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Custom Personal Insurance Policies​

Ellerhorst Russell Insurance Agency will work with you closely to understand your needs and make sure you have the personal insurance coverage you need. We know the ins and outs of insurance.

Personal Insurance: Protecting What Matters Most

In the wake of an unpredictable world, ensuring the safety of your personal assets and overall well-being has taken on greater significance. Personal insurance offers a safety net, offering essential financial protection to shield you from unexpected events.

In case you are in search of vehicle insurance, car insurance, boat insurance, motorcycle insurance, or even life coverage, homeowners’ insurance plans, or RV Insurance – this page offers necessary guidance. Furthermore, our priority at Ellerhorst Russell Insurance is guiding and assisting individuals such as yourself in making well-informed decisions that result in peace of mind.

Putting Our Customers First

Serving The Community Since 1915.

What is Personal Insurance?

Shielding oneself from unforeseen events can be achieved through personal insurance, which comprises several policies aimed at protecting individuals and their assets. An array of incidents, ranging from accidents to property damage or loss, can be handled effectively with the financial compensation and support provided by these coverages. Personal insurance programs are adaptable to personalized needs, with different types catering to multiple aspects that include automobiles, residences, and health care costs, amongst others.

Why is having personal insurance important?

When evaluating strategies for long-term financial well-being and security, it is crucial to prioritize the acquisition of personal insurance coverage. Providing essential safety nets during challenging times, personal insurance offers critical support when it matters most. Here are some key reasons why personal insurance is essential:

Financial Protection: Protecting one’s wealth and finances from potential trouble is a smart practice to adopt. Personal insurance can provide such protection and alleviate monetary stress when faced with unforeseen circumstances like accidental losses, damage claims, or legal disputes. By taking a proactive step toward acquiring coverage, you ensure that you are financially secure in the face of unexpected events.

Risk Mitigation: In life, unexpected situations can arise at any time. Personal insurance provides a safety net to help people cope with these uncertainties. With coverage for accidents, thefts, natural disasters, and health emergencies, it also reduces risks.

Legal Compliance: Certain types of personal insurance, such as car insurance or homeowners insurance, are mandatory by law. Maintaining the required coverage not only ensures legal compliance but also protects you from potential penalties or liabilities.

Peace of Mind: Having complete trust in your insurance policy provides a feeling of comfort and reassurance. This allows you to fully focus on living vibrantly in each moment with peace of mind.

Types of Personal Insurance Coverages

Ellerhorst has been serving the community since 1915. We have the experience to help you understand what coverages you need at prices you can afford. Below are some of the personal insurance policies we offer:
In this captivating image, a confident woman stands as the centerpiece, showcasing the epitome of reliable car insurance. Dressed in a stylish blue raincoat, she exudes assurance and readiness. With a cellphone in hand, she epitomizes the modern, tech-savvy approach to insurance, always connected and accessible. Her glasses accentuate her discerning eye for detail, emphasizing the importance of thorough coverage. Her warm smile conveys the peace of mind she enjoys, knowing she's safeguarded against life's uncertainties. Behind her, a sleek gray SUV symbolizes the robust protection provided by the insurance company. The car dealership in the backdrop symbolizes trust and an extensive network of partners, ensuring seamless assistance at every step of your journey. As the sun radiates its warmth, illuminating the blue sky, the scene represents a bright and promising future, free from worries. Together, let's navigate life's twists and turns, secure in the knowledge that your car and personal insurance needs are well taken care of.

Car insurance is vital for every car owner since it acts as a safety net when you encounter accidents, thefts, or destruction of your vehicle. Its provisions encompass liability benefits which help cover the expenses incurred by the harm done to other automobiles or personal property. Car insurance ensures legal compliance while shielding you from potential monetary distress.

