Personal Insurance
The house, the cars, the boat, the people in them, and everything you have built behind all of it.
Most households are covered by habit rather than by decision.
A policy gets bought once, renews quietly for a decade, and quietly stops matching the house, the cars and the assets behind them. What changes is rarely the premium. It is the limit, the deductible and the endorsement that was never added.
As an independent agency we are not tied to one carrier's appetite, so the question we start with is what you actually need to protect rather than which product we happen to sell.
Personal Coverage
What we place for households
Grouped by what it protects. Each one is a separate contract with its own decisions behind it.
16 in total.
Home & Property
- 01 Home Insurance The dwelling, everything in it, and your liability as the owner
- 02 Condo Insurance The unit-owner policy that starts where the association master policy stops
- 03 Renters Insurance Belongings, liability and living expenses when the building is not yours
- 04 Mobile Home Insurance A separate form and separate rating for manufactured housing
- 05 Flood Insurance The peril every homeowners policy in the country excludes
Vehicles & Recreation
- 06 Auto Insurance Liability, collision, comprehensive and the coverages people skip
- 07 Classic Car Insurance Agreed value and limited-use rating for a collector vehicle
- 08 Motorcycle Insurance A separate policy, separate licensing and real gear exposure
- 09 RV Insurance Motorhomes and travel trailers, including full-time use
- 10 Off-Road & Recreational Vehicle Insurance ATVs, UTVs, snowmobiles, dirt bikes and golf carts
- 11 Boat & Watercraft Insurance Hull, liability and the risks a homeowners policy will not carry
Life, Liability & Specialty
- 12 Umbrella Insurance Liability limit above the home and auto policies underneath it
- 13 Life Insurance Term, whole and universal, and how to size the benefit
- 14 High Net Worth Insurance A different contract and a different carrier panel, not higher limits
- 15 Pet Insurance Veterinary cost cover for the household member the other policies ignore
- 16 Event & Special Event Insurance Liability and cancellation for weddings, parties and one-off events
Let's put the right policy in place.
Oxford Risk LLC is an independent agency. We represent you rather than a single carrier, which means we can place your coverage with the company whose appetite actually fits your risk. Tell us what you need to protect and an advisor will take it from there.
- Call (330) 315-3081
- Hours Monday - Friday: 8:00 AM - 4:00 PM
- Offices Fairlawn, OH, Cranberry Township, PA, Columbus, OH, Livonia, MI