How To Review Your Auto Insurance Coverage After Buying a New Car

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Buying a new car is exciting, but it also means your insurance needs have likely changed significantly. Many drivers simply transfer their old coverage to their new vehicle without considering whether those limits still make sense. Bonvenuto Financial Group, LLC, serving Uniontown, OH, helps new car owners evaluate their coverage options to ensure they’re properly protected without overpaying for unnecessary features.

Reassessing Your Coverage Limits

Your new car’s value probably differs substantially from your previous vehicle, which means your coverage limits should change accordingly. If you upgraded to a more expensive car, increasing your comprehensive and collision deductibles might save money on premiums while still providing adequate protection. Conversely, if your new car is worth significantly more, you’ll want to ensure your liability limits can handle potential lawsuits. Consider your new car’s repair costs, replacement value, and safety features when adjusting coverage amounts.

New Vehicle Features That Affect Rates

Modern cars often include safety features that can earn you insurance discounts. Anti-theft systems, automatic emergency braking, lane departure warnings, and backup cameras all potentially reduce your premiums. However, these same features can make repairs more expensive, so discuss how they impact your deductible choices. Some insurers offer new car replacement coverage for recently purchased vehicles, which pays for a brand new car rather than the depreciated value if your car gets totaled.

Optimizing Your Policy

Review your policy annually, especially after major changes like buying a new car. Compare quotes from multiple insurers since rates vary significantly between companies for different vehicle types.

Get the Right Coverage

Don’t assume your current coverage works perfectly for your new car. Bonvenuto Financial Group, LLC, serving Uniontown, OH, can review your policy and ensure optimal protection.

What is Auto Liability Insurance?

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Part of being a car owner is having car insurance. Knowing the different types of car insurance can help you choose the best insurance for you. The most basic, and often inexpensive, type of car insurance is auto liability insurance.

Whether you’re trying to save money or simply don’t think you need a lot of coverage for your vehicle, liability insurance may be an option. The professionals at Bonvenuto Financial Group LLC, servicing Uniontown, OH, can help you decide if this type of insurance is right for you.

What Is Auto Liability Insurance?

Liability insurance is the most basic type of auto insurance available and is legally required. If you cause an accident that damages another vehicle, liability insurance can pay to repair or replace the other driver’s vehicle. Liability insurance does not pay to repair or replace your vehicle after a collision. Liability insurance also does not pay to repair or replace your vehicle when non-collision events occur, such as theft or vandalism. 

How Does Auto Liability Insurance Differ from Other Types of Auto Insurance?

Different types of auto insurance provide different types of coverage. For example, collision insurance will pay to repair or replace your vehicle if you’re in an accident, regardless of fault. Comprehensive insurance will pay to repair or replace your vehicle if it is damaged or destroyed by non-collision events like theft, hail, flooding or hitting an animal. Knowing the kind of coverage you want for your vehicle can help you decide on the type of insurance that’s right for you.

Need Auto Liability Insurance? Call Us

If you need liability insurance, the professionals at Bonvenuto Financial Group LLC, servicing Uniontown, OH, are here to help. As an independent insurance agency, we work with many carriers, which makes shopping around easy. To get the right insurance for your car, contact us.

Minimum Liability Insurance vs. Classic Auto Insurance: The Differences in Uniontown, OH

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If you’re a collector of classic cars, you may be wondering which insurance policy is right for you—especially if you only drive your vehicles seasonally or for shows. Knowing that liability and classic car insurance are two separate types of insurance is crucial before getting behind the wheel. If you’re located in or near Uniontown, OH, and you’re in need of guidance with your classic insurance, Bonvenuto Financial Group, LLC is here to help.

Minimum Liability Insurance in Ohio

Throughout the state of Ohio, minimum liability insurance is required by law for all drivers. It protects:

  • Bodily injuries (when others are hurt in an accident involving you)
  • Property damage liability (any damage that you cause to another’s vehicle or property)

What is Classic Auto Insurance?

