What type of life insurance do I need in Ohio?

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There are various forms of insurance that people in Parma, OH need to have. While you will want to ensure your core assets are protected and that you have proper personal liability coverage, there are other forms of insurance to consider getting as well. An important form of coverage that all people need to think about obtaining is life insurance. If you are looking for this coverage, there are various options to consider, which include whole and term life.

It is important to carefully evaluate both options when deciding which is right for your situation.

Types of Life Insurance

Term Life Coverage

For many people in Ohio, term life coverage is ideal. This can be a good form of insurance because it offers you with an affordable solution compared to the level of coverage you receive. Further, you are able to customize a plan based on your particular needs. This continues to make it a popular form of insurance.

Whole Life Coverage

A whole life insurance plan is another option to consider. This is a unique form of insurance because it will give coverage for the rest of your life. While policy premiums can be more expensive, part of the payments will build and accrue in an account with interest. Eventually, you are able to close and liquidate the account. 

Contact Us Today

If you are in the Parma, OH area, it would be wise for you to get life insurance. With life insurance policies, you are able to provide financial support for your dependents. If you are evaluating your options, you can start your search by calling the Capretta Insurance Agency. Our team of insurance experts at the Capretta Insurance Agency offers various services that will allow you to build a proper plan that will meet your needs and give you peace of mind. 

How to Correctly Remove Ice From Your Windshield Without Damaging the Windshield

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Your auto insurance may cover the cost of replacing your windshield if your windshield cracks, chips or is damaged. Here at Capretta Insurance Agency, serving residents in the greater Parma, OH area, one of the reasons we see individuals filing these claims in the winter months is because they incorrectly remove ice from their windshield, cracking or damaging the windshield.

Here are a few tips that can help you remove ice from your windshield without causing damage:

Use a Plastic Ice Scraper

If you are looking to remove ice from your windshield, use a plastic ice scraper to gently scrape the ice away. Never use a metal scraper, as the metal can scratch and scrape the surface of your windshield, causing permanent damage. 

Spray Rubbing Alcohol and Water on the Windshield

Another way to remove ice from your windshield safely is to mix two parts rubbing alcohol with one-part room temperature water in a spray bottle. Spray the mixture on the ice and let the rubbing alcohol go to work slowly but steadily defrosting your windshield and melting the ice. 

Wait for the Ice to Slowly Defrost

Lastly, simply get up a few minutes early, put your car in defrost mode, and wait for the ice to slowly melt away from your windshield as your car slowly heats up. It may take more time than other methods, but it is the best way to ensure you do not damage your windshield in the process of defrosting your car. 

Get Auto Insurance Coverage Today

Pouring hot water on your windshield can melt ice quickly, but it can also cause your windshield to crack or shatter. As such, you should use the tips above to help you remove ice from your windshield on icy mornings. If you are in the market for a new auto insurance policy, the agents at Capretta Insurance Agency, serving the greater Parma, OH area, would love to assist you. Obtain an estimate by calling or emailing us today. 

Making your home a safer place

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Protecting your home from dangers inside and out is an important part of homeownership. Many hazards can be averted with just a few adjustments that can make your home a safer place. At Capretta Insurance Agency in Parma, OH we are independent agents who work for our customers, not just one carrier. We can offer you more options and better value. 

Protecting Your Home

Fire

Fire is one of the many dangers to your home. One of the most important things you can do to protect your home is to make sure you have smoke detectors on every level of your home and that they are operational.  Getting your furnace and chimney cleaned every year is also important for fire prevention. Don’t leave candles burning when you are out of the room or overnight. 

Falls

Falls kill a lot of people every year.  Most of them are avoidable. Use common sense when doing repairs that require a ladder. Always have a spotter with you in the event you get wobbly. Check the lighting in your house. You need to make sure that places you walk at night are well-lit. Remove clutters from halls and stairs. Make sure that stairs have useable handrails and use them. 

Medication

Keep the medication out of the reach of children, pets, and anyone who may have memory issues. They should be placed safely out of sight. 

Poison

Many products that you use regularly are not safe for children and pets. The warning is right on the packaging if you take the time to read it. If you have small children, cupboard locks are a must and in the garage place things on a high shelf, not on the floor. Even in the laundry room, poison can be an issue. 

Get Insurance Coverage

Contact Capretta Insurance Agency in Parma, OH to talk about your home insurance needs. 

What Does Home Insurance Cover?

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Your home is likely your biggest investment, so it’s important to protect it with insurance. Home insurance covers your home and personal property in the event of damage or theft. It can also help cover the costs of someone being injured on your property. Here we discuss what home insurance covers and how to choose the best policy for your needs. Capretta Insurance Agency in Parma, OH will help you understand what your home insurance covers.

What Does Home Insurance Cover?

Home insurance covers your home and personal property in the event of damage or theft. It can also help cover the costs of someone being injured on your property. Most home insurance policies have three main types of coverage: dwelling coverage, personal property coverage, and liability coverage. 

