Herman Powell Insurance Agency, Inc. has insured individuals and businesses in Ohio since 1935.
Learn About Herman Powell Insurance Agency, Inc.
Herman Powell Insurance Agency, Inc. has served the insurance needs of Ohio for over eight decades and we’re still going strong. We are committed to making sure you get the help you need when it comes to your insurance requirements. We believe in providing quality service to our clients and pricing that fits their budget.
With our many year of experience, we believe we can offer you professional service with a personal feel through developing a lasting relationship with you. We want to listen to your needs and your goals so we can help you find coverage that works for you. We also work with top-rated insurance carriers to give you choice when it comes to your coverage. Whether you’re shopping for coverage for your home, apartment, vehicle, or business, we can help you find protection for the things that matter to you.
Insuring Ohio
As a locally-owned business and residents of Ohio ourselves, we understand your risks in a unique way that others may not—giving us the advantage of helping you manage those risks through insurance coverage. We are proud to serve clients locally in New Boston, OH, and across Ohio. Call or visit us today!
We’re Here to Help
Herman Powell Insurance Agency, Inc. offers a variety of personal insurance, business insurance, and insurance by industry solutions to help you protect what matters most.
An Independent Agency Gives You Options
We proudly represent Auto-Owners, Grinnell Mutual, Progressive, and more!
Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.
Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.
Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.
Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.
If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.
Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.
You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.
Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.
You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.
Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.
You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.
Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.
Any improvements or betterments that you have made to your unit are subject to damage.
Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.
You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?
Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.
You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.
Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.
Click it. Read it. Cover it.
- Click on the hotspots.
- Discover your risks.
- Explore coverage options.
Not what you’re looking for?
Explore more interactive graphics.
Manage Your Policies
Already a client of Herman Powell Insurance Agency, Inc.? Visit our Service Center to make requests and manage your insurance.
Let’s Get Started
Contact Herman Powell Insurance Agency, Inc.
"*" indicates required fields
Don’t like forms? Contact us at 740-456-6532 or email us.