Ocean Marine

Several risks arise when moving goods and property. Transportation equipment or cargo may be damaged, destroyed or stolen. Marine insurance can provide essential coverage for these exposures through ocean marine insurance and inland marine insurance.

Our agents can discuss the available options to help you secure the policy that is right for you. Contact us for details.

Ocean Marine Insurance

Ocean marine insurance offers coverage for businesses involved in maritime operations, such as manufacturers, distributors and vessel owners. Coverage may include the following:

• Ocean marine hull coverage—This may cover ocean-going vessels, tugboats, barges and other commercial watercraft if a covered peril physically damages them or their machinery or equipment. Coverage for other floating equipment and some fixed property (e.g., offshore installations) may also be available.
• Ocean marine cargo coverage—This may cover waterborne cargo during any part of the shipping process if it is damaged or destroyed by a covered cause or if it is stolen.
• Ocean marine liability coverage—This may cover a ship owner’s liabilities to third parties that arise during the watercraft’s operations. It may also be known as protection and indemnity (P&I) insurance.

Coverages, exclusions and limits vary depending on the policy. Working with an agent can help ensure you find a policy that best fits your needs.

Inland Marine Insurance

Another type of marine insurance is inland marine insurance that may cover property as it is shipped overland on trucks, trains and other automobiles. It may also provide coverage for the following:

• Specialty equipment
• Unique or valuable property (e.g., art and jewelry)
• Property stored temporarily by a third party
• Third-party property that is temporarily in your care, custody or control
• Movable property
• A variety of other property and equipment may be eligible for coverage. Speak with your agent to learn more.

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Several types of businesses should consider marine insurance, including importers, exporters and those that work off-site or with movable property. Our agents can discuss your operation’s needs and help you secure the optimal policy. Contact Zambetti Insurance to get started.

Inland Marine Insurance 

Inland marine insurance may provide coverage for various types of commercial property, including items that are in transit, stored off-site or movable. It may also cover specialty equipment and others’ property that is temporarily in your possession.

Our agency can help you secure the inland marine insurance policy that best suits your business’s needs. Contact us today to get started.

What Does Inland Marine Insurance Cover?

Inland marine insurance may provide repair or replacement costs for several types of business property, such as:

• Specialty equipment and tools
• Property being transported over land
• Movable business property
• Your business’s property a third party is storing temporarily
• Unique and valuable property (e.g., jewelry and art)
• Property of a third party temporarily in your business’s care

If these or other eligible items are damaged or destroyed by covered perils (e.g., fire or wire), are stolen or go missing without a known cause, inland marine insurance may provide repair or replacement costs. This financial assistance can reduce your business’s out-of-pocket burden.

Specific types of coverage under the inland marine insurance umbrella may also be available (e.g., motor truck cargo insurance, bailee coverage and builder’s risk insurance). Contact your agent for more information regarding eligible property, options, terms, limits and exclusions.

Get Inland Marine Insurance

Our knowledgeable professionals are ready to help your business secure the inland marine insurance that meets your needs. Contact Zambetti Insurance for more information or a quote.

Personal Umbrella Insurance

Most personal lines liability policies, such as home, auto, renters or watercraft, have limits up to which it will pay out for covered claims. Having an umbrella insurance policy can help protect you from liability claims or lawsuits that exceed the limits of your current policies. To learn more about personal umbrella insurance and determine whether it’s right for you, contact us today.

Protect Your Financial Livelihood

Personal umbrella insurance can help protect you against potentially damaging liability claims or judgments by covering any liability costs that exceed your existing liability policy limits. For instance, if you cause an auto accident and a third party is injured, your auto insurance may cover the driver’s medical costs and repair costs to their car, up to your policy’s limit. If the medical expenses or property damages exceed your policy’s limits, and it can’t adequately cover the other driver’s bills, an umbrella policy may help cover the additional costs.

Without umbrella insurance, you’re liable for paying any additional expenses out-of-pocket. Also, your assets become vulnerable without umbrella insurance, including your house, car, financial and retirement accounts, and future income.

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A personal umbrella insurance policy may cover claims that exceed the liability limits of your existing policies. Zambetti Insurance can help you evaluate your needs and risks to ensure you have suitable coverage to protect your financial livelihood.