Dwelling Coverage

Dwelling coverage helps protect your home’s structure, such as the walls, roof, and foundation. This coverage typically includes repairs or replacement if your home is damaged by a covered event, such as a fire or severe weather. 

Personal Property Coverage

Personal property coverage helps protect your belongings in the event that they are damaged or stolen. This can include items like furniture, clothing, electronics, and more. Most policies have a limit on how much coverage you have for personal property, so it’s important to insure your belongings for their full value. 

Liability Coverage

Liability coverage helps protect you if someone is injured on your property or if you cause damage to another person’s property. This type of coverage can help pay for medical bills, legal expenses, and more. 

Choosing the Right Home Insurance Policy 

There is no one-size-fits-all answer when it comes to choosing a home insurance policy. The amount of coverage you need will depend on a number of factors, such as the value of your home and belongings, where you live, and more. It’s important to work with an experienced insurance agent who can help you assess your risks and choose the right policy for your needs. 

Contact Us Today

Home insurance is an important way to protect your most valuable asset – your home. At Capretta Insurance Agency in Parma, OH, we understand that everyone’s needs are different. We offer a variety of home insurance policy options and can customize a policy to meet your specific needs. Contact us today to learn more about our home insurance options.

Life insurance FAQs

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At Capretta Insurance Agency in Parma, OH, we are independent insurance agents and since we work for our customers, we work hard to make sure you have as much knowledge and as many choices as possible. Life insurance isn’t as straightforward as other types of insurance and needs to be personalized to what your dependents will need if you aren’t there to support them. 

Why should I get term life insurance?

Term life insurance allows you to buy a large amount of life insurance at an affordable rate. What you are paying for is the death benefit. There is no cash value at the end of your term. It is a practical option when you have young children and want to make sure they will be provided for. 

Do you need life insurance if you get some as a benefit from your employer?

Yes, you need your own insurance in addition to what you get from work. Think of that as frosting on your cake. But you need your own insurance just in case you change employment, your employer closes their business or your job is acquired by a new company. You need to be able to control your own life insurance. 

How much life insurance do I need?

Every person’s needs are different. You need to take your income into consideration, how young your dependents are, and for how long you will need to provide for them. Once you come up with a figure, your insurance agent can help you to get the best deal on the coverage you need. 

Can my life insurance policy be canceled?

Yes, it can, if it is discovered that you lied on your application or if you fail to make your premium payments, your life insurance can be canceled. 

Contact Capretta Insurance Agency in Parma, OH to discuss your life insurance needs. 

Will my auto insurance cover flood damage to my car?

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Auto insurance can provide coverage for many situations. However, what’s covered depends on the type of auto insurance you have. If you have a car that’s damaged by a flood, it may be hard to determine what insurance will cover the damage, auto or flood. Our team at Capretta Insurance Agency is committed to educating Parma, OH residents about auto insurance coverage. We understand that knowing what’s covered by a particular insurance policy can be confusing. 

What Is The Next Step To Take After Flood Damage?

All drivers are required to carry auto liability insurance as a minimum requirement. However, auto liability insurance will only cover injury or damage to another person’s property or vehicle if you’re at fault. Auto liability insurance won’t cover your injuries or car damage. However, flood insurance won’t cover your flood-damaged car. Flood insurance covers damage to your property/home and belongings, not your vehicle. However, flood insurance will cover any personal items damaged while inside your car.

What Type of Auto Insurance Covers my Flood Damaged Car?

Comprehensive auto insurance is the only insurance that covers flood-damaged cars. Comprehensive insurance will replace or pay for damage not caused by a collision or non-moving violation. Comprehensive insurance covers theft, vandalism, fire, and even repairing your flood-damaged car. Comprehensive insurance will pay for the repair or replacement of your car in a flood, or if you drive through flood waters. Comprehensive coverage isn’t required. However, many drivers invest in comprehensive coverage to protect themselves from damage caused by non-moving violations.

Contact Capretta Insurance Agency Today

If you have questions about comprehensive insurance or auto insurance in Parma, OH and surrounding areas, give us a call. We’d be happy to answer your questions. 

Covering Your Business With Commercial Insurance

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Commercial insurance is an important type of protection for businesses and is something that your Parma, OH company needs to be safe. We at Capretta Insurance Agency can help you identify an option that works for you and create coverage that protects you as much as possible.

What Does Commercial Insurance Cover?

Commercial or business insurance protects companies from various risks that may affect their bottom line and even cause them to close. These include property damage, theft, serious lawsuits, and even customer or worker injuries. Coverage types include:

  • General liability policies that cover injuries or property damage by non-employees
  • Business owner policies that protect against basic risks and damage to your property
  • Commercial auto coverage that covers your company’s vehicles
  • Errors and omission insurance to cover missed deadlines, work errors, or other mistakes
  • Cyber liability protection to manage financial problems caused by data breaches
  • Workers’ compensation policies that pay for medical bills to treat worker injuries
  • Umbrella insurance provides more comprehensive liability protection

Identifying a suitable insurance policy requires examining your business needs, your financial responsibility, and what kind of issues may affect you. For example, businesses with many vehicles likely need auto coverage to keep their vehicles protected from damage concerns.