In this captivating image, a confident woman stands as the centerpiece, showcasing the epitome of reliable car insurance. Dressed in a stylish blue raincoat, she exudes assurance and readiness. With a cellphone in hand, she epitomizes the modern, tech-savvy approach to insurance, always connected and accessible. Her glasses accentuate her discerning eye for detail, emphasizing the importance of thorough coverage. Her warm smile conveys the peace of mind she enjoys, knowing she's safeguarded against life's uncertainties. Behind her, a sleek gray SUV symbolizes the robust protection provided by the insurance company. The car dealership in the backdrop symbolizes trust and an extensive network of partners, ensuring seamless assistance at every step of your journey. As the sun radiates its warmth, illuminating the blue sky, the scene represents a bright and promising future, free from worries. Together, let's navigate life's twists and turns, secure in the knowledge that your car and personal insurance needs are well taken care of.
Immerse yourself in the world of aquatic excitement with our dedicated boat insurance section. The focal point of this captivating image is a sun-kissed man, epitomizing the spirit of adventure and freedom as he confidently pilots a sleek ski boat. With a carefree demeanor, the shirtless man wears a ball cap and stylish sunglasses, exuding a sense of thrill and enjoyment. His relaxed posture and grip on the boat's steering wheel showcase his expertise and control over the vessel. Through the boat's windshield, the crystal-clear water glistens, inviting you to embark on thrilling journeys. The ski tower rises in the background, hinting at the exhilarating activities awaiting water sports enthusiasts. Our boat insurance section ensures that every aspect of your aquatic escapades is protected. From the boat's vital gauges to the specialized equipment, we have you covered. Navigating the vast waterways of life becomes worry-free as our comprehensive coverage safeguards against unexpected challenges. Embrace the waves with confidence, knowing that our insurance services provide a strong safety net. Let the winds of adventure guide you as you explore the open waters, secure in the knowledge that we're here to protect your boating experiences, ensuring smooth sailing at every turn.
Boat insurance is designed to protect boat owners from the risks associated with owning and operating watercraft. It covers damages to the boat, liability for injuries or damages caused to others, theft, and even medical expenses resulting from accidents on the water. Whether you own a small pleasure craft or a luxurious yacht, boat insurance offers the necessary protection.
Step into the comforting embrace of our homeowners insurance section, where we prioritize safeguarding the place you call home. In this inviting image, a woman stands gracefully in her brightly lit living room, providing a glimpse into the warmth and security our coverage offers. Her vibrant red long-sleeved shirt and blue jeans reflect her personal style, while her curly red hair frames her smiling face, radiating contentment and tranquility. Holding a coffee cup in her hand, she epitomizes the simple joys of home life. The living room, adorned with bookshelves filled with cherished books, exudes a sense of intellectual nourishment and comfort. Through the expansive sliding glass doors, a view of the balcony unfolds, showcasing a serene outdoor space adorned with lush green plants. In our homeowners insurance section, we go beyond protecting the physical structure of your home. We understand that it's the essence of your haven, filled with cherished belongings and irreplaceable memories. Our comprehensive coverage ensures that your dwelling and personal possessions are shielded from unforeseen perils. With our dedicated support and unwavering commitment, you can fully immerse yourself in the joys of your home, knowing that we have you covered. Experience the peace of mind that comes from being protected, and cherish every moment spent in your personal sanctuary.
Homeowners insurance provides coverage for your home and personal belongings against perils such as fire, theft, vandalism, and natural disasters. It not only protects the physical structure of your home but also offers liability coverage in case someone gets injured on your property. Homeowners insurance is crucial for safeguarding your most significant investment and ensuring peace of mind.
Step into the comforting embrace of our homeowners insurance section, where we prioritize safeguarding the place you call home. In this inviting image, a woman stands gracefully in her brightly lit living room, providing a glimpse into the warmth and security our coverage offers. Her vibrant red long-sleeved shirt and blue jeans reflect her personal style, while her curly red hair frames her smiling face, radiating contentment and tranquility. Holding a coffee cup in her hand, she epitomizes the simple joys of home life. The living room, adorned with bookshelves filled with cherished books, exudes a sense of intellectual nourishment and comfort. Through the expansive sliding glass doors, a view of the balcony unfolds, showcasing a serene outdoor space adorned with lush green plants. In our homeowners insurance section, we go beyond protecting the physical structure of your home. We understand that it's the essence of your haven, filled with cherished belongings and irreplaceable memories. Our comprehensive coverage ensures that your dwelling and personal possessions are shielded from unforeseen perils. With our dedicated support and unwavering commitment, you can fully immerse yourself in the joys of your home, knowing that we have you covered. Experience the peace of mind that comes from being protected, and cherish every moment spent in your personal sanctuary.
On the life insurance section of our insurance website, we celebrate the bond and importance of family. In this heartwarming image, a family of three stands together in a serene field, symbolizing the strength, love, and protection that life insurance can provide. The husband, dressed in a tan t-shirt and blue jean shorts, tenderly holds their daughter in his arms. The daughter, wearing a pretty pink dress and adorning flowers in her hair, represents the innocence and joy of childhood. Her blonde hair shines in the sunlight, accentuating her vibrant presence. Beside them stands the wife, radiating warmth and grace in her white dress. She holds a basket of flowers, symbolizing the nurturing and caring nature of a parent. The picturesque background features lush trees and a radiant sun, signifying a bright future ahead. In our life insurance section, we understand the importance of protecting your family's financial well-being. We offer comprehensive coverage that provides financial security and peace of mind in the face of life's uncertainties. From securing your loved ones' future to ensuring their well-being, our insurance solutions are tailored to meet your family's unique needs. Embrace the priceless moments with your family, knowing that we are here to safeguard their future. Let us be your trusted partner in building a solid foundation and preserving your family's legacy, so you can enjoy the present with confidence and security.
Preparing for the future is essential when you think about what may happen after you’re gone. Life insurance comes into play during these discussions and ensures that those left behind are financially supported according to their lifestyle needs in times when they would typically be struggling most. The coverage amount varies. This is worth bearing in mind when evaluating different types, such as term or permanent policies, so you can determine what level of support best suits both your situation and those beneficiaries identified within the policy.
