Products & Services

Important Information Regarding Rideshare Companies

Uber is becoming a major exposure across the country. The standard personal auto policy does NOT provide any auto coverage for persons driving for Uber (or any other rideshare company) when the company's App is active. If you are considering driving for a rideshare company you must contact the specific rideshare company for definition of their coverages.

We have included below some articles from the Professional Independent Agents Association of Ohio, Inc. regarding rideshare companies. Please keep in mind all policies and coverages may change quickly with the rideshare companies. Check often to keep yourself protected.

Insurance at a Glance:

Homeowner's Insurance

Homeowners Insurance makes sure that your family has what it needs to survive if something happens to your home. If policy is written correctly to replacement cost this policy will pay to rebuild in the event of a loss. Will also pay to temporarily relocate, as well as replace any personal belongings, which are lost or damaged in the loss.

Automobile Insurance

Auto insurance protects you against financial loss if you have an accident. It can also protect you if your car is stolen, if you or any passenger in your vehicle is hurt during an accident. If you or your car is responsible for damage or injury to others, you could be sued for much more that you are worth. No only is having insurance a good financial decision, many states require you have at least some coverage.

IMPORTANT NOTE: Effective December 22, 2013 the new Ohio state minimum requirements for liability will be $25,000/50,000 Bodily Injury and $25,000 Property Damage. This will replace the existing limits of $12,500/25,000 Bodily Injury and $7,500 Property Damage.


Renters or Apartment Insurance

Insurance for the renter who is renting a house or an apartment. There are three basic coverages in which every renter should have: Personal Property, Loss of Use and Personal Liability.

Condo Insurance

Condo insurance covers your personal property and also covers the inside of your unit that you are responsible for according to the bylaws.

Dwelling Fire

Dwelling fire insurance is coverage for building only. Inside contents can be endorsed if needed. These types of policies are usually for property you own and rent out to tenants.

Vacant Property

In todays economy many homes are being left vacant. Vacant homes do no have the same coverage's as an occupied dwelling. We offer specific policies for vacant homes.

Commercial Insurance

Business insurance for small independent contractors, home based business, condominium associations and offices that need to make sure their liabilities and assets are properly insured. we also specialize in restaurant, garages and car dealers.

Flood Insurance

Flood Insurance is a separate policy. Flood insurance is never covered under any standard homeowners policy.

Factors that affect the price of a car insurance policy

Auto insurance policies aren't based on what will earn insurance companies the most profit. They're actually based on a complex formula derived from risk factors. The risk factors include age, number of moving tickets, gender, marital status, location, how often you drive your vehicle, insurance scoring and even your education level.

Age and Automobile Insurance

Younger drivers pay more for auto insurance than older drivers because they are not as experienced. Decisions based on the age factor are derived from statistics that say younger people get into auto accidents more frequently due to recklessness, drinking and non-observance. Car crashes are the #1 factor of death in the US, and teen drivers are three times more likely to be involved in a fatal car crash.

Gender and Automobile Insurance

Since car insurance policies are based on what the stats say, gender is also a contributing factor. The statistics say that men are more likely to be aggressive behind the wheel, and to exhibit riskier driving behaviors, irregardless of how careful a particular person is or what his driving record might be. The good news is that the insurance rates for men tend to be about the same to that of a women over the age of 30, across the board.

Other Factors

Many other factors can affect your insurance rate, such as accident history, location, moving vehicle tickets, and even marital status.

What it comes down to is that while many of the determining factors are out of your control, other factors can help you positively, such as the type of car you drive, your driving record, and they number of people on your policy. It is recommended to keep these factors in mind when evaluating how to get the best price on your car insurance policy.

State Minimum Coverage Requirements

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Auto Policy Coverages

Your personal auto policy may include up to 8 coverage's with only 2 of these being required by the State of Ohio to be legal to operate a vehicle. Each coverage carries a separate price.

  • - Bodily Injury Liability
  • - Medical Payments or Personal Injury Protection (PIP)
  • - Property Damage Liability
  • - Uninsured /Underinsured Motorist Coverage
  • - Other Than Collision (Comprehensive)
  • - Collision
  • - Uninsured/Underinsured Property Damage
  • - Miscellaneous Coverages

Bodily Injury Liability: This coverage applies to injuries that you, the designated driver or policyholder cause to someone else. It is very important to carry high enough liability limits to cover your current and future assets should should you be involved in a serious accident. We write limits ranging from $12,500/$25,000 up to $1,000,000.

*This is a state required coverage - minimum limits are $12,500/$25,000.*

Medical Payments (PIP): Med pay covers the treatment of injuries to the driver and passengers of the policyholder's vehicle. This coverage usually pays after the insured's major medical insurance.

Property Damage Liability: This coverage pays for damage you (or someone driving your vehicle with your permission) may cause to someone else's property.

*This is a state required coverage - minimum limits are $7,500

Uninsured/Underinsured Motorist Coverage: This coverage protects you, a member of your family, or a designated driver if you are hit by an uninsured (no insurance) or underinsured (insufficient insurance) driver. This coverage will also protect you if you are hit as a pedestrian.

Other Than Collision (Comprehensive): This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another vehicle or object. Example - Fire, windstorm, contact with animals, cracked windshield, etc.

*This coverage is subject to a deductible.

Collision: This coverage pays for damage to your car resulting from collision with another vehicle.

*This coverage is subject to a deductible

Uninsured/Underinsured Property Damage: This coverage protects you if your vehicle is damaged in an accident caused by a driver with no insurance and you do not carry collision coverage on your vehicle.

Miscellaneous Coverages: Towing and Rental, GAP coverage.

Broz Insurance Agency

  • 3900 Harrison Ave
  • Cincinnati, OH 45211
  • Phone: 513.662.5112
  • Hours: M-F 8:30 to 5:00 or by appointment

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    Please be advised that no policy can be changed or any coverages bound by e-mail, voicemail, or fax. Please contact our office during business hours.