Minor Violation Forgiveness

Liability Coverage

Auto Insurance

Classic Car Insurance

Classic Car Insurance in Chesterland, OH and Chardon, OH
Classic Car Insurance in Chesterland and Chardon
Whether itÕs just a hobby, or it makes you a living, your classic car deserves the best protection. At Luczkowski Agency Insurance and Financial Services, we have experience providing classic car insurance to residents in Chesterland, Chardon, Newbury, Kirtland, Mayfield Heights, and Willoughby, and surrounding areas throughout OH. Nationwide has partnered with Hagerty¨, the global leader in classic car insurance, to provide coverage for members who appreciate the classics.

CLASSIC AUTO INSURANCE COVERAGE
We take the time to understand every customerÕs unique insurance needs, and help them create a plan that meets their lifestyle. Our classic car insurance coverage includes:

Antique and classic cars
Postwar vehicles
Muscle cars
Classic trucks and utility vehicles
Vintage motorcycles and scooters
Modified vehicles Ð like hot rods, tuners and lowriders
Antique tractors
Vintage race cars
Classic military vehicles
Kits and replicas
Retired commercial vehicles
Vehicles under construction
LOCAL AGENTS WORKING FOR YOU
As a local agency, we make ourselves accessible to our clients when they need us most. Call or contact us to learn more about this coverage. To get started on a policy, request a quote.

Another option for this page is to list the reasons why Nationwide is the best option for classic car insurance as listed on https://www.nationwide.com/hagerty-classic-car-insurance.jsp

Details and availability vary by state. Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Columbus, Ohio. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states. Hagerty is a trademark of The Hagerty Group, LLC. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide Mutual Insurance Company.

Motorhome Insurance

ItÕs More Than a Vehicle. ItÕs a Lifestyle.
As a motorhome owner, you get the best of both worlds by combining the freedom of the open road with all of the conveniences and amenities you enjoy at home. And just like your home, your recreational vehicle is a big investment that should be protected.

Motorhome insurance from Luczkowski Agency Insurance and Financial Services is a smart way to secure the safety of you, your passengers, and your belongings on the road.

Your motorhome or RV policy from Luczkowski Agency Insurance and Financial Services is designed to provide affordable coverage, with a number of options to choose from:

Collision Coverage Ð for loss or damage to your recreational vehicle resulting from an accident
Comprehensive Coverage Ð for coverage against losses from fire, theft, vandalism, or weather events
Liability Coverage Ð to pay for accident-related expenses, including vehicle damage and personal injury
Extra Protection Matters
For an increased level of security, additional insurance options such as medical payments coverage, vacation liability coverage, emergency roadside assistance, and premium towing and labor are also available.

Luczkowski Agency Insurance and Financial Services wants you to have the best insurance solutions at the best price possible. You may be eligible to start saving today with discounts for:

Association memberships
Completion of a driver safety course
Insuring multiple vehicles
Combining your motorhome insurance with other policies from Luczkowski Agency Insurance and Financial Services
Our team of RV Insurance specialists is ready to discuss your insurance needs and your budget to help design the right policy that keeps you and your motorhome, camper or travel trailer, safe on the road.

Wherever your journeys may take you, rest easy with the peace of mind of motorhome insurance from Luczkowski Agency Insurance and Financial Services.

Powersport Vehicle

THE ROAD LESS TRAVELED
Whatever your interest, be it cruising on your motorcycle or exploring the road less traveled on your ATV, Luczkowski Agency Insurance and Financial Services offers advanced coverage options to meet the insurance needs of the adventurer in everyone.

Whether you are an experienced outdoor enthusiast or just starting out, we have a policy to fit your needs Ð from RVs and boats to motorcycles, Luczkowski Agency Insurance and Financial Services can help protect you and your vehicle. Our insurance options provide you with the same service and rich features you can expect Ð from comprehensive and collision coverage to personal injury protection and towing costs.

We offer insurance policies for a variety of powersports vehicles, such as:

Boats
Motorcycles
Motorhomes
ATVs
Snowmobiles
Scooters
WHY POWERSPORTS VEHICLE INSURANCE?
Owning a powersports vehicle can be a dream come true. It gives you the freedom to travel and the capability to explore new places, but with freedom comes responsibility. Should an accident happen Ð such as property damage, vandalism, or bodily injury as a result of a crash Ð it is reassuring to know that your investment is protected.

With Powersports Insurance from Luczkowski Agency Insurance and Financial Services, you can continue living the dream with confidence, knowing that you, your vehicle, and your passengers are protected. Contact one of our representatives today to find a package that works best for you.

