Here’s What Your RV Insurance Does When You Go Camping

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If you plan on going camping with your RV soon, it’s important to contact us at Bonvenuto Financial Group LLC to learn more about how insurance can help. When you’re camping, your Uniontown, OH area RV policy can protect you from a myriad of common problems and keep you safe.

Liability Coverage

If you host people during your camping trip and they get hurt in your RV, your insurance policy should protect you. Furthermore, it can also help you if you get into an accident with your RV and can minimize the amount of money you have to spend on this process.

Collision Protection 

If you get into a crash and you’re not to blame, your policy may help you if the other driver lacks a suitable policy. It may also help you if you damage property, such as campground items, while driving and end up causing serious long-term damage. 

Camping Damage Protection

Did your RV get damaged by unexpected weather changes, like snow, ice, and even high winds? Your insurance can help keep you safe by minimizing how much you have to pay. You’ll get support repairing these issues to mitigate any long-term problems.

Roadside Coverage

Are you worried about what happens if your vehicle breaks down on the side of the road? That’s understandable, and you can avoid serious issues by getting insurance. Most have roadside protection that includes towing, gas delivery, and even help to get you going again.

Keep Yourself Safe

Call us at Bonvenuto Financial Group LLC to get the Uniontown, OH RV protection that you need for your vehicle. Our team will sit down with you, talk about your protection, and find a way to support your needs. It’s our goal to provide the long-term help that you need for your vehicle.

Is Motorcycle Insurance a Requirement?

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If you live in Uniontown, OH, and you’ve just purchased a new motorcycle, you are likely very proud. Driven safely, a motorcycle can provide its owners with a very exciting and thrilling ride. One thing that you must keep in mind is that motorcycles don’t offer the protection that cars and other vehicles do, so safety must be a top priority. You might be wondering if you need to purchase insurance coverage for your new motorcycle. Is motorcycle insurance a requirement? Here’s the answer to your question and more. 

You Don’t Need Insurance to Purchase a Motorcycle

While you’re still in the phase where you are searching for a motorcycle to purchase, insurance isn’t required. It isn’t required to make the actual purchase of the motorcycle, so if you don’t plan to ride it right away, there’s no need to worry about purchasing motorcycle insurance. 

You Must Obtain Proper Motorcycle Insurance Before Riding

Once you have purchased your new motorcycle, and you’re ready to ride it, it is required that you purchase adequate insurance. If you’re caught riding your motorcycle on Ohio roads without proof of adequate coverage, you will be ticketed. You could also lose your license plate, have your driver’s license suspended for up to 90 days, or face one or more other possible consequences. If you don’t have motorcycle insurance, contact us at Bonvenuto Financial Group LLC, as we can provide you with insurance to prevent suffering any of these consequences. 

So, if you’re a Uniontown, OH resident, and you’ve just purchased a motorcycle, be sure to obtain adequate insurance coverage prior to riding it. If you’re in need of a new insurance provider, you should consider us. At Bonvenuto Financial Group LLC, we take customer service to the next level by providing quality services as well as affordable rates. Give us a call today for a quote.

Why All Boaters Should Be Protected With Boat Insurance

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Going out on a boat is a great way to get together with people and have a relaxing time. Boats are perfect for fishing, skiing, or just hanging out and watching the sunset. If you own a boat, however, you also face a number of possible risks that can happen both on the water and on land. Every boat owner should have boat insurance in order to mitigate those risks. To get boat insurance for your craft, call us at Bonvenuto Financial Group LLC in Uniontown, OH. 

Accidents on the Water

Boating accidents are fairly common. They can be highly expensive when you’re at fault for an accident, and you end up owing for the other party’s damage repairs and medical bills. It’s essential to always have a boat policy for as long as you own your boat. There are so many problems that can happen out on the water that you need to have at least liability coverage in your policy. You may also want to have collision coverage in your policy to pay for the repairs to your own boat. The bills after a boating accident can be extremely high. This may mean severe financial problems if your boat isn’t covered. Getting boat insurance is the smart move for all boat owners. 

Problems on Land

There are also a lot of risks that a boat faces when it’s on land. To make sure that your boat is always protected, you can get comprehensive coverage in your policy. This mitigates many risks that exist on land such as accidents and theft. If you don’t have this coverage, it could mean high repair bills or even having to pay for a replacement for the boat. 

Get Boat Insurance

To make sure you’re covered against these boating risks and more, call us at Bonvenuto Financial Group LLC in Uniontown, OH. 

Should I get umbrella insurance for my small business even if my business is still relatively new?

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Most people know very little about umbrella insurance because they have not used it before. It offers wide protections, and the policy maximums may seem too big for a small business. When you purchase an umbrella policy for your Uniontown, OH small business, Bonvenuto Financial Group LLC will commonly offer protection for a minimum of $1 million.

