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Block Insurance
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!
Block Risky Situations with Secure Solutions
Providing a variety of personal insurance and business insurance solutions is what Block Insurance does best.
Personal Insurance
Trusted advice and insurance solutions to protect what matters most.
Business Insurance
Coverage and risk management solutions for companies of all sizes.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
Find Out How
We represent multiple insurance companies.
We are licensed insurance advisors.
We offer a wide variety of insurance solutions.
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
“Small town agency with big-time service! All the team members at Block are great to deal with and come highly recommended!”
Adam M. Rammel
“I love the low maintenance style of working with your company. We have been satisfied with your services from day one, over 18 years ago.”
N.H. Wrier
“Always professional service, starting with a prompt and friendly greeting.”
Todd Nance
Interactive Graphic
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Bodily Injury Liability Coverage
Risk Factor
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.
Solution
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.
Property Damage Coverage
Risk Factor
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.
Solution
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Risk Factor
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.
Solution
Medical payments coverage can help cover all 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.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
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.
Physical Damage Coverage
Risk Factor
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.
Solution
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.
Transportation Expenses / Rental Coverage
Risk Factor
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.
Solution
Transportation expenses/rental coverage 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.
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