You may also need umbrella insurance if an error by your company is likely to cause a large lawsuit that a traditional liability policy wouldn’t fully cover. Talking with your insurance agent will make this process simpler and give you a better understanding of what your policy covers.

We Can Help You!

At Capretta Insurance Agency, we can help Parma, OH business owners find a commercial insurance policy that makes sense for their needs. Contact us now to learn more about our coverage options and to see what we can do for you and your unique business needs.

The High Cost Of Home Repair

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A home is one of the most valuable assets one can have, yet it is also one of the most costly to fix. Capretta Insurance Agency aims to provide some tips that will help Parma, OH homeowners gain a better understanding of the home and the cost of major home repairs when you don’t have insurance. 

The High Cost Of Home Repair

The Cost of a Natural Disaster

Ohio is no stranger to natural disasters. From floods to tornadoes, we are often hit with weather that can cause damage to our homes and businesses. In fact, we spent over $434 million on natural disaster damages over the ten years between 2008 and 2018. Tornadoes accounted for the most damage, but other disasters such as landslides and heavy snow made up massive portions of the damage as well.

American homeowners spend an average of $6,020 on home repairs after a landslide. That number increases to $7,000 after a tornado. The median cost of fire repairs is a whopping $10,000. And these are just the averages across the country. Costs can always increase depending on the severity of the damage. Also, these numbers do not account for the cost of dual-disasters, such as when your home is damaged by a tornado and then catches fire.

Home Insurance Can Cover The Cost of Repairs After Some Natural Disasters

It’s important to know what perils your homeowner’s insurance covers. If your home is damaged by a tornado, fire, or winter storm, your policy might not cover the full cost of repairs. This means you’ll be stuck with the remaining balance. It’s even more expensive if you don’t have insurance at all.

Give Us A Call

Capretta Insurance Agency wants to help you understand your policy and what you can do to protect your home. If you’re a Parma, OH homeowner, contact us today.

What are the benefits of having life insurance in Ohio?

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Anyone that is in the Parma, OH area will need to take their personal insurance needs seriously. As you are looking for a way to protect yourself, you also need to consider your life insurance needs. There are various benefits that come with a life insurance plan that make it a good option for those in this area of Ohio. 

What are the benefits of having life insurance?

Ensure Financial Resources for Dependents

An important reason that you should have a life insurance plan when you are in Ohio is so you can provide financial resources for your dependents. If there are people that rely on you and your income for living expenses, it is important to provide coverage for them. With a life insurance plan, you can offer the support they need to ensure they are covered if you were to pass away. 

Diversify Investments

Another reason that you should have a life insurance plan is to diversify your investments. When you are going to plan for your financial future, having a diversified set of investments. One way that you can improve your diversification is by investing in a whole life insurance plan. When you have this coverage, some of your payment goes into an account and grows with interest. You can then eventually close this account and liquidate the original principal plus interest.

Having a life insurance plan in the Parma, OH area is always a good idea. When you are looking to get this insurance here, it would be beneficial for you to speak with the team at the Capretta Insurance Agency. The professional with the Capretta Insurance Agency can offer you the guidance that is needed to choose an insurance plan that is right for your situation. This will offer you peace of mind and ensure you have proper coverage. 

Why basic auto insurance in Ohio isn’t always the best choice

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Drivers in Ohio have to deal with the same issues as drivers all over the country. Crowded roads, angry drivers, and frustration with the amount of traffic. Luckily, there are many roads in the state where it is still a pleasure to drive. At Capretta Insurance Agency in Parma, OH, we want to make it a pleasure to get your auto insurance coverage. We will do the hard work of finding the best carrier and the most affordable price for you. As an independent insurance agency, we work for you, the customer not for any one insurance company. 

Why You May Need More Than The Basics

In Ohio, basic auto insurance is 25/50/25. This is liability coverage that protects the other driver and passengers in an accident where you are the responsible party. It provides $25,000 in personal injury coverage for one person injured and a total of $50,000 for all the injuries in an accident with another $25,000 for property damage. This is the only coverage a basic policy provides. It allows nothing for your vehicle. 

If you have an auto loan or are leasing a vehicle, this coverage will not be acceptable. You will need to protect the vehicle. This requires collision and comprehensive coverage. 

Collision coverage is what it sounds like, the coverage that pays for repairs that are the result of a collision. It can be with another vehicle or just your vehicle and a stationary object or a hot and run. 

Comprehensive coverage is a different matter. It is damage that results from things other than a collision. It can be a large animal like a dear, it can be that your vehicle is stolen or vandalized. Many weather events can damage your car and this is the insurance that will pay to repair it. 

If like most people, you depend on your vehicle, basic insurance just may not be the right thing to choose. 

Contact Capretta Insurance Agency in Parma, OH when you want to have your auto insurance reviewed.