Your trusted advisor. Whether that means ensuring that your auto and homeowners insurance policy match your personal needs and goals, or if it's helping to customizing a retirement plan that assists you in meeting your long-term and short-term desires. Or even ensuring that our family will be okay after an un-expected event. We are here to help. You know what it takes to make your business run.
But do you know what it will take to make sure it keeps running in the case of an unexpected occurrence? Is your business just one unexpected event away from shutting its doors? Let us help you find the right policy for your business. As a homeowner, are you responsible for the damage caused by a tree on your property that hits your neighbor's home or other insured structure, such as a garage or shed?
In most cases, the answer is "no." When such damage occurs to your neighbor's home due to forces outside your control, e.g., weather events, your neighbors may have to file a claim with their insurer to receive a reimbursement for the damage a down tree or branches cause.
But do you know what it will take to make sure it keeps running in the case of an unexpected occurrence? Is your business just one unexpected event away from shutting its doors? Let us help you find the right policy for your business. As a homeowner, are you responsible for the damage caused by a tree on your property that hits your neighbor's home or other insured structure, such as a garage or shed?
In most cases, the answer is "no." When such damage occurs to your neighbor's home due to forces outside your control, e.g., weather events, your neighbors may have to file a claim with their insurer to receive a reimbursement for the damage a down tree or branches cause.
Services
Owner Terry Garner is a native of Lancaster, Ohio and began his insurance career in 1982.
Terry spent many years in management with Commonwealth Insurance and Western Southern before returning to his passion of working directly with customers specifically, focusing on their life insurance and annuity needs.
Garner Insurance is an independent agency which offers a wide variety of insurance companies and all lines of property and casualty insurance, small commercial, life insurance and annuities.
Terry spent many years in management with Commonwealth Insurance and Western Southern before returning to his passion of working directly with customers specifically, focusing on their life insurance and annuity needs.
Garner Insurance is an independent agency which offers a wide variety of insurance companies and all lines of property and casualty insurance, small commercial, life insurance and annuities.
Our mission is to get to know and understand your needs, wants, and long-term goals.
We want to help you develop, implement, and monitor a strategy that's designed to address your unique situation.
The world can be an unpredictable place.
Our commitment is to utilize all our resources to help you pursue your goals and help you keep those who matter most, safe.
All our energy, commitment, and efforts are focused on you, the client, and your satisfaction.
We want to help you develop, implement, and monitor a strategy that's designed to address your unique situation.
The world can be an unpredictable place.
Our commitment is to utilize all our resources to help you pursue your goals and help you keep those who matter most, safe.
All our energy, commitment, and efforts are focused on you, the client, and your satisfaction.
As insurance professionals, we are committed to helping people just like you find solutions for all your insurance needs.
Once we understand your policy needs and goals, we'll work to develop a program tailored to you.
Today's environment can bring concerns, and even, dangers.
That's why we work closely with our clients to anticipate these challenges and address them before they happen.
Knowledge is power.
It's also the foundation for intelligent, well-considered decisions.
When you have questions about which insurance policies are right for you, sound decisions are vital in helping you pursue your goals and protect your future.
Once we understand your policy needs and goals, we'll work to develop a program tailored to you.
Today's environment can bring concerns, and even, dangers.
That's why we work closely with our clients to anticipate these challenges and address them before they happen.
Knowledge is power.
It's also the foundation for intelligent, well-considered decisions.
When you have questions about which insurance policies are right for you, sound decisions are vital in helping you pursue your goals and protect your future.
Did you know that the information you give to your insurance agent can drastically effect the way your coverage should be written, and in some cases could even have an impact on whether you have coverage in the event of an accident.
For instance, did you know that if your vehicle is ever used to transport people or goods for a fee a typical auto insurance policy may not cover your vehicle?
This means if you are a delivery driver, or even drive occasionally for Uber or Lyft or some such service, a claim may be denied for your auto policy.
For instance, did you know that if your vehicle is ever used to transport people or goods for a fee a typical auto insurance policy may not cover your vehicle?
This means if you are a delivery driver, or even drive occasionally for Uber or Lyft or some such service, a claim may be denied for your auto policy.
These questions are crucial to address because major insurance carriers hold on new clients after a disaster strikes.
Home insurance covers the hazards that most homeowners face.
When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.
Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible.
Home insurance covers the hazards that most homeowners face.
When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.
Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible.
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