Finding the Right Answers Shouldn’t Be Hard
We Believe in Transparency and Education
At Wagner Insurance Group, we don’t just sell policies; we help you understand what you are buying. Insurance jargon can be confusing, but protecting your family and business shouldn’t be. Whether you are wondering about ‘Disappearing Deductibles’ or how to insure a new teen driver, we have compiled the answers to the questions our neighbors ask us most often.
Usually not. Work policies are often limited (e.g., 1-2x your salary) and are rarely portable—meaning if you lose or change your job, you lose your coverage. An individual policy stays with you no matter where you work.
It depends on your debts, income, and family goals. We can help you perform a “Needs Analysis” to calculate expenses like mortgage payoff, education costs, and income replacement to find the right number for you.
Term Life provides coverage for a specific period (e.g., 20 years) and is generally more affordable, making it great for young families. Whole Life provides permanent coverage that lasts your entire life and builds cash value over time.
Yes, we have specialized packages for a wide variety of industries, including contractors, restaurants, auto repair shops, apartment owners, and retail stores.
We understand that contractors often need bonds quickly to bid on jobs. In many cases, we can issue bonds the same day.
In Ohio, if you have employees, you are generally required to carry Workers’ Compensation insurance to cover medical expenses and lost wages for employees injured on the job.
A BOP is a bundled package designed for small to mid-sized businesses. It combines General Liability (protection against lawsuits) and Property Insurance (protection for your building and contents) into one affordable policy.
Absolutely. We insure most recreational vehicles, including ATVs, dirt bikes, snowmobiles, and scooters, providing both on-road and off-road coverage options.
We offer Roadside Assistance and Trip Interruption coverage. If you break down away from home, Trip Interruption can pay for lodging, meals, and transportation.
Yes, we offer Accessory Coverage to protect your custom paint, saddlebags, and chrome upgrades. We know custom bikes are a labor of love, and we insure them accordingly.
If your new boat is totaled within a certain timeframe, this coverage replaces it with a brand-new model of similar make and quality, rather than paying you the depreciated value.
Yes! We offer Replacement Cost Fishing Equipment coverage, protecting up to $10,000 worth of tackle, rods, and reels if they are stolen or damaged.
This is a specialized on-water assistance coverage. If you are stranded on the water, it covers fuel delivery, jump starts, or towing with no out-of-pocket costs.
Standard auto policies usually don’t, but our specialized RV policies offer Pest Damage Protection℠, covering damage caused by birds, rodents, and insects.
We offer a Full-Timer’s Package specifically for those who use their RV as a primary residence. This acts more like a homeowners policy, providing personal liability and medical payments coverage similar to a house.
While your auto policy might extend some liability to a trailer while towing, it does not provide comprehensive protection for the RV itself or your belongings inside. You need a specialized RV policy for full protection.
Your Personal Liability coverage helps pay for legal fees and damages if you are sued. We also offer Medical Payments coverage to pay for minor medical bills for guests injured on your property, regardless of fault.
Standard policies have limited coverage for theft of valuable items like jewelry or furs. We recommend “scheduling” these items (adding a specific rider) to ensure they are covered for their full appraised value.
This coverage ensures that if your home is destroyed, the insurance company will pay the full cost to rebuild it with similar materials, even if that cost exceeds your policy limit.
No. Standard homeowners insurance typically excludes flood damage caused by rising external water. You usually need a separate Flood Insurance policy, which we can help you secure.
Typically, yes, your liability and physical damage coverage extends to a rental car in the U.S. We also offer Transportation Expenses coverage to pay for a rental if your own car is in the shop after a covered accident.
Yes, we specialize in helping families with young drivers. We can help you find discounts for good students and safe driving to keep premiums affordable while ensuring your new driver is fully protected.
This is a reward feature offered by some of our carriers where your deductible is reduced (often by 25%) for each consecutive claim-free renewal period, eventually reaching $0.
Anywhere you want. Though we are happy to recommend some local garages. Our claims adjusters are local and will work with your garage of choice to have your car repaired right the first time!
We are proud members of the Northeast Ohio community. Our office is located at 9696 Columbia Rd. in Olmsted Falls, Ohio, and we serve the entire state.
Erie Insurance (founded 1925), Grange Insurance (founded 1935), and Ohio Mutual Insurance (founded 1891) are very reputable and financially sound. Each is rated A+ or better by A.M. Best. You can compare insurance companies at the Ohio Department of Insurance website or check ratings directly at A.M. Best.
Unlike other agents, an independent insurance agent is not tied to one insurance company. You don’t need to change agencies as your insurance and service needs change. An independent agent offers one-stop shopping and can compare plans from many companies, giving you the broadest range of coverage at a competitive price. One call puts you in touch with someone who can do the comparison shopping for you.
Because we care! We are members in our community and have a responsibility to make sure you are properly insured at a reasonable price! We want to be able to look you in the eye when we run into you at the supermarket and know that you are taken care of. We pay local taxes and support our local schools and community with fundraising activities. Why would you want to work with someone who is not invested in your community?
Every family and business is unique. If you didn’t find the specific answer you were looking for above, don’t worry—we are here to help. Contact us today for a personalized conversation about your coverage needs.