Welcome to our insurance website, where we cater to the needs of motorcycle enthusiasts through our dedicated motorcycle insurance section. The captivating image captures the essence of freedom and adventure, as a man dressed in a white t-shirt and blue jeans sits astride a motorcycle, gazing into the distance with a sense of excitement. With a slight smile playing on his lips, the man epitomizes the joy and thrill of riding. Positioned on the motorcycle, he exudes a sense of confidence and mastery over the machine, ready to embark on exhilarating journeys on the open road. The image invites you to imagine the wind rushing through your hair, the hum of the engine, and the thrill of exploring uncharted territories. It's a call to embrace the thrill of two-wheeled freedom while ensuring your safety and protection. Our motorcycle insurance section is designed to provide comprehensive coverage for both your motorcycle and your peace of mind. From liability protection to coverage for theft or accidents, we prioritize your safety and financial security while you chase adventure. So, gear up, hit the road, and revel in the freedom that comes with riding. With our reliable insurance solutions by your side, you can ride with confidence, knowing that we have your back every mile of the way.
Motorcycle insurance offers coverage for motorcycle owners, protecting them from financial liabilities and risks on the road. It typically includes liability coverage, comprehensive coverage, collision coverage, and coverage for medical expenses resulting from accidents. Whether you own a cruiser, sportbike, or touring motorcycle, having adequate insurance ensures a worry-free ride.
Welcome to our insurance website, where we cater to the needs of motorcycle enthusiasts through our dedicated motorcycle insurance section. The captivating image captures the essence of freedom and adventure, as a man dressed in a white t-shirt and blue jeans sits astride a motorcycle, gazing into the distance with a sense of excitement. With a slight smile playing on his lips, the man epitomizes the joy and thrill of riding. Positioned on the motorcycle, he exudes a sense of confidence and mastery over the machine, ready to embark on exhilarating journeys on the open road. The image invites you to imagine the wind rushing through your hair, the hum of the engine, and the thrill of exploring uncharted territories. It's a call to embrace the thrill of two-wheeled freedom while ensuring your safety and protection. Our motorcycle insurance section is designed to provide comprehensive coverage for both your motorcycle and your peace of mind. From liability protection to coverage for theft or accidents, we prioritize your safety and financial security while you chase adventure. So, gear up, hit the road, and revel in the freedom that comes with riding. With our reliable insurance solutions by your side, you can ride with confidence, knowing that we have your back every mile of the way.
Welcome to our insurance website, where we provide a dedicated section for personal umbrella insurance to safeguard your future. The captivating image showcases a woman dressed elegantly in a white dress, facing away from the camera, holding a green umbrella and a leather suitcase. Standing in a picturesque green field, with vast blue skies and fluffy clouds above, the scene conveys a sense of tranquility and peace. The woman, holding the green umbrella, represents the protective coverage we offer to shield you from unexpected events that may arise in life. Her poised posture and the leather suitcase by her side symbolize preparedness and readiness for any challenges that may come her way. As she faces the open field, it reflects the boundless possibilities that await you with our personal umbrella insurance. Our comprehensive coverage extends beyond traditional policies, providing an extra layer of protection that helps safeguard your assets, finances, and future. From liability coverage to legal expenses, we offer peace of mind and security against unforeseen circumstances. Embrace the reassurance that comes with our personal umbrella insurance as you navigate life's uncertainties. With our unwavering commitment to your well-being, you can confidently pursue your passions, knowing that we have you covered every step of the way.
Personal umbrella insurance provides additional liability coverage beyond the limits of your existing policies, such as homeowners or auto insurance. It acts as an extra layer of protection, safeguarding your assets and finances in case you face a lawsuit or substantial liability claim. Personal umbrella insurance is particularly useful for individuals with significant assets or higher risk exposure.
Welcome to our insurance website, where we cater to the needs of adventure seekers through our dedicated RV insurance section. The captivating image portrays a picturesque campsite, showcasing a C-class motorhome parked amidst nature's splendor. Set against a backdrop of majestic green and rocky mountains, the scene invites you to explore the great outdoors and embrace the freedom of the open road. Lush green grass in the foreground and towering trees surrounding the motorhome create a sense of serenity and tranquility. The C-class motorhome symbolizes the gateway to endless adventures and unforgettable experiences. With our comprehensive RV insurance coverage, you can embark on your journeys with confidence, knowing that you and your home-on-wheels are protected. The vibrant blue skies adorned with fluffy clouds add a touch of optimism and limitless possibilities. It's an invitation to immerse yourself in the beauty of nature and discover new horizons. Within our RV insurance section, we prioritize your peace of mind and provide coverage tailored to your specific needs. From liability protection to coverage for accidents, theft, and more, we ensure that you can fully embrace the freedom of RV life while feeling secure and protected. So, hit the road, explore the wonders of nature, and create memories that will last a lifetime. With our reliable insurance solutions, you can unleash your wanderlust, knowing that we are here to safeguard your RV adventures every step of the way.
RV enthusiasts understand the thrill that comes with exploring new horizons with their mobile residences -travel trailers, campervans, or deluxe motorhomes. To ensure safe journeys without worrying about possible mishaps like damage during trips or theft incidents occurring along the way, comprehensive Recreational Vehicle Insurance is vital.
Welcome to our insurance website, where we cater to the needs of adventure seekers through our dedicated RV insurance section. The captivating image portrays a picturesque campsite, showcasing a C-class motorhome parked amidst nature's splendor. Set against a backdrop of majestic green and rocky mountains, the scene invites you to explore the great outdoors and embrace the freedom of the open road. Lush green grass in the foreground and towering trees surrounding the motorhome create a sense of serenity and tranquility. The C-class motorhome symbolizes the gateway to endless adventures and unforgettable experiences. With our comprehensive RV insurance coverage, you can embark on your journeys with confidence, knowing that you and your home-on-wheels are protected. The vibrant blue skies adorned with fluffy clouds add a touch of optimism and limitless possibilities. It's an invitation to immerse yourself in the beauty of nature and discover new horizons. Within our RV insurance section, we prioritize your peace of mind and provide coverage tailored to your specific needs. From liability protection to coverage for accidents, theft, and more, we ensure that you can fully embrace the freedom of RV life while feeling secure and protected. So, hit the road, explore the wonders of nature, and create memories that will last a lifetime. With our reliable insurance solutions, you can unleash your wanderlust, knowing that we are here to safeguard your RV adventures every step of the way.