Pet Insurance

If you own a pet, getting pet insurance is worth considering. Like humans, pets are vulnerable to various illnesses, injuries and medical expenses, and having pet insurance can financially protect you from these unexpected incidents. Choosing the right insurance policy can be complex. Our agency can help you learn more about potential insurance coverage to help you select the right policy for you and your pets.

What Pet Insurance Covers

Insurance policies vary among pet owners. However, standard coverage tends to include:

• Lab work
• Prescriptions
• X-rays
• Surgeries, including spay/neuter
• Hospitalization
• Dental work

It’s essential to note that pet insurance is voluntary coverage, meaning you decide whether you want to pay for a policy. Pet insurance typically does not cover standard check-ups or routine visits to the vet. To learn more about your coverage options, be sure to contact our agency.

How to Get Pet Insurance

Zambetti Insurance can help you navigate potential pet insurance policies so you can decide on the proper coverage. Contact us today to learn more or request a quote.

Whole Life Insurance

Whole life insurance is a death benefit provided for the insured person’s life; it is one type of permanent life insurance policy you can receive. It’s essential to determine which type of life insurance you are looking for, which often means evaluating the term length that best suits your needs. Our agents are here to help you sort through coverage options.

What Is Whole Life Insurance?

Whole life insurance guarantees death benefit payments to designated beneficiaries in exchange for regularly paid premiums. A portion of the policy called cash value is a savings component where the interest can grow. This part of whole life insurance makes the policy unique due to its length.

How Much Does Whole Life Insurance Cost?

The cost of whole life insurance is based upon several factors. Factors impacting your premium rates include age, occupation and health history. The older you get, the higher your rates tend to be. If you’re considering whole life insurance, starting your coverage as early as possible is best. Your rate will also vary greatly depending on how much you as a policyholder are paying in. The higher the face amount of the policy, the higher the premium. Be sure to reach out to an agent about questions related to your coverage rates.

How to Get Whole Life Insurance

Whole life insurance could be the right option for you. Contact Zambetti Insurance today if you have additional questions or are looking to get started.

Term Life Insurance

Life insurance can help ensure the monetary needs of your loved ones are protected after you die. The type of life insurance and how much you choose is personal; however, term life may be coverage worth considering. Work with an agent today to learn more about term life insurance and determine whether it’s right for you.

What Is Term Life Insurance?

Term life insurance is coverage you choose for a set number of years, such as 10, 20 or 30, which is referred to as the policy’s term. Term life insurance is sometimes called pure life insurance, as it only provides the guaranteed death benefit and does not feature a savings component.

Your term life policy can provide a death benefit to your named beneficiaries if you die during the policy’s term. If you do not die during this time, the policy doesn’t pay out and expires when the term ends. At the end of the term, you can choose to renew or reapply for a policy, allow the policy to terminate, or inquire about your options for converting the policy into a whole life policy.

How Much Life Insurance Coverage Do I Need?

Determining how much life insurance coverage you should purchase is entirely up to you, and can be complex. Some people choose to buy enough life insurance to cover the costs of their debts, such as mortgages or car payments. If you die while these debts are still outstanding, your beneficiary may use the money to settle these expenses. Other people purchase enough coverage to cover a certain number of years’ worth of their income to their beneficiaries.

If you purchase a term policy to protect your family, you must understand if your family’s life insurance needs may change before the term expires. For many people, this can mean the kids will be grown and on their own, the house will be paid off, and you may want to leave some money as a safety net for your surviving spouse. Work with an agent to determine what amount of coverage is right for you.

How to Get Life Insurance

Your decision to buy a term policy should be guided by your specific situation and what matters to you.

If you need term life insurance, we’re here to help. Give Zambetti Insurance a call to get started.

Classic Car Insurance

Having the right classic car insurance for your vehicle is essential. Classic cars, also known as antiques, can be expensive investments. Classic car insurance helps financially protect against unforeseen accidents like collisions and vandalism. Selecting a policy can be difficult, as coverage needs vary depending on various factors. Our agency can help you weigh your options and decide on the right policy for you and your classic car.

