Protecting your Jet Ski & Personal Watercrafts in Ohio

Personal Watercraft...
Our policies provide important standard and optional coverages that are geared toward a number of personal water crafts that may not be available in a conventional auto or homeowners policy.

What Coverages could you need?

For real peace of mind as you travel off the beaten path, you need a policy that provides a wide range of coverages. These should include:

• Collision Coverage
• Other Than Collision Coverage
• Liability Coverage
• Medical Payments Coverage
• Safety Apparel Coverage
• Personal Property
• Towing and Assistance
• Trailer Coverage

Additional Coverages

For extra protection out on the trail, policy offerings vary. Available options:

• Increased limits on Liability
• Optional Equipment Coverage
• Coverage on transport trailers valued up to $7,500

Annual Policy - 

You can enjoy year-round coverage with no lay-up period, so if there's a beautiful day when the trail is calling to you, rest assured that you're covered. No extra phone calls, no hassles!

If you recently purchased a recreational vehicle and would like to learn more about your coverage options, or if you simply want to review your current policy coverages, please contact me at any time.

Joel McKinnon Farmers Insurance 875 Blake Ave SW New Phila, OH 44663(Driving Directions) Phone: (330) 339-3431 Fax: (330) 339-3478 http://www.farmersagent.com/jmckinnon Connect with Me:

Will you be a "Hero" if something happens to you?

Most of our children think of us, the parent, as their "hero."  Without question they know we will provide for them, take care of them, and a lay a foundation for their future.  They know we will put clothes on their back, and food on their table.  They know we will take them on summer vacations, and weekend get away's.  They know we will buy them new backpacks for school, and hopefully a car when they turn sixteen.  But what happens if we are no longer around?  What happens if we suddenly pass away?  Who will take care of our children?  Financially who will provide for them?

As an insurance professional it is my job, it is my PASSION to make sure our clients, and their futures are properly protected.  To many times we as parents let the hustle of life get in the way or making sure our families & their futures are protected.  To many times we over look the importance of life insurance.....

As you sit there and read this, I would ask you to take a moment, and ask your self these question -

• "If I am no longer here, if I can no longer physically provide for my family financially who will?" 
• "If I do not have life insurance, which family member is going to go into debit to provide for my children?"
• "If I don't have life insurance, what will happen to my children's future?"

Life insurance will not ease the pain of losing a loved one, it will not ease the pain of losing a parent, it will not bring that person back, BUT what it will do is ease the burden we leave behind, it will provide a future for our children, that otherwise may be taken away.  Our kids play "super heroes" all the time dressing up like Batman, Superman, Spiderman, and the list goes on and on.  As much as they think they are a superhero, the fact is if we are no longer around they will need someone to take care of them, they will need someone to provide for them, they will need someone who will give them the ability to keep their dreams alive, they will need someone to be their "hero."

If you passed away today, would you be a "Hero" to your family?  Will you leave behind a legacy that continues to provide for your family years after your gone?  Or will your family struggle?  Will they have to worry about losing their home, will they have to worry about being able to afford food, and clothes?  The choice to be a "hero" for your family is up to you, but we CAN HELP.  We can help to insure your families future, and the legacy you leave behind..............

Joel McKinnon Farmers Insurance 875 Blake Ave SW New Phila, OH 44663(Driving Directions) Phone: (330) 339-3431 Fax: (330) 339-3478 http://www.farmersagent.com/jmckinnon Connect with Me:

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And visit us at www.farmersagent.com/jmckinnon or call at (330) 339-3431 to start speaking with Joel right away.

Joel McKinnon Farmers Insurance 875 Blake Ave SW New Phila, OH 44663(Driving Directions) Phone: (330) 339-3431 Fax: (330) 339-3478 http://www.farmersagent.com/jmckinnon Connect with Me:

Everyone loves Discounts on their Insurance

Ohio Insurance discounts for your car and home

Get multi-line discounts:
If you have Auto, Home and Life¹ insurance with Farmers, you might save on your Car insurance quote and on your Home insurance quote!
Farmers Next Generation^SM Homeowners:
The policy offers coverages you’ll want for your home, flexibility in choosing coverage options, and discounts to stretch your insurance dollar. Alternative Fuel Discount:
First-ever discount for those who drive hybrids and other alternative fuel vehicles. Save on all major coverages.
Contact us to discuss coverages and discounts available in WA.

AUTO INSURANCE DISCOUNTS

• Affinity - Dr, RN, Teachers, Police, Fire Fighter, EMT, and many more
• Auto/Home
• Auto/Renters
• Auto/Mobilehome-Specialty Dwelling
• Auto/Life
• Alternative Fuel
• Distant Student
• Early Shopping
• Electronic Funds Transfer (EFT)
• Good Student
• Mature Driver
• Multi-Car
• New Car Credit
• Paying your insurance in full
• Teen Driver
• Transfer

HOME INSURANCE DISCOUNTS

• Auto Home
• New Home
• Home Life
• Non-Smoker
• Home Renovation
• Protective Devices
• Home Safety

  LANDLORD POLICY

• Home Renovation       

         Be sure to give us a call  to see what discounts we can get for you. 

Joel McKinnon Farmers Insurance 875 Blake Ave SW New Phila, OH 44663(Driving Directions) Phone: (330) 339-3431 Fax: (330) 339-3478 http://www.farmersagent.com/jmckinnon Connect with Me:

Key Person life insurance - Is your business being left "high and dry"

As an insurance professional it is our job to make sure you, our clients have the proper protection you need to protect your family, your assets and your future.  Most generally we as agents do this through providing you with auto, home & business insurance coverages.

That being said there tends to be a "gap" in most of the households & businesses we review.  Of course you have the occasional need to increase dwelling coverage, or auto liability limits but where we see families unprotected time and time again is on the life insurance side of things.  We work our entire life to provide our families with a nice home, nice cars, fun "toys" yet we tend to forget to cover the one thing that allows all of that to happen US.  If your family lost you most generally they would also lose their way of life.  Most of the families we meet with depend on dual incomes to run their lift style, to pay for their bills, and to put food on their tables, yet most don't spend the $20 - $30 a month for life insurance.   Instead we spend that money on cell phones, tablets, coffee, soda, tobacco and other tehcy gadgets that in 6-12 months will generally still hold no value to us, and we will have moved onto something else all while leaving our family open to major issues down the road should you our your spouse die.

As small business owners this also applies to us - Most of us have 1-2 KEY EMPLOYEES in our business that help us to run the day to day operations, heck in some instances they run the business.  As business owners what are you doing to protect the future of your business should something happen to that key employee?  Just as you are a key "employee" to your family providing the cash needed to run that operation, your employees are the key to your business and the future of it.  As business owners we need to make sure we are taking the time to evaluate our position, to make sure we are protecting the future of our business not only against fire, and theft, and liability law suites, but also against the death of a key employee.

This week I came across an article I would like to share with you, and you can get to this article by clicking HERE - but below I would like to share and point out a few key paragraphs.  Please, for your sake take the time to protect your family, and your business should something happen to you or to a key "employee."

• According to a National Association of Insurance Commissioners survey, seven in 10 small businesses reported being "very dependent" on a few key employees, yet only 22 percent of the companies had insurance policies that would deliver money in the event that a key employee died or was disabled
• To be blunt, you are nuts if your business doesn't carry key-person insurance on you or on any other integral member of your team. 
• Every company is different. But if you're healthy, it's probably worth going right to $1 million, because that will require you to go through the burden of a complete health screening, which is a good thing for you and your investors anyway. You can also add in disability coverage. Stick with a guaranteed term policy; the premium doesn't change from year to year.

Joel McKinnon Farmers Insurance 875 Blake Ave SW New Phila, OH 44663(Driving Directions) Phone: (330) 339-3431 Fax: (330) 339-3478 http://www.farmersagent.com/jmckinnon Connect with Me: