How can I lower my premium? If you want to lower your monthly premium, or buy more coverage for less money, one way is to carry a higher deductible. A higher deductible also may make sense if you believe that your chances of making a claim are remote enough to warrant assuming extra financial risk.
Why should I buy homeowner's insurance?
A home can require a tremendous investment of money, time, and energy. Homeowners insurance is designed to protect that investment by insuring the actual structure or structures and the personal possessions in and around them, as well as providing liability protection for the residents. Through homeowner's insurance, you can protect yourself and your family from enormous loss in the event of damage or destruction to your home and property. Most likely, if you have a mortgage on your home, you are required to carry homeowner's insurance.
What damage to my house would not be covered by my homeowner's policy?
It depends on the type of policy you own. But in general, unless you buy additional coverage, you won't be compensated for losses due to floods, earthquakes, nuclear accidents, wars, intentional damage, and normal wear and tear. Other exclusions may also apply.
What can I do about expensive possessions, like jewelry and camera equipment, that are far more valuable than the coverage limits of my homeowner's policy?
You can purchase additional coverage, through an endorsement to your existing policy or with a separate policy, to extend the limits of coverage for specific items.
What does it mean when a car is "totaled"?
After an accident or theft recovery, if the insurance company decides your car is "totaled," it means the estimate of repairs exceeds the car's value. At this point, the insurance company will likely send you a check for your car's value. It gets to keep your car unless you make arrangements to buy it back "as is".
What should I do if another driver hits my car?
If you were not at fault in the accident, you will make a third-party claim to the at-fault driver's insurance company. Because you are the claimant, the insurance company typically will issue the check directly to you. It's your responsibility to pay the repair shop, and the lender if you have a car loan.
What happens if my car is stolen?
If your car was stolen, be prepared to wait. Most insurance companies will impose a waiting period to see if the police recover your car. If your car is still missing after the waiting period, usually 21 days, you should receive a settlement soon after. If your car is recovered during the waiting period, the insurance company will want to see a repair estimate before deciding how to proceed.
Should I purchase Underinsured and Uninsured Motorist Coverage? With the prevalence of uninsured drivers this is highly recommended. Additionally with the low limits that are allowed by law Underinsured Motorist coverage may prove very beneficial. This coverage reacts for bodily injury to you when an at-fault driver injures you but lacks sufficient liability coverage.
Should I choose stacked or non-stacked coverage? This is a case-by-case basis. If you have only one vehicle and do not have a company vehicle there is no advantage to this, generally speaking. If you have a number of vehicles it may come in more handy as you can add the Underinsured/Uninsured Motorists coverage from each vehicle insured under the policy. However, choosing a sufficient liability limit is even more important and is a basis for all coverage.
When I deal with ANY company...it takes people days and days to get back to you...just terible customer service. I always say "if I did that at MY JOB...I'd be fired in a heartbeat". But I think you guys are the exception to this. You're always on top of everything as soon as someone asks.
- Marissa H.
I've been working with Ohl Insurance for about two years now. Lucas helps me with home and auto insurance for my family, and workers comp and liability insurance for my small business. Ohl Insurance has always been easy to work with, responsive and professional. They're very knowledgeable, and Lucas has gone above and beyond finding answers for me several times in the past. I would highly recommend working with Ohl Insurance.
- Rob S.
Thank you for taking care of this Ed! Your customer service is ALWAYS EXCELLENT! You always go above & beyond, and that is why I stay with this insurance company!
- Cathy D.
For your personal, business and/or commercial insurance needs, contact Lucas or one of his company representatives to assist you. After many years with the same insurance company, I had an analysis completed by Lucas Ohl and discovered knowledgeable and high quality customer service, recommendations on proper coverages for personal and real-estate investments and significant savings. As an independent agent, options from top- rated insurance companies were presented and the customer can decide what best fits their insurance needs with the expert advice from the agent. It was well worth the time and effort to have the insurance needs analyzed. I feel very comfortable with Lucas Ohl as my agent and appreciate the outstanding customer service.
- Otis D.
Dealing with just a good neighbor is not like dealing with the best -
For speed & accuracy, Lucas & staff have mastered both:
Promptness - Ohl Insurance keeps the personal touch in small business by setting a desirable model of turnaround time on emails and phone calls. There are companies that have business hours, and there is Ohl Insurance that have your hours.
Preciseness - If you have an aversion with insurance partly because you don't understand it, Lucas breaks it down not only dollar for dollar, but for what it is exactly that you're being covered by and why it's needed. No need to look up definitions prior to signing or having buyers remorse after.
Time to remove any menacing factors with the best neighbor on the block.
- Mike R.
Just wanted to let everyone at OHL Insurance know how happy we are with Sarah Swisher as our Insurance Advisor. We have been with Ohl and Sarah for a little over a year know and she has been OUTSTANDING! She is without a shadow of a doubt the best advisor / rep we have ever had for auto and home.
You can tell she really takes to heart what you need or want and work so diligently to find you the apprioprate coverage. Even though she is across the country from where I am located I can call her day or night (even on Saturday's), text, emails, she is avaiable to us 24/7. That is so reassuting especially with adding a new 16 yr. year old to the auto insurance. She has become a close family friend.
I recommend her to everyone who ever asks me who I have for insurance without hesitation!
- Matt Z.
I would like to speak of my recent experience with insurance agent Edward Pappa at Kiebler-DiCola Insurance Agency in Leechburg. Besides making sure my insurance needs are met, he explained them in a way that I could understand. He is a fine young man.
I trust him as an insurance agent. He has an honest and sincere way of making sure things are right. I simply cannot say enough about him. He is a man of honesty and integrity. I would recommend him to anyone. These qualities are not very common in the world today, but you will not be disappointed to have him as your insurance agent.
- Mary Anne F.
Just wanted to thank you guys for all of your help. You have saved me hundreds of dollars on my auto and home insurance. Sarah is so easy to do business with and my experience was incredible. I will continue to send you referrals to show my appreciation. Thanks again!
- Jim M.
I just wanted to say how much I appreciated the service from Sarah Swisher in finding a Car Insurance policy for my new lease. All I had to do was give her my basic information and what I was looking for and she did EVERYTHING for me. I was given a great quote for hundreds less than local offices. She was extremely friendly and actually made the process enjoyable. I would highly recommend contacting Sarah and will be referring her to all people I come in contact with looking for insurance!
- Greg S.
I just wanted to say thanks for helping out my friend, Patty, from work. When I heard that she needed auto insurance, I gave her your name and number. She said that she did not deal with you personally, but that she was very happy with the gentleman that she did speak to. She now has the insurance that she needed and is saving some money compared to her old policy. You have been great with my wife and I, and I do appreciate it. I will continue to recommend you to everyone that I can.
- Dan R.
Lucas - I’m not blowing smoke here. You are always the fastest response of any insurance agent I’ve ever had. In fact, you are the fastest of any professional service provider I’ve ever had. I was fortunate to find you.