Classic auto insurance is designed specifically for collector vehicles. Cars that are 20-25+ years old, well-maintained, or restored may qualify for classic car insurance. Classic car insurance is also ideal for those who drive their vehicles for a limited time and for those who safely and securely store their vehicles, especially during the off-seasons. 

Limited liability insurance isn’t enough for classic cars, as it does not cover damage done to your vehicle and does not cover restorations, custom parts, or upgrades. Combining liability insurance with classic insurance may be your best route for optimal protection. 

Knowing what both liability and classic auto insurance protects you from is important for any driver, collector or not. If you’re interested in classic auto insurance but want to protect others from potential damages and injuries when you’re behind the wheel, a combination of both types of insurance may be necessary. For residents and drivers in and around Uniontown, OH, contact Bonvenuto Financial Group, LLC for assistance with finding the insurance policies that are right for your vehicles and lifestyle today.

Understanding Insurance Coverage When Hosting Guests in Your RV

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Hosting friends or family in your RV can turn a simple road trip into a mini–family reunion. Potluck dinners, late-night stories, kids in and out of the bunk … great memories, until someone slips on the steps or bumps the awning. If you’re based in Ohio (or roaming beyond it), it helps to know how your RV insurance through Bonvenuto Financial Group LLC, serving Uniontown, OH, responds when guests are part of the plan.

Liability Coverage for Guests

If a guest is injured in or around your RV and you’re found responsible, liability coverage can help with medical bills and legal defense. Think wet flooring after a rainstorm, a misstep off the entry step, or a grill mishap. Some policies also include medical payments to others, which can cover smaller injuries without a liability determination. This is handy for keeping friendships intact while claims are sorted out.

Damage Guests Cause to the RV

Even well-meaning friends can crack a cabinet door or pop a screen. Collision or comprehensive coverage may apply, depending on how the damage happened (backing into a post versus wind blowing a tree branch). Personal property inside the RV isn’t always fully covered, so ask how your policy treats things like tablets, cameras, or that new camp coffee maker.

Who’s Driving, and Are They Allowed?

If a guest will take a turn behind the wheel, confirm whether your policy allows permissive drivers and if any age or license restrictions apply. Some policies require named drivers; others don’t.

Weather, Ohio Curveballs, and Beyond

Ohio’s sudden wind, hail, and fast-moving storms make comprehensive coverage essential while you’re parked or rolling. Earthquakes are rare here, but if you travel out of state, check whether your policy excludes ground movement and what endorsements, or policy add-ons, are available.

Inviting people into your RV should feel easy. A short coverage review for liability, comprehensive/collision, other drivers, and personal property lets you focus on the trip, not the what-ifs. Contact Bonvenuto Financial Group LLC, serving Uniontown, OH, to learn more.

Motorcycle Insurance Coverage for Frequent Travelers

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It’s a big deal to update and maintain your motorcycle insurance policy, especially if you frequently use your motorcycle for leisure or business travel. Motorcycle insurance protects against accidents, vandalism, theft, and natural disasters.

Accidents

Operating a motorcycle can be risky, particularly in congested areas where accidents with other motorists are more likely. The last thing you want to worry about is how to cover medical bills and repair costs.

Liability coverage for motorcycles protects you against expenses from accidents where you are at fault. This coverage handles out-of-pocket liability costs.

Collision coverage for motorcycles protects your bike from damage to its body and mechanical failures. This type of coverage can help supplement the cost of repairs needed to restore your motorcycle to its original condition.

Criminal Activities

Criminal activities, such as vandalism or theft, can result in moderate to severe damage to your motorcycle. Your bike could even be stolen when parked in a public space or left unattended.

Acquiring insurance that covers the value of your motorcycle can be highly beneficial. This type of coverage allows you to repair or replace your motorcycle in the event of criminal activity.

Natural Disasters

Natural disasters, such as hurricanes or severe storms, can cause significant damage to your motorcycle. Adding insurance protection to your policy safeguards your investment against unforeseen events.