Small Business & Umbrella Insurance

Some small businesses don’t have much in the way of assets yet. That $1 million amount is far more than the business expects to make in the first year or even in the first 5 years. However, you may want to think about how an umbrella policy could be the key to giving your new business the freedom to grow.

If someone is injured on your business property or because of one of your products or services, they will probably file a claim against your company. Your insurance company may have to pay out on the claim up to your policy limits. However, your protection ends as soon as you hit that maximum.

So say your maximum coverage is $100,000 for personal injuries, and several people get injured in one accident; Even though you didn’t mean to do anything wrong, you are suddenly responsible for all of those medical bills, medications, physical therapy, time off from work, and even legal fees. If you have an umbrella policy, it will kick in as soon as your regular insurance maxes out. 

We Are Here To Help

If you have a good advisor, you have already separated your personal finances from your business. But without an umbrella policy, one accident could wipe out your entire business. If you want to add extra protection to your Uniontown, OH small business, call Bonvenuto Financial Group LLC today.

Is It Time to Add a Flood Insurance Policy to Your Portfolio?

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Bonvenuto Financial Group LLC is proud to help our friends and neighbors in the Uniontown, OH area with all of their flood insurance needs. If you’re wondering if it’s time to get a flood policy, we’re here to answer any questions you have. 

We’re Here to Answer All of Your Flood Insurance Questions

Flood insurance is often a mystery for many homeowners. If your property isn’t located in a flood plane and if flood insurance isn’t required by your lender, it can be difficult to know if it’s right for you. Fortunately, your team of local insurance agents is here to help.

There are a number of different reasons why flood insurance is a smart thing to have. If your property is located in a low-lying area that receives a lot of heavy rainstorms, it’s time to look into obtaining a flood insurance policy. Another benefit is the additional coverage it offers above and beyond your primary homeowner’s policy.

Most homeowners’ policies have a lot of exclusions when it comes to water damage. You might be surprised to learn what types of damage your primary policy excludes. This is why it’s an important step to take to review your current policy at least once a year.

Once you’re clear on what your primary policy doesn’t cover, you can start working on closing up any gaps you have in protection. A flood insurance policy is usually the first step to ensure full coverage for your property. 

Give us a call or stop by today!

When it comes to insurance help, you can count on our team here at Bonvenuto Financial Group LLC. We’re proud to serve the insurance needs of the greater Uniontown, OH area. Contact us today to learn more about our services.

What is the advantage of having condo insurance in Ohio?

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If you are looking for a new place to live in the Uniontown, OH area, getting a condo can be a great option to consider. There are a lot of benefits that come with condo ownership, which can include having a stable and consistent place to live without having the same maintenance obligations that come with owning a single-family property. If you do get a condo, you also need to have condo insurance for a variety of reasons. 

Comply with Agreements

You will need to get condo insurance to ensure you remain in good standing with all requirements. Those that are going to buy a condo will more than likely take out a mortgage. When this happens, you need to follow any regulations set by your lender, which will include getting condo insurance. Further, you will need to have coverage to meet standards that are set by your home association. 

Protect Yourself

It is also a good idea to get condo insurance to ensure you are able to protect yourself. There are a lot of risks that can come with owning a condo. These can include the risk of damage to your dwelling or personal assets or being named liable for damages in an accident. In either situation, you can benefit by having a condo insurance plan as it will give coverage to help mitigate these risks. 

Reach Out To Us

It is always important that you get a proper condo insurance plan for your home in the Uniontown, OH area. When you are ready to start looking for coverage, you should call our professionals with Bonvenuto Financial Group LLC. At Bonvenuto Financial Group LLC, we understand the value of this coverage and will provide any support that you need to create a plan that will meet your needs. 

Reasons why every parent should have life insurance

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Every parent in the Uniontown, OH area wants to make sure that their family is taken care of in the event of an unexpected tragedy. Life insurance is an essential part of making sure that your loved ones are financially secure, no matter what. Here are some reasons why we at Bonvenuto Financial Group LLC think every parent should have life insurance.

Why Life Insurance

1. To Provide Financial Security:

The most important reason for getting life insurance is to provide financial security for your loved ones in the event of an unexpected tragedy. Life insurance can help replace lost income and cover expenses like medical bills, funeral costs, mortgages, or other debts. 

2. To Cover Final Expenses:

Funeral costs can be expensive, and life insurance can help cover them so that your family isn’t left with a large burden after your death. 

3. To Leave Behind a Legacy:

Life insurance can give you the peace of mind that comes from knowing that you are leaving behind something tangible for your children or grandchildren when you pass away. It also gives you the opportunity to leave behind a legacy by donating to charities or other causes that are important to you. 

4. To Protect Against Risk:

Life insurance provides protection against potential risks such as disability, injury, or illness that may prevent you from earning an income and providing for your family. 

