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Otto Insurance Group

5855 Chandler Ct
Westerville, OH 43082

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Otto Insurance Group

5855 Chandler Ct
Westerville, OH 43082

Phone : 888-688-6467
Fax : 740-422-0874
Email : info@otto-ins.com

Servicing States

  • Ohio
  • Florida

Life insurance FAQs

Who doesn’t have lots of questions about life insurance? That would be just about no one. It is not something that most people know much about and even less about how much to buy and what type is right for them. Having an independent insurance agent you can count on is vital when choosing your life insurance. At Otto Insurance Group in Westerville, OH we are there for our customers to answer the important questions about life insurance. 

Life insurance FAQs

What is the difference between whole life and term life insurance?

Whole life is life insurance that you will have for your whole life. It also earns dividends that give it an additional cash value over the fave value. Term life insurance has a term; it is a predetermined number of years. At the end of the term, nothing remains. What you are paying for is the protection provided by the death benefit. 

If I get life insurance as a work benefit, do I need to buy my own? 

The simple answer is yes, you do. No one can guarantee that you will spend your entire career with one company. What if the business fails? What will happen to your life insurance? If you leave your employer, will you be able to take your life insurance with you? What if you get sick and can’t work?  You need to know that those that depend on you are covered. 

Do you need to get a physical exam to buy life insurance? 

Technically not, but you will have fewer choices, and you will likely pay more than if you bought a policy with a requirement for a physical exam.  Unless you are in bad health, it is better to choose a policy that requires a physical exam. 

Call Otto Insurance Group in Westerville, OH, or stop by our offices to get the insurance you need. 

Important Auto Insurance Facts

Otto Insurance Group serves The Westerville, OH community, as well as the surrounding areas. Providing high-level customer service is important to us. We are committed to helping our clients find the coverage they need to protect their assets. We offer flexible policies, so our clients are covered in any situation. We’re looking forward to assisting you.

Basic Auto Insurance Facts

You rely on your vehicle to complete basic tasks in Westerville, OH. The seasonal changes can impact the roads, and your peers’ driving behaviors can often be unpredictable. Consider the benefits of auto insurance. Auto insurance covers you while you’re on the road. The policy covers any damage to your vehicle sustained in a collision. You are also covered if your vehicle accidentally hits someone or causes property damage. Liability coverage also protects you if a passenger in your vehicle sustains damage. Comprehensive coverage protects your vehicle if it is vandalized or stolen. This gives you peace of mind in emergency situations. You are also covered if your vehicle is damaged because of severe weather. There are other basic facts to consider while you look over your auto insurance policy.

Adding Coverage

Different variables may impact your auto insurance policy. For example, modifying your vehicle leaves you exposed to potential risks. Basic policies do not reflect the value of a modified vehicle. You can amend your policy to ensure that your modified vehicle is covered if it suffers damage.

Your Personal Items

Auto insurance doesn’t cover any damage to personal items in your vehicle. Your home or renters coverage may kick in to cover any damaged or stolen items in your vehicle.

Otto Insurance Group Will Help You Protect Your Assets

Contact us today to learn more information about auto insurance.  

5 Benefits of home insurance in Westerville, OH

When buying a new home, there’s a lot to check off the "to-do" list. Don’t let home insurance be an afterthought.

Otto Insurance Group can help take one item off your plate by finding a personalized home insurance plan that’s right for you.

Serving Westerville, OH, the agency shares five benefits of having home insurance.

Covers primary dwelling

The main role of home insurance is to protect your home. If damage does occur, home insurance kicks in by reimbursing for repair or replacement costs. Each policy will list what type of accident or natural disaster is included.

Covers other structures

This coverage extends to other parts of your property also. Any detached structures, like garages or sheds, are likely protected. Fences, gates, and decks might be too. Again, refer to your policy to determine the policy limits for each.

Protects belongings

Your possessions inside are guarded too. Personal property protection accounts for any items that are stolen, damaged, or destroyed. This extends to appliances, furniture, electronics, memorabilia, and other valuables. To ensure proper coverage, conduct a home inventory to assess the monetary value of these belongings.

Offers liability protection

Liability insurance is especially important. For this reason, it’s included in nearly any insurance policy. Liability applies to any accident or incident on your property where you are found to be legally responsible. This coverage will reimburse medical bills and legal fees that pile up as a result.

Provides loss of use coverage

Accidents happen. If you are forced to relocate temporarily, loss of use protection has your back. This will pay for any added living costs, including food, hotel stays, or even increased travel.

Contact an agent serving Westerville, OH

With a home insurance policy, Otto Insurance Group can grant safety, security, and peace of mind. Schedule an appointment today.

What Business Insurance Do I Need?

Many people don’t know what business insurance they need. There are a few different types of business insurance, and each one can protect your company from a different type of risk. Here is a look at the basics of different types of business insurance.

Property Insurance

Property insurance protects your business property from damage or theft. This includes your office building, inventory, and equipment. Most property policies also provide coverage for loss of income if your business is forced to close due to a covered loss.

Professional Liability Insurance

Professional liability insurance, also known as Errors and Omissions (E&O) insurance, protects your business from negligence claims. For example, if you’re a web developer and accidentally delete a client’s website, they could sue you for damages. Professional liability insurance can help protect you from these types of lawsuits.

General Liability Insurance

General liability insurance protects your business from lawsuits resulting from accidents or injuries that occur on your property. This includes slips and falls, fires, and injuries caused by your employees or contractors.

Workers’ Compensation Coverage

Workers’ compensation insurance provides coverage for medical expenses and lost wages for employees who are injured or become ill as a result of their job. In most states, this coverage is required by law but does not typically come with business insurance policies.

Auto Insurance

Auto insurance provides coverage for both liability and physical damage to your vehicles that occurs due to accidents. This policy also covers uninsured and underinsured motorist injuries and property damage for which you may be liable. If your employees use their personal vehicles for business purposes, you should consider adding a provision to your auto insurance policy that provides coverage for them.

There are a variety of business insurance policies available to protect your company from different types of risks. It’s important to consult with an insurance agent to find the right coverage for your business.

If you’re in Westerville, OH and need business insurance, contact the experts at Otto Insurance Group today! We can help you find the right policy to protect your company from any type of risk.