Get Your Insurance Quote
As an independent agency, we are here to help you find the right coverage.
Proudly serving our Ohio community since 1945.
At Block Insurance, our business is all about you—the customer. Whether you stop by one of our offices in Waynesfield, OH, or Wapakoneta, OH, or prefer working with us virtually, we’ll help you find the secure coverage you need to feel protected daily. We get to know each of our customers to ensure we provide you a sense of security for yourself, your family, and your business.
As an independent insurance agency, we work on your side when you have a loss and follow through to see that you receive fair, prompt service and payment. By representing top-notch insurance companies with a great reputation, you can feel safe with the policy and company you choose. Read more about us!
Our Big Block Beliefs
The standards by which we conduct our business.
The best interest of our clients is ultimately in our best interest.
The principle of truth is the foundation of our actions.
We believe in education and product knowledge for all agency staff.
Being responsible citizens assures continued growth and support to our community.
Best Insurance Agency in Wapakoneta
Real clients. Real reviews. Real coverage.
“Block Insurance is clearly interested; not just in doing business, but in helping small businesses become more informed, safer, and better prepared for anything that might come their way.”
– Lauren Sacks
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Medical payments coverage can help cover reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Auto Insurance 101
Make sure you cover the unique risks you face with auto insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.