We Are Here To Help

Having life insurance is essential for any parent who wants to make sure their family is taken care of in case something happens to them unexpectedly. It can provide financial security, cover final expenses, leave behind a legacy, and protect against potential risks so that your loved ones are taken care of.

For more information, call us at Bonvenuto Financial Group LLC today. We proudly serve the Uniontown, OH area.

Ohio Commercial Insurance: Know Your Rights and Limitations

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Seasoned business owners know that having the best commercial insurance policy is the best way to protect their Ohio-based businesses from the devastating financial effects of unforeseen circumstances like accidents, property damage, or lawsuits filed against them.

Bonvenuto Financial Group LLC in Uniontown, OH can help you choose the best policy for your needs. 

Rights and Limitations for Commercial Insurance 

Right #1. – You have the right to choose the best commercial insurance policy that meets your business’s unique needs. 

Limitation: Beware of limited policy options that don’t include the coverage you want or need. 

Right #2.- You can have more than one type of commercial insurance from the following available insurance types.

  1. General Liability Insurance – covers a wide range of insurance-related claims against lawsuits, legal claims, personal injuries, property damage, and more. 
  2. Property Insurance – most Ohio commercial property insurance options have provisions for property damage, business interruption, equipment breakdowns, liability, and additional coverages. 
  3. Workers Compensation Insurance – this employment-based insurance helps protect business owners and employees in the case that they are injured on the job. This insurance may be legally required for large Ohio employers. 
  4. Specialized Commercial Insurance: get specialty commercial insurance coverage to meet your business’s individual needs. Ask an agent for specifics about special coverages. 

What Do Ohio Commercial Insurance Policies Typically Cover?

Commercial insurance policies cover a wide range of business-related expenses that could ordinarily put a small business owner out of business. 

  • Property Damage
  • Bodily Injury
  • Product Liability 

Talk to a licensed insurance agent, Bonvenuto Financial Group LLC in Uniontown, OH to learn about specialty commercial coverage for your Ohio-based business.  

Get Commercial Insurance in Ohio

The expert insurance agents at Benvenuto Financial Group can answer your questions and help you choose a policy. 

The Importance of Having Your Roof Inspected After the Winter Months Are Over

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It is recommended that you have your roof inspected at least once a year. If you live in a region that has freezing winters filled with ice and snow, it is strongly recommended that you have a roof inspection completed after the winter months are over. Here at  Bonvenuto Financial Group LLC, providing home insurance to the greater Uniontown, OH region, we want to help our customers care for their homes. 

The Importance of Having Your Roof Inspected After the Winter Months Are Over

The winter months can be rough on your roof. Ice and snow can weigh on your roof, damaging the roofing materials themselves, as well as the trusses and supports that hold up the weight of your roof. If storms caused damage to your roof, you may be able to file a home insurance claim to recover some of the costs associated with the repairs.

And even if the costs cannot be covered by home insurance, knowing that your roof is damaged and having that damage repaired can help prevent other issues in the future, such as roof leaks. 

Having your roof inspected helps to catch any problems that winter weather may have caused, so you can file a home insurance claim to have your roof fixed or make the repairs to your roof out of pocket. Having the right insurance is vital in case you ever need to file a home insurance claim.

Give Us A Call

If you are looking to obtain a new home insurance policy in the greater Uniontown, OH region, please reach out to us at  Bonvenuto Financial Group LLC to get help finding the ideal home insurance policy for your needs. 

Will Your Auto Insurance Policy Cover You When Renting a Car?

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Here at Bonvenuto Financial Group LLC, providing auto insurance in the greater Uniontown, OH region, our customers often have questions about their auto insurance policy and rental cars. You, too, may wonder if your car insurance policy will cover a rental car or if they need to purchase rental car coverage from the rental car provider. We are happy to assist you with the answers.

Will Your Auto Insurance Policy Cover You When Renting a Car?

Each and every auto insurance provider is different, and as such, it is hard to give a blanket statement on whether your car insurance policy will cover you when renting a car. As a general rule of thumb, if you carry liability, collision and comprehensive auto insurance, also known as full coverage, your policy will most likely cover a rental car. If you only carry liability insurance, your insurance policy will not likely cover a rental car unless you have a specific rental car endorsement. 

How Do You Know If Your Auto Insurance Policy Will Cover You When Renting a Car? 

The best way to find out if your car insurance will cover you when renting a car is to call your insurance company and ask. They can read through your policy and help you determine if your policy covers you while in a rental or whether you should purchase rental coverage from the company you are renting a vehicle through. 

Give Us A Call

Your car insurance policy may or may not cover a rental, depending on your specific policy. If you are looking for a new auto insurance policy, perhaps one that covers rental cars, the team at Bonvenuto Financial Group LLC, serving the greater Uniontown, OH region, would love to help you find the right policy. Call us now to schedule an appointment with one of our insurance agents. 

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