Work With a Reliable Team of Insurance Brokers
WHEN THEY COMPETE, YOU WIN.
LET'S GO TO WORK FOR YOU
OUR EXPERT AGENTS CAN GIVE YOU PEACE OF MIND AND A COMPETITIVE ADVANTAGE.
We know our way around the insurance world and will work hard to get you every discount you deserve, yet conduct every review necessary to keep you properly covered.
Life is full of surprises.
Your coverage should not be one of them.
WHERE WE STAND WE WORK FOR YOU, "THE CLIENT"
We as an agency and a group of insurance advisers are committed to the independent channel approach to best serve our clients' needs, allowing them choices on coverage and on price as well.
In today's world, insurance companies occasionally change coverage, rates, or even presence in certain states altogether, to stay competitive.
Our commitment to you is to keep your trust by offering you choices on top-rated companies that will be able to compete while providing you value and peace of mind. You can change insurance companies without having to change your agent.
PROGRESSIVE AUTHORIZED AGENT
WE REPRESENT PROGRESSIVE INSURANCE
Gus Badra Agency is proud to represent Progressive Insurance as a Progressive Authorized Agent with Platinum status.
We offer the following Progressive Insurance products in Ohio and Michigan
(Local service areas include: Toledo, OH - Sylvania, OH - Temperance, MI)
WHAT DOES HOMEOWNERS INSURANCE COVER?
Homeowners insurance covers so much more than just your house. Homeowners also covers other structures on your property (barn, shed, fence), your belongings (furniture, clothes, and electronics), lawsuits, and even temporary living expenses during home repairs. And yes, these coverages come standard at no extra cost. Just get a homeowners insurance quote, and you can see all your coverages.
These are the basic progressive home insurance coverages and come standard in your homeowners’ policy.
Covers damage to your house and attachments
Dwelling coverage pays for damage to your house and anything permanently attached to it, including your garage, roof, chimneys, attached deck, countertops, cabinets, flooring, vanities, etc.
Example: A pipe in your kitchen bursts and water damages your walls, cabinets, countertops, appliances, and hardwood floors. This then pays to repair or replace what's damaged and water removal.
Covers structures not permanently attached to your house
Other structures coverage includes unattached garages, gazebos, decks, patios, sheds, pergolas, fences, driveways, etc.
Example: During a windstorm, a tree falls and damages your shed, fence, deck, and pool. This then pays to repair or replace the structures that were damaged and tree removal.
Covers your belongings if they're stolen or damaged
Personal possessions covers just about all of your stuff if it's damaged or stolen. This can include electronics, furniture, clothes, tools/power equipment, and more. Your items are even covered if they're not stored in your home (sheds, garages, your car, storage facilities, etc.).
Example: Someone breaks into your car and steals your phone, clothes, and camping equipment. You'll then get payment for those items, but there may be limitations on some of them.
Jewelry, art, memorabilia, computers, and other expensive items: Certain limits may apply to your more expensive items, but don't worry, you can get additional coverage for jewelry and other expensive items. Just complete your quote, and we'll guide you through adding the right coverage as you're buying. Plus, we have licensed home insurance agents available to help.
Loss of use
Covers temporary living expenses
You'll never be left homeless. If your home is damaged from a covered loss (meaning something insurance pays for) and you can't stay there, loss of use covers hotel, rent, and food expenses above what you'd normally pay.
Example: There's a fire in your home, and you can't stay there for two weeks. If you spend $1,000 eating out, loss of use will cover that food bill beyond what you normally spend, and your rent/hotel expenses. Make sure you keep your receipts.
Covers lawsuits against you
If someone sues you or a family member you live with (for injuries or damage to their property), personal liability will pay for your lawyer, court fees, and certain damages you have to pay, subject to your policy.
Example: A delivery person slips and falls at your house and sues you for their medical bills, lost wages, and damaged merchandise. Or, your child spray paints your neighbor's garage, and they sue you. Personal liability covers all of those instances.
Covers injuries on your property
Medical payments coverage pays for medical bills if someone else is hurt at your home or on your property.
Example: Your child's friend breaks her arm at your house, and their parents ask you to pay the medical bill. Medical payments then covers medical costs.
You can add any of these coverages to customize your policy based on your needs.
Covers water damage from backed-up sump pumps and sewer systems
Some homes have sump pumps in their basements/crawl spaces, which are designed to pump water out from underneath and around your foundation. Sometimes sump pumps or plumbing/sewer systems get backed up. Water can then flood into your house, causing an expensive mess. Water back-up coverage will then pay for damage to your belongings and water removal.
Example: Your sump pump breaks down, and water/sewage floods back into your basement, damaging your carpet, furniture, billiards table, washer, and dryer. Water back-up then pays for the sewage removal and that damage to your property.
Covers uncommon but expensive lawsuits and situations
Personal injury covers your legal fees and additional damages from:
Slander or libel lawsuits (something you say/write that damages a person's reputation or business)
Lawsuits against you such as wrongful entry or malicious prosecution
False arrest, detention, or imprisonment
Example: Your teenage child damages their teacher's reputation by posting something online. So the teacher decides to sue you. Personal injury will then cover your lawyer, court fees, and any damages you have to pay, subject to your policy.
NATIONWIDE INSURANCE APPOINTED AGENCY
PERSONAL INSURANCE COVERAGE OPTIONS
OUR NATIONWIDE EXPERT AGENTS CAN HELP WITH PERSONAL INSURANCE PROTECTION
FOR YOUR HOME YOUR RIDE & LIFE’S MANY SIDES
BUSINESS COVERAGE FROM NATIONWIDE INSURANCE
OUR NATIONWIDE EXPERT AGENTS CAN HELP WITH COMMERCIAL INSURANCE PROTECTION
Protect Your Business from the Unexpected
We offer specific coverage to help protect your business so that you can focus on growing your business.
Business Owners Policy
A business owner’s policy (BOP) is a customized package that includes property insurance, liability insurance, crime coverage, and more into a convenient package for small businesses.
Business Liability Insurance
Liability insurance protects you, your employees, and customers if accidents happen.
Commercial Property Insurance
Property helps protect your inventory, building, furniture, and equipment whether you own, lease, or work from home.
Auto covers injuries and damages that you or employees may cause to other people and their property while driving.