Who Needs Classic Car Insurance?

Typically, people who own classic, antique or collectible cars need classic car insurance. To qualify, your car generally needs to be:

• At least 25 years old
• Exotic
• Modified
• A modern muscle car

Contact our agency to learn more about classic car insurance qualifications.

How to Get Classic Car Insurance

Zambetti Insurance is determined to help you learn more about classic car insurance. Contact us today to learn more or request a quote.

Watercraft & Boat Insurance

Having the right boat insurance policy for your watercraft can be an excellent way to protect yourself from costs related to property damage and medical expenses if an injury occurs. Our agency can assist you in learning more about your coverage options so you can be financially protected.

What Does Boat Insurance Cover?

Boat insurance policies generally depend on the type of coverage you select. Regardless, common boat insurance coverages include:

• Liability coverage helps cover expenses if your boat causes damage to another person’s property.
• Medical payments coverage helps cover medical expenses if you or a passenger gets injured on your boat.
• Boat insurance property coverage helps protect your boat from various risks and potential incidents by covering costs related to incidents such as theft or vandalism.
• Uninsured watercraft coverage helps cover expenses if an uninsured boater collides with you and causes injury to you or your passengers.

Other coverage options may be available. Our agency can help you learn about potential coverages to include in your boat insurance policy.

How to Get Boat Insurance

Zambetti Insurance is ready to help you learn more about boat insurance. Contact us today to request a quote or to learn more.

Condominium Insurance

Condominium insurance, also known as HO-6, is essential for all condo owners. A standard HO-6 policy covers what a condo association’s master policy won’t, including financial protection from damaged or lost personal belongings and injuries that occur inside your condo. Our agency can help you evaluate your coverage options to determine the right policy for you and your condo. Contact us today to learn more.

Condo Insurance Coverages

Coverages vary among condo owners, but a general HO-6 policy might include:

• Dwelling coverage, which helps cover any damage that occurs to the interior of your condo, including expenses related to weather damage such as hurricanes and fires
• Personal property coverage, which generally assists in covering expenses related to damaged or lost personal belongings, including clothing and furniture, that you keep inside your condo
• Personal liability coverage, which can assist in covering medical bills or legal expenses if someone gets injured inside your condo
• Additional living expenses, which covers living expenses, such as a hotel room, if damage occurs to your condo and you cannot live there while it’s being repaired or rebuilt

Although these coverages are common in most HO-6 policies, there might be additional options. You may also need to secure additional lines of coverage, such as flood insurance or personal umbrella insurance. Reach out to our agency today to learn more about coverages to include in your policy.

How to Get Condo Insurance

Zambetti Insurance can assist you in learning more about HO-6 policy options. For more information, contact us today to request a quote.

Recreational Vehicle Insurance in Independence, OH

Recreational vehicle (RV) insurance is designed to cover your motorhome, camper or travel trailer from various risks. Zambetti Insurance offers plans built around your RV’s use.

What Are My RV Insurance Coverage Options?

Our policies can include:

• Comprehensive and collision coverage may help pay for damage to your RV resulting from accidents, theft, vandalism, fire or severe weather.
• Liability coverage may apply to injuries or property damage you may cause to others while operating your vehicle.
• Personal belongings coverage may cover the contents inside your RV, such as electronics, camping gear and personal items.
• Vacation liability coverage may offer additional support when your vehicle is parked and used as a temporary residence.
• Roadside assistance coverage can help if you experience a breakdown, flat tire or need towing while on the road.

Who Needs This Policy?

In Ohio, liability coverage is required for motorized RVs, and additional plans may be needed based on how you use your vehicle. Whether you travel full-time or take occasional trips, our team can help you explore your options and comply with state rules.

How Much Does It Cost?

Rates can vary based on your vehicle type, how often you drive, your location and the coverage you choose. You may qualify for discounts by bundling policies, completing safety courses or installing safety features. State requirements and policy details also influence your final rate.

Find RV Insurance Near Me

We help RV owners in Independence, OH find insurance that fits their needs and budget. We explain your options, answer questions and tailor coverage to your vehicle use. Contact Zambetti Insurance to learn more and get a free custom quote.