Agent Consultation Through Bonvenuto Financial Group LLC

To learn more about protecting your motorcycle, speak with an insurance agent serving Uniontown, OH. An agent can provide personalized advice during a consultation and help you select the coverage amount that best suits your needs.

Winterizing Your Boat: What Watercraft Owners Need to Know

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Owning a boat is a significant investment, and protecting it during the off-season is essential. Winterizing your vessel not only shields it from harsh weather but also helps maintain its long-term value. Insurance providers often encourage boat owners to take preventive measures, as proper winterization reduces the risk of damage and costly claims.

Why Winterization Matters

Cold temperatures, ice, and moisture can cause extensive damage to engines, plumbing systems, and hulls if left unaddressed. Issues such as cracked engine blocks, burst hoses, and mildew are common when a boat is not properly prepared. Taking the time to winterize ensures your boat remains in good condition and is ready to launch when warmer weather returns.

Key Steps in the Winterization Process

Winterization involves more than simply pulling your boat out of the water. Here are some essential steps to properly winterize your boat or watercraft:

  • Engine Care: Flush the cooling system, add antifreeze, and change the oil to prevent corrosion.
  • Fuel System: Stabilize the fuel and fill the tank to reduce condensation.
  • Interior & Electronics: Remove valuables, clean thoroughly, and disconnect batteries to avoid power drain.
  • Hull Protection: Wash the exterior, apply a protective wax, and consider shrink-wrapping or using a fitted cover.

Bonvenuto Financial Group LLC: Proud to Serve Uniontown, OH

If you’re looking for boat or watercraft insurance, we’re here to help you protect your investment. At Bonvenuto Financial Group LLC, we proudly serve Uniontown, OH. Reach out to our team or stop by our office today to speak with one of our agents and learn how we can meet your insurance needs.

Why You Need the Extra Liability Coverage of Umbrella Insurance

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Liability insurance is essential for everyone due to the rising costs of accidents. With medical expenses increasing every year, it’s more important than ever to ensure you have adequate coverage to protect yourself financially. While your home and auto policies provide some liability coverage, adding an umbrella insurance policy offers an extra layer of protection against the high costs of accidents. To get started with a policy, contact Bonvenuto Financial Group LLC in Uniontown, OH.

Expensive Accidents

Home and auto insurance policies come with their own liability limits, offering a certain level of protection. However, these limits are often insufficient for covering the costs of expensive accidents. Serious injuries can result in astronomical medical bills, leaving you financially vulnerable if your policy doesn’t cover the full amount. Umbrella insurance steps in to provide additional liability coverage, ensuring you’re not responsible for paying out-of-pocket once your home or auto policy reaches its maximum payout.

How It Works

When you have home, auto, and umbrella insurance, your home or auto policy is the first to respond in the event of an accident. These policies cover the costs up to their maximum payout limits. If the expenses exceed these limits, umbrella insurance takes over to cover the remaining costs. Umbrella policies offer substantial coverage, making them invaluable for protecting against the financial burden of expensive accidents. Adding this policy is a smart way to safeguard your finances and avoid paying overages.

Get Umbrella Insurance in Uniontown

Protect yourself with umbrella insurance today. Contact Bonvenuto Financial Group LLC in Uniontown, OH to get started with a policy that provides peace of mind and financial security.

Uniontown Flood Risk? Don’t Get Caught Uninsured!

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Living in Uniontown, OH, can be wonderful, but it also comes with risks, such as flooding. Whether it’s in your front yard, backyard, or making its way into your home, floods can cause significant damage. Unfortunately, the average home insurance policy doesn’t cover floods, leaving you vulnerable to costly repairs and replacements.

You shouldn’t have to bear the financial burden of replacing furniture and making home repairs because your insurance denied a claim. That’s why flood insurance is essential, and our agents at Bonvenuto Financial Group LLC are here to help.

Why Flood Insurance Is Important

Home insurance covers many scenarios, but floods are considered unique and are excluded from standard policies. Floods can cause extensive damage, and insurance companies view them as too expensive to include in regular coverage.

