Auto and Homeowners Insurance
Auto and Homeowners Insurance Quote Forms
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Auto and Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Auto and Homeowners Insurance Information
Car And Home Insurance
For Cleveland, Beachwood And Areas Across Northeast Ohio
Like most large cities, Cleveland can be crowded, busy and at times, expensive. It takes investment to build a life for yourself in Ohio's second-largest metro area, but the city has more than enough perks to make up for that. You just need make sure you have insurance so you can always support yourself.
If you need homeowners or auto insurance coverage, we invite you to contact Busha-Okeson Insurance. We offer competitive rates, friendly service and expert advice on how to choose your best coverage.
Recent stats show an estimated 24,000 vehicle crashes and 4,200 reports of vehicle theft throughout Cuyahoga County last year. This doesn't mean that it's unsafe to drive, but it does mean you need car insurance to protect yourself and the vehicle. Policies can offer numerous types of coverage, including:
- Bodily Injury Liability: If you cause a wreck that harms someone else — such as if you hit someone on a bike — then this coverage can pay for their recovery costs.
- Property Damage Liability: When a wreck is deemed your fault, this coverage might pay to repair property damage of others involved. It might pay for the other driver's car repairs, for example.
- Uninsured Motorist: If you aren't found at-fault for a wreck, then your damage costs might be the other driver's responsibility. But, if they don't have liability coverage, then this coverage pays.
- Collision: Coverage pays for damage done to your own car during a wreck.
- Comprehensive: When non-accident hazards — such as theft, vandalism, falling objects or fires — damage your car, this coverage can pay for the repairs.
- Medical Payments: If you get hurt in a wreck, this coverage helps pay your medical costs.
- Roadside Assistance: Have you gotten stranded? Your policy might cover towing, gas, delivery, jump starts and other benefits.
- Rental Reimbursement: If you have to get a rental car while yours is being repaired, your policy can pay for some or all of the costs of renting.
- Loan/Lease Gap Insurance: If an insurer totals your car, they might only pay you the car's market value at the time of the damage. This might not be enough money to pay off the cost of your existing loan. Gap insurance can help provide you with the additional funds.
Car Insurance Costs Frequently Asked Questions
How much should you be paying for car insurance?
On average, car insurance costs Ohio drivers about $1,200 per year. However, your policy's exact costs will vary. Let your Busha-Okeson Insurance agent help you choose a balance of coverage and costs.
What do insurers use to set my rates?
Insurers use numerous individual risk factors to determine how much to charge each policyholder. These might include: the type and value of your car, your driving record, the coverage limits you choose, and even your location. This is one of the reasons that the average rate in Cleveland — $1,674 per year — tends to be higher than the statewide average. We firmly believe that every client should pay a fair price for their coverage, so you can count on us to help you compare policies, balance coverage with deductibles, and tap into discounts to maximize savings.
In Cuyahoga County, the median property value is more than $130,000. Homeowners insurance can help you keep that asset secure. Coverage can include:
- Dwelling: This coverage pays to repair your house following fires, weather damage and other losses.
- Other Structures: Use this coverage on storage sheds, fences and detached garages.
- Contents: Insure your personal belongings — such as clothing and furniture — with this coverage.
- Loss of Use: If you have to move out of a damaged home during the repairs process, this coverage can pay for such costs as hotel bills.
- Personal Liability: Someone might get hurt in your home, or you might damage their belongings. Use this coverage to compensate them for their losses. This coverage can also pay your legal fees if someone sues you for negligence leading to their losses.
- Accidental Medical Payments: If someone gets hurt in your home, you can repay them with this coverage — regardless of if the accident was your fault. It might help you avoid a lawsuit.
- Scheduled Items: Rather than insure such high-value items as jewelry or art under your standard property insurance limits, use this coverage to insure them separately and for their full values.
- Water Backup: Your policy may or may nor automatically cover a sump pump overflow or sewer backup. Add this endorsement to your policy to cover such losses.
Homeowners Insurance Costs Frequently Asked Questions
How much home insurance do I need?
The more homeowners insurance the better. We can help you increase your policy benefits to maximize the payouts you will receive from even the most-costly disasters.
What is the average cost of homeowners insurance?
Your premiums will vary based on the home's value, location, and other factors. Cleveland residents pay an average of about $800 per year for their policies. However, costs vary from home to home in most cases.
Need Personal Umbrella Insurance? We've Got It!
There's no guarantee that a third-party claim on your homeowners or auto liability policies will stay within your policy's limits. Consider investing in a personal umbrella insurance policy to help avoid such a challenge. It will pay you additional funds once you exceed the standard policy limits of your liability coverage. The best thing is that one policy can usually apply to both your homeowners and auto policies.