Luczkowski Agency Insurance and Financial Services provides Powersports Insurance to adventurers near Chesterland, Chardon, Newbury, Kirtland, Mayfield Heights and Willoughby.

Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states.

Motorcycle Insurance

Motorcycle Insurance in Chesterland, OH and Chardon, OH
MOTORCYCLE INSURANCE IN Chesterland, OH
Warm weather brings out a wild side for many drivers, with a noticeable increase in motorcycle traffic. Whether cruising the back roads or heading to the city, holding the proper insurance coverage is essential for motorcyclists as danger could be around the bend.

At Luczkowski Agency Insurance and Financial Services, we understand the exposures facing motorcyclists and our insurance package can be customized to fit a variety of risks. We routinely insure riders and their bikes in Chesterland, Chardon, Newbury, Kirtland, Mayfield Heights, Willoughby, and the surrounding areas.

INSURING MOTORCYCLISTS WITH COLLISION COVERAGE, PROPERTY DAMAGE LIABILITY, AND MORE
We believe in taking a consultative approach to insurance, and we will answer any questions before helping you select what best fits your needs. Whether a novice rider or seasoned expert, our coverage can be tailored for each client. Our motorcycle insurance can protect against a variety of exposures, and our coverage offerings include, but are not limited to:

Collision Coverage
Theft
Vandalism
Damage caused by Uninsured or Underinsured Motorists
Bodily Injury Liability
Property Damage Liability
Medical Payments Coverage
Guest Passenger Liability
We can keep motorcycles protected while in storage, and can also protect gear, equipment and accessories. To begin working with a knowledgeable agent, request a quote.

PROTECTING CLIENTS ON THE OPEN ROAD
At Luczkowski Agency Insurance and Financial Services, we enjoy building lasting relationships with our clients and insuring them for every stage of their journey. Before hitting the open road, contact us to learn more about our products and services for motorcycles and other powersports vehicles.

Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states.

Homeowners Insurance

Need a Homeowners Insurance comparison in the Chesterland area?

If you’re like most homeowners in Ohio, your home is your most valuable asset and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

The Luczkowski Agency can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and competitive pricing.

Note: if you are looking for homeowners insurance for a rental property or home that is unoccupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with.

Regardless of whether you live in China Grove or any other part of North Carolina, homeowners insurance is one of the most important insurance policies you could ever own.

It’s important to understand that no two homeowners insurance policies are created equal, though. Different insurance companies offer different levels of coverage, different endorsements, and riders and have different conditions and limitations.

Chesterland and Cleveland Homeowners Insurance

If you’re not using an agent in your hometown like us, it can be hard, if not impossible, to tell the difference between two homeowners insurance policies.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners’ insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property, or whether it’s a policy that covers only specified losses.

Common Homeowners Insurance Coverage

These are some common coverages you typically see on a policy:

Dwelling — this is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Other Structures — this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually, this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically, anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use — this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

Medical Expense —this covers medical expenses for guests if they are injured on your property and, in some instances, covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability — Personal Liability Coverage applies if someone is injured or their property is damaged, and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property — there are some situations where you might want special coverage for valuables or collectibles like jewelry, guns, collectibles, rugs, etc..

How to get started with your homeowner’s quote:

Every home is unique and therefore requires a carefully crafted policy.

If you’d like us to review your current policy and provide you with no-obligation quotes, call our office, and enter some basic information in the fields below to get started online. Either way, we make the process super simple!

Boat Insurance

Boat Insurance

We specialize in Boat Insurance in China Grove

Boats and personal watercraft are big investments, but if you love being out on the water, you know they’re worth it.

So protect your fun investment with coverage that’s designed with the boat lover in mind, not with some standard coverage or add-on to your Homeowners Insurance.

boat insurance China Grove NC

Jason Bentley Agency can help make your time on the water relaxed and worry-free. We will find you comprehensive insurance protection that protects you, your friends, family, your watercraft, and your boating equipment.

The average boat policy costs less than a dollar a day. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.

Do you know what to look for in a Boat Insurance policy? Jason Bentley Agency can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.

China Grove Boat Insurance coverages

  • Navigational Area — Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. In North Carolina, Florida and Oregon, coverage for additional areas can be purchased.
  • Agreed Value Coverage — Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
  • Liability — Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.
  • Medical Payments — Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
  • Physical Damage Coverage — Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.
  • Uninsured/Underinsured Watercraft Bodily Injury — Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
  • Fuel Spill Liability and Wreckage Removal — Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.
  • Personal Effects — Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what’s required in your state. Personal effects coverage does not include jewelry, watches or furs.
  • Unattached Equipment Coverage — This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.
  • Emergency Assistance — The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.