Top Ohio Personal Insurance Agency

For those looking for an excellent personal insurance provider in Ohio look no further than Ellerhorst Insurance. With a robust commitment to exceptional service delivery, expert consultation services, and wide-ranging coverage possibilities, rest assured that your needs will be met without compromise. Thanks to our customized approaches that cater specifically to each client’s unique circumstances, we stand out as the preferred option for anyone seeking reliable personal insurance offerings, irrespective of one’s preferences or specific requirements.

Conclusion

In a world filled with uncertainties, personal insurance acts as a crucial safety net, providing financial protection and peace of mind. Whether it’s car insurance, boat insurance, life insurance, homeowners insurance, motorcycle insurance, personal umbrella coverage, or RV insurance, the right coverage can make all the difference. Ellerhorst Insurance Agency is committed to serving Ohio residents with expert advice and tailored solutions, ensuring that they can navigate life’s uncertainties with confidence.

How Do I Get A Personal Insurance Quote?

Ellerhorst Russell Insurance Agency will work with you closely to understand your needs and make sure you’re properly protected.​

Frequently Asked Personal Insurance Questions

When it comes to personal insurance. One size doesn’t fit all. Coverage needs depend on each individual’s circumstances. Although car insurance is obligatory, other types of coverage remain optional but advisable.
Various factors come into play when deciding on a suitable amount of coverage for yourself. This entails analyzing your situation and considering assets and liabilities. A proper assessment of potential risks, plus seeking counsel from an insurance professional and insurance company, can help set appropriate coverage limits.
When considering personal insurance, exploring bundle options with one insurance company can yield discounts and make managing policies easier. This approach may result in reduced premiums, making it worth considering.
Several factors are considered by insurers when calculating personal insurance premiums. These may include elements such as your age, location of residence, or work environment claims made in the past, along with coverage limits chosen by you. Additionally, the type of coverage opted for can have an impact on potential payouts under each plan – culminating in an overall assessment of risk that is used to calculate each individual’s unique premium cost.
In the event of a covered loss or incident, contact your insurance company or agent promptly to initiate the claims process. They will guide you through the necessary steps and documentation required to file a claim.

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