Flood insurance is sold separately, and whether you’re required to have it depends on your location. If you’re in a flood zone, your mortgage company will likely mandate flood insurance. Even if you’re not in a flood zone, it’s a smart investment to protect your home from unexpected flooding caused by severe storms.

Determining Your Flood Risk

FEMA identifies flood zones annually. If you can see a body of water from your home, you’re likely in a flood zone. In such cases, flood insurance is not only recommended but often required.

However, even if you’re not near a body of water, flooding can still occur during heavy storms. This makes flood insurance a wise choice for homeowners who want to be prepared for the unexpected.

Talk with an Agent Today

Don’t wait to find out if you need flood insurance. The truth is, floods can happen anywhere—even outside FEMA-rated flood zones. It’s better to err on the side of caution and ensure you have the coverage you need in Uniontown, OH.

Contact us at Bonvenuto Financial Group LLC today to learn more about flood insurance options. We’ll provide you with quotes and the information you need to make an informed decision.

What Type of Insurance Do I Need if I Plan to Use My Condo as a Rental?

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Understanding Insurance for Your Rental Property

Condo owners in Uniontown, OH, planning to convert their unit into a rental property may be unsure about what is needed to ensure their property is protected, whether from events, accidents, or damage caused by tenants.

Does My Condo Association’s Policy Cover My Unit?

The answer is no. An association’s master policy insures the structure of the building and the surrounding common areas, not the interior of each individual unit.

For residents, an HO-6 policy covers the owner’s personal property, belongings, and interior. For owners planning to rent their condo, landlord insurance is necessary, as homeowners’ insurance typically does not provide coverage.

What Does Landlord Insurance Cover and Not Cover?

Generally Covered

Protecting your condo with insurance when it becomes a rental unit is at the top of the list of "important things to do". When you purchase landlord insurance, some areas of the unit’s interior are covered. If you have provided appliances or furniture for the rental condo, these may also be covered. The policy may also include liability coverage in case of an injury.

Generally, Not Covered

If your tenant intentionally damages the unit, your insurance may not apply. You may need additional coverage for water damage due to faulty drains or sewer issues. Flood insurance may also need a separate policy.

Your tenants need to purchase renters’ insurance to protect their personal belongings, as landlord insurance does not.

Contact Bonvenuto Financial Group LLC

For a complete understanding of what landlord insurance covers for your condo rental property in Uniontown, OH, contact us at Bonvenuto Financial Group LLC. We thoroughly explain the coverage, why it’s needed, and make recommendations for any additional coverage that may be beneficial. Please call us at your earliest convenience to arrange the right coverage that protects your investment.

Should You Arrange for Burial Insurance?

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Many people don’t realize the importance of planning for their own funeral and burial. Pre-planning and pre-payment are encouraged to prevent confusion about your wishes and to avoid burdening your beneficiaries with significant bills after your passing. But what if you don’t have the funds right now to pay for everything and are unsure about which funeral home to use for your funeral? You can arrange for burial insurance to assist your heirs after your death. The Bonvenuto Financial Group LLC in Uniontown, OH wants to ensure you’re aware of this beneficial policy.

A Lesser-Known Form of Life Insurance

Burial insurance is a type of life insurance. However, it’s not dependent on your health status and doesn’t expire with age. After all, it’s designed to kick in when you pass away. Burial insurance covers everything from the cost of your casket or cremation to paying off debt that your estate is responsible for, although it is limited to the coverage amount you arrange for.

Be aware that sometimes burial insurance is included in whole-life insurance, so you may be able to access it without having to pay for separate life insurance policies. In cases where burial insurance is sold separately, you will need to consider whether it’s the right type of policy for you; perhaps getting a basic whole-life policy instead is better because you want to leave more money to your heirs.

The most helpful thing to do is to contact the Bonvenuto Financial Group LLC in Uniontown, OH, to discuss your situation. Think about what you want and need, and speak to an insurance agent about the type of life insurance policies that best fit how you want things to turn out for your heirs when you pass away.

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