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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

What Happens If I Make A Claim On My Home Insurance Policy?

If you make a claim on your home insurance policy, you can expect to receive a letter from your insurer asking for further details about the damage and what caused it. Your insurer will then assess whether or not it is liable for the claim and if so, how much it will pay to put the property back in good order. 

If you have a dispute about the amount of money being offered, you can then contact your insurer’s customer service team who will be able to advise you on how best to proceed with your complaint. For expert assistance, talk to Otto Insurance Group in Westerville, OH.

Making A Claim On Your Home Insurance Policy 

When you make a claim on your home insurance policy, the company will send a form that clearly outlines the facts and procedure. There are a few things you can do during the claim process to get the most out of your insurance. 

  • Ensure you know your policy’s terms and conditions.
  • Check your policy for early claims.
  • Opt out of having your policy changes.
  • Follow up with your insurance company every two months to make sure your claim is being processed.
  • Keep track of your claims. When you receive a notice that your home insurance has been paid, leave the notice on the refrigerator and come back to it when you are done with the business end of the claim. 

Home insurance can be a really valuable part of your coverage. If you have a claim and you are insured, you will likely be responsible for any payment you receive. 

Give Us A Call

Most home insurance policies will provide you with a claim notice if you need assistance. If you’re not insured, you will likely be responsible for the entire cost of hiring an expert to help you get it resolved. Discuss with Otto Insurance Group and inquire in Westerville, OH.

Do I Need To Insure My Boat If It’s Kept In A Storage Facility?

If you have a storage facility that is in a high-risk location for fire, theft, etc., you will want to make sure you have the right insurance in place to protect your belongings. This will prevent issues if there is a fire, if something is stolen or if the facility is damaged. 

Storage facilities will require you to have a policy in place. If living in the greater Westerville, OH community, consult with Otto Insurance Group. 

What to Know About the Boat Storage Insurance 

Most storage facilities offer some level of insurance coverage, but it’s best to confirm ahead of time what is provided and what is not. Storage facilities are often hesitant to provide coverage for things that can go wrong with a boat in storage, as they are not responsible for associated risks. 

For example, if you rent a storage unit and the unit burns down, the storage facility will not be held responsible for your loss. As with any type of storage, your best protection is to have a signed contract, proof of insurance, and a way to get the boat out of the storage facility if an emergency occurs. 

If you are storing your boat at a facility like Marina Storage, it’s a good idea to have it covered through a storage insurance policy to protect your investment. When storing your boat, the facility will have everything covered from the roof through to the walls. 

Storage facilities have a very high level of security to protect the value of their assets. They have staff 24/7 to protect the facility, and will have a security system to monitor and record every movement of every piece of equipment. The best storage facilities will offer daily inspections to make sure the boat is still in good condition and not damaged. 

Most facilities won’t accept your boat for storage unless it has a signed slip and is covered by an insurance policy. Your best option is to purchase the highest level of coverage available and confirm that the policy covers the value of the boat should it be damaged or stolen. 

Most storage facilities require that you purchase a policy from an insurance company. Be sure that the policy covers your boat. Most storage facilities will require you to sign a waiver of liability before they will accept your boat for storage. 

Contact Us Today

Storage facilities are not required by law to carry homeowner’s or renter’s insurance, so it is highly recommended that you purchase coverage for your belongings. 

Many storage facilities also have contracts that prevent them from providing refunds for the unexpired term of your contract. Seek advice from Otto Insurance Group in Westerville, OH.

Should I Get Health Insurance Through My Employer Or My Own?

Health insurance is one of the most critical covers you need to have as it will save you from financial distress if you get an ailment or injury that will result in high medical bills. At Otto Insurance Group, among the questions that we get asked by Westerville, OH residents are whether they should get health insurance through their employer or on their own. Here’s a breakdown of employer-sponsored health insurance and individual medical insurance. 

Health Insurance Options

1. Employer-Sponsored Medical Insurance

The pros of an employer plan include:

  • The cost of the premiums will be split between the employer and you
  • The employer handles all the work of picking plan options
  • Premium contributions from the employer aren’t subject to federal taxes. Additionally, you can make your contributions pre-tax, and this will lower your taxable income. 

The cons of employer plans are:

  • Limited coverage remains if you change jobs
  • You have little freedom when it comes to choosing your preferred doctors and hospitals. 

2. Individual Medical Insurance

The advantages of individual medical insurance are:

  • You have the freedom to choose the insurance company and policy that better meets your needs
  • Since your health plan is not linked to your job, you can change employers without losing your coverage
  • You can choose the hospitals and doctors that you prefer
  • You could be eligible for a federal government subsidy to help you pay for your insurance
  • You can change and renew your health insurance plans and insurer as you please during the annual Open Enrollment period

The cons of individual insurance are:

  • You can pay your premiums pre-tax and enjoy a lower taxable income 
  • It can be a tedious process to find the right insurance company and pick the right policy and options

Do You Need Medical Insurance in Westerville, OH?

We at Otto Insurance Group are a market-leading insurance provider, and we offer unmatched policies and options. Contact us today to get the medical insurance you need.

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.