Why do I Need Auto Insurance?

In the State of Ohio, on every titled and tagged automobile you are required to carry a liability policy with minimum limits of no less than $25,000 per person, $50,000 per accident, and a $25,000 property damage limit.

In the State of Kentucky, on every titled and tagged automobile you are required to carry a liability policy with minimum limits of no less than $25,000 person, $50, 000 per accident, $10,000 property damage limit. You are also required to carry $10,000 of personal injury protection, due to Kentucky being a non fault state.

Are you

Storing a Car for the winter? Are you covered properly?
Carrying too much coverage on your older model vehicle?
Currently carrying both your auto and home with the same carrier? Why not?

Do You

Have a young driver in the household? Are they listed and rated properly?
Own any recreational vehicles (campers, motor home, motorcycle)? Check out our pages for those.
Know you can save money with a higher deductible?

We can help you find the best coverage options for your personal needs If you need any help with the above questions - call us at 513-527-2200. Or view the FAQ’s below.

“Hometown Insurance Partners continues to provide the exemplary customer service that was provided prior to its formation after the retirement of Tracy’s father. It was a natural process for Tawnia and Tracy to form their own agency and continue to provide professional insurance services.
Both Tawnia and Tracy respond promptly when I need to make a change to either my Home or Auto policy, and it is done correctly the first time.
I highly recommend giving them a call for your insurance needs.”

— Tony L.

Auto Insurance FAQ’s

Question #1

What is an insurance deductible?

An insurance deductible is the amount of money you are required to pay after an accident before your insurance company pays the balance.

Question #2

If I’m driving someone else’s car and get in an accident, whose insurance do I use?

You will use their auto insurance. Any left over cost will be covered by your insurance