Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner in Milford, OH
Founded in 1966, Lovins Insurance has built a legacy of trust and expertise in the insurance industry. Originally established as Tri-County Insurance by Charles Edward Lovins, the agency evolved into C. Edward Lovins Insurance Agency Inc. before becoming the Lovins Insurance known today. With over five decades of service, the agency has maintained its commitment to personalized attention, ethical practices, and comprehensive coverage solutions. Our team of licensed professionals brings decades of combined experience in Property and Casualty Insurance, ensuring clients receive tailored advice and competitive rates.We pride ourselves on long-term client relationships, demonstrated by our low staff turnover and dedication to exceeding expectations through transparent communication and local market knowledge. As an independent agency, we represent multiple carriers to provide customized policies for both personal and commercial needs, from standard home and auto coverage to specialized protection for farms, collectibles, and cyber liability.
Services
Personal Auto
Homeowners
Commercial Umbrella
Workers' Compensation
Flood Insurance
Cyber Liability
Farm Insurance
Rental Property
Motorcycle
RV/Motorhome
Details
- Year established: 1966
Highlights and features
- We offer 24/7 emergency claims support through multiple carriers.
- Our team has decades of combined experience in Property and Casualty Insurance.
- We provide personalized policy reviews at every renewal to ensure competitive rates.
- Our low staff turnover ensures consistent, familiar service over time.
- We represent multiple insurance carriers to find the best fit for each client.
Associations and certifications
- Property and Casualty Insurance License
What people say
Personalized attention
Honest answers
Local expertise
Exceeding expectations
Competitive rates
Services
Personal Auto Insurance
We provide comprehensive personal auto insurance solutions tailored to individual driving needs. Our policies cover liability, collision, and comprehensive protection while offering specialized coverage for classic cars, motorcycles, and high-value vehicles. Our team helps clients understand coverage limits and select appropriate protection to safeguard their assets against accidents, theft, and natural disasters.
Homeowners Insurance
Our homeowners insurance policies protect primary residences, secondary homes, and rental properties against damage from fire, storms, and other covered perils. We offer customizable coverage options including flood insurance, earthquake protection, and personal umbrella policies to provide layered liability protection. Our agents help clients understand policy details and ensure adequate coverage for both property and personal liability.
Commercial Umbrella
We offer commercial umbrella policies that provide additional liability protection beyond standard business insurance limits. These policies cover general liability, professional liability, and employer's liability exposures. Our team helps businesses understand their risk exposure and implement layered protection strategies to safeguard against catastrophic losses from lawsuits or major incidents.
Workers' Compensation
Our workers' compensation insurance solutions protect businesses and employees from costs associated with work-related injuries or illnesses. We provide coverage for medical expenses, lost wages, and legal liabilities while helping employers maintain compliance with state regulations. Our team works with businesses to implement safety programs and manage claims efficiently.
People
Mark Brokamp
President
With over 40 years in insurance, Mark Brokamp brings extensive expertise to Lovins Insurance. A Xavier University graduate, he has specialized in policy analysis and client relations since joining in 1995. His leadership maintains the agency's founding values while adapting to industry changes.
Courtney McClure
Office Manager
Courtney McClure combines problem-solving skills with insurance expertise as Office Manager. With over 15 years of experience, she ensures smooth operations and client satisfaction. Her background includes direct client support and internal process optimization within the insurance industry.
Karylanne Hughes
New Business Specialist
Karylanne Hughes focuses on helping new clients find optimal coverage solutions. Since joining in 2021, she has specialized in comparing policies across carriers to secure competitive rates while maintaining comprehensive protection for personal and business clients.
Jill Havrilla
Account Manager
Jill Havrilla brings over 15 years of Cincinnati-specific insurance knowledge to her role as Account Manager. She specializes in policy maintenance and renewal reviews, ensuring clients maintain appropriate coverage levels while benefiting from competitive pricing through our carrier network.
Kathy Rose
Accounting/IT Manager
Kathy Rose manages financial operations and technology systems with 30+ years of industry experience. Her dual expertise ensures efficient policy administration and technological adaptation while maintaining strict compliance with financial regulations and data security standards.
Questions
How do I get a free insurance quote?
Contact us during business hours via phone or our website to speak with a licensed agent who will assess your needs and provide multiple carrier options.
What payment methods do you accept?
We offer online payments through our carrier partners and phone payments during regular business hours for policy premiums and related services.
How do I file an emergency claim?
For urgent claims, contact your specific carrier's 24-hour emergency line or reach out to our office during business hours for assistance with the claims process.
What types of business insurance do you offer?
We provide general liability, property insurance, workers' compensation, cyber liability, and specialized coverage for contractors, restaurants, and professional services.
Reviews (6)
Jeff Murden
Jun 04, 2022
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I've been with my agent, Lynn Durban, for 38 years. I have always received excellent, personalized service from her and her team at Lovins.
Duke McGonegle
Mar 19, 2022
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Over many years of coverage I had to submit just 1 claim. Lovins Insurance Agency handled it in an extremely satisfying manner. I also appreciated the fact that my annual premiums increased very little. Additionally, each time I spoke with a rep they were pleasant and seemed to really care. All in all a very fine company to do business with.
Brenda Wininger
Oct 24, 2021
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She is so knowledgeable in all aspects of the insurance world. She works hard for her customers and is a great insurance agent! I am so glad that she represents me.
Nia Glover
Aug 31, 2021
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I was referred through one of their current clients. Very impressed with the response time and professionalism. I would highly recommend!
Lane Byrum
Jul 27, 2021
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Lovins has treated our family right for years. Ