Motor Vehicle

• Auto Insurance
  The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered events. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
• Motorcycle Insurance
  Your motorcycle insurance can include any or all of the options below. We can discuss with you which options you’d like included in your policy.
• Boat Insurance
  If you are looking to find a boat insurance policy that protects you, your friends and family, your watercraft, and your boating equipment, we can help. The average boat costs less than a dollar a day to insure.
• Inland Marine Insurance

Property

• Renters Insurance
  Your renter’s policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.
• Home Insurance
  Since standard homeowners insurance doesn’t cover flooding, it’s important to have protection from the floods associated with hurricanes, tropical storms, heavy rains, and other conditions that impact the U.S.
• Condo Insurance
  Your condo insurance policy covers your personal property and liability, as well as any additions, alterations, and improvements you make to your unit that are your responsibility based on the condo association agreement.
• Landlord Insurance
  A rental property is a great investment, especially if you protect your assets with excellent coverage. Make sure that you and your property are covered when choosing a landlord protection insurance policy.

Health and Life

• Life Insurance
  Erhart–Stechschulte Insurance was established by Thomas Erhart in 1953 in Kalida, Ohio. The third-generation agency offers personal and commercial insurance as well as life insurance. As an independent agency, we help people across the state find affordable and reliable insurance through a variety of trusted carriers. Because we can choose from different carriers we can find the perfect combination of coverage and price to fit your needs. We do the shopping and comparing to save you time and money!
• Health Insurance
  A healthy body is a happy body, and there’s no better way to preserve you and your family’s health than with a health insurance policy from Erhart-Stechschulte Insurance, Inc. Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life.
• Long Term Care

Business

• Business Insurance
  As a business owner, you strive to make decisions that are right for your business, your employees, and yourself. This includes decisions about business insurance. It’s important to have the right kind of coverage for your business. But navigating the world of business insurance is tricky and you don’t have the time to run your business and research your coverage options.
• Commercial Property Insurance
  A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, Erhart-Stechschulte Insurance, Inc. can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this product, contact us today.
• Workers Compensation Insurance
  Coverage for office workers using their own vehicles on company business is often needed, as well. If you have employees, it is critical that you consider this workers compensation coverage.
• Commercial Liability Insurance
  General liability, also known as “commercial liability insurance†is a broad commercial insurance policy that covers general liability exposures of a business.
• Professional Liability Insurance
  Errors and omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Erhart-Stechschulte Insurance, Inc. recommends that all professional and technology companies have E&O coverage.

Personal

• Liability Insurance
  To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

Natural Disaster

• Flood Insurance
  In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.
• Earthquake Insurance
  Earthquake insurance provides coverage if your home is damaged by an earthquake. Standard homeowner and renters policies will not cover earthquake damage. Earthquake insurance is a separate endorsement you must buy and add to your homeowner or renters policy.