Insurance: The three calls you make if disaster strikes

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An insurance declaration can be a tough, if not scary read. Terms and conditions may seem simple enough, but do you know that you are properly covered? What are your limits for sewer and drain backup on your home? Do you have a “Named Peril” or “Comprehensive” policy for your homeowners insurance? Do you have the proper coverage for underinsured or uninsured motorist (UM/UIM) damage? An estimated 11 percent of Ohio drivers don’t carry any auto liability insurance.

A professional local insurance agent can be a valuable friend to have in the event of loss to your home, auto, or business. Online sites may promise a great discount and the lowest rates, but they can’t offer face-to-face service. They aren’t able to sit down and explain the reason for different rates, and they certainly won’t offer you an actual shoulder to lean on in the case of a loss.

When disaster strikes you’ll make three important calls. The first will be to EMTs, firefighters and police to help stop the damage. Next, your family and friends will console and comfort you. The third call should be to your trusted local insurance agent who will work tirelessly to make sure that you are made whole again.

Tiffany N. Budzinski is a professional licensed agent at Budzinski Insurance. She has earned an MPA degree and is licensed to sell property, casualty, life and health insurance in the states of Ohio and Michigan. Budzinski Insurance offers a full line of insurance including auto, home, business, life, and health. It is located on 218 Mechanic St. Ste. A, Waterville, OH 43566. Tiffany may be contacted at 419-878-7800 or by email at tiffanybudzinski@gmail.com.