists, we strive to find the right solutions to fit your needs.

For more information on our partners and coverage options available, please contact us.

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Understanding Insurance Coverage Options

Have you ever wondered what you’re purchasing when it comes to insurance? Understanding the coverages available for each product is crucial. In this section, you’ll find common explanations of the coverages for various insurance products. Click on each product to learn more about the specific coverages available.

Auto Insurance Coverage
  • Liability Coverage: Covers the costs of damages and injuries you cause to others in an accident. This includes medical expenses, repair costs, and legal fees if you’re sued.
  • Collision Coverage: Pays for repairs to your car if it’s damaged in a collision with another vehicle or object, regardless of who is at fault.
  • Comprehensive Coverage: Covers damages to your car from non-collision events such as theft, fire, vandalism, natural disasters, and falling objects.
  • Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with a driver who has no insurance or insufficient coverage. It covers medical expenses and property damage.
  • Uninsured Motorist Property Damage (UMPD): Specifically covers damage to your vehicle caused by an uninsured driver if you don’t have collision coverage.
  • Medical Payments (MedPay): Covers medical expenses for you and your passengers, regardless of who is at fault in an accident.
  • Personal Injury Protection (PIP): Covers medical expenses, lost wages, and other related costs for you and your passengers, regardless of fault. It may also cover rehabilitation and funeral expenses.
  • Rental Reimbursement: Pays for a rental car if your vehicle is being repaired due to a covered accident.
  • Roadside Assistance: Provides services like towing, flat tire changes, battery jump-starts, and lock-out assistance if your car breaks down.
  • Agreed Value Coverage: Ensures your high-value or classic vehicle is covered for its agreed value, which is a predetermined amount agreed upon by you and the insurer.
  • Dwelling Coverage: Protects the structure of your home, including the walls, roof, and foundation, against risks like fire, wind, and hail.
  • Other Structures Coverage: Covers structures on your property that are not attached to your home, such as detached garages, sheds, fences, and gazebos.
  • Personal Property Coverage: Covers your personal belongings, such as furniture, electronics, and clothing, against risks like theft, fire, and water damage.
  • Liability Coverage: Protects you against lawsuits for bodily injury or property damage that you or your family members cause to others. It also covers legal fees and court costs.
  • Medical Payments Coverage: Pays for medical expenses if someone is injured on your property, regardless of fault. This can include minor injuries like a slip and fall.
  • Loss of Use Coverage: Pays for additional living expenses if your home is uninhabitable due to a covered loss. This can include hotel stays, restaurant meals, and other living expenses.
  • Water Backup of Sewage and Drains: Covers damage caused by water backup through sewers or drains, which is typically not covered by standard homeowners insurance.
  • Actual Cash Value (ACV) vs. Replacement Cost: ACV covers the depreciated value of your items, while Replacement Cost covers the cost to replace them with new items of similar kind and quality.
  • Service Line Coverage: Covers the cost of repairing or replacing damaged underground utility lines, such as water, sewer, and electrical lines, that run from the street to your home.
  • DP1, DP2, DP3: Different levels of dwelling policies with varying coverage options.
    • DP1: Basic form, covers named perils like fire, lightning, and vandalism.
    • DP2: Broad form, covers DP1 perils plus additional perils like falling objects and water damage.
    • DP3: Special form, covers all risks except those specifically excluded.
  • HO1, HO2, HO3: Different levels of homeowners policies with varying coverage options.
    • HO1: Basic form, covers named perils like fire, theft, and vandalism.
    • HO2: Broad form, covers HO1 perils plus additional perils like falling objects and water damage.
    • HO3: Special form, covers all risks except those specifically excluded.
  • General Liability: Covers legal fees and damages if your business is sued for causing bodily injury or property damage to others. It also covers medical expenses for injured parties.
  • Professional Liability: Protects against claims of negligence, errors, or omissions in professional services provided by your business. This is also known as Errors and Omissions (E&O) insurance.
  • Workers Compensation: Covers medical expenses and lost wages for employees who are injured or become ill due to their job. It also provides disability benefits and death benefits.
  • Business Owner Policy (BOP): Combines general liability and property insurance into one policy for small businesses. It typically includes business interruption insurance as well.
  • Commercial Property Insurance: Protects your business’s physical assets, such as buildings, equipment, and inventory, from risks like fire, theft, and natural disasters.
  • Business Interruption Insurance: Covers lost income and operating expenses if your business is temporarily closed due to a covered event, such as a fire or natural disaster.
  • Cyber Liability Insurance: Protects against data breaches, cyber attacks, and other cyber-related incidents. It covers costs like notification expenses, legal fees, and credit monitoring for affected customers.
  • Commercial Auto Insurance: Covers vehicles used for business purposes, including liability, collision, and comprehensive coverage.
  • Product Recall Insurance: Covers expenses related to recalling a defective product, including notification costs, shipping, and disposal of the recalled products.
  • Equipment Breakdown Insurance: Covers the cost of repairing or replacing damaged equipment due to mechanical or electrical breakdowns.
  • Importance of Recreational Insurance: Protects your valuable recreational vehicles and equipment from accidents, theft, and damage, ensuring you can enjoy your outdoor activities without financial worries.
  • RV and Motorhome Insurance: Covers Road risks and often includes contents and liability while parked as a temporary residence.
  • Boat and Watercraft Insurance: Covers damage to boats, liability for injuries, and sometimes towing and assistance on water.
  • ATV and Off-Road Vehicle Insurance: Covers ATVs, dirt bikes, snowmobiles, and other off-road vehicles against accidents, theft, and damage.
  • Travel Trailer Insurance: Covers travel trailers, including those used as seasonal or permanent homes, against risks like accidents, theft, and damage.
  • Golf Cart Insurance: Covers golf carts used on and off the course against accidents, theft, and damage.
  • Pull-Behind Trailer Insurance: Extends liability coverage from your auto policy to a trailer while it’s attached to your vehicle. Physical damage coverage for the trailer itself usually requires a separate policy.

Ready to Protect What Matters Most?

Explore your insurance options and find the coverage that best suits your needs. Whether you’re ready to get a quote or need personalized advice, we’re here to help.

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Why Choose Us?

At Easy Insurance Solutions, we understand that choosing the right insurance can be overwhelming. Our goal is to make it simple and stress-free. With a wide range of coverage options and personalized support, we’re committed to helping you protect what matters most.

Get Started Today!

Click the buttons above to get a quote or contact us for more information. We’re here to assist you every step of the way.