Established in 1956, Verne Hart Insurance Agency is a team of licensed agents committed to building relationships with clients and community. With expertise in Auto, Home, Commercial Business, Life and Farm Insurance, VHI partners with many insurance companies to provide you with the best coverage and rate. While we understand that price is important, we also know the value of having proper coverage. Price is important when you buy it and coverage is important when you need it. We want you to have the best of both.
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Auto Insurance
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Ohio has had a financial responsibility law since 1953, but strict laws were enacted in October of 1995. The law requires law enforcement officials to verify proof of financial responsibility when a motorist is stopped for any moving violation, accident or vehicle safety inspection. Insurance companies are required to provide their policy holders with cards which suffice as proof of financial responsibility. Other discounts can also factor into your premium calculation. Ohio ranks as one of the 10 most inexpensive states in auto insurance.
Business Insurance
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As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
Farm Insurance
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While farms need the standard types of insurance policies that other businesses need, such as property insurance and general liability coverage, they also need insurance that is specifically related to the business they run. Livestock insurance is a multifaceted type of coverage with several different policy options.
Homeowners Insurance
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If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it. If a guest in your home is injured, liability protection and medical coverage help pay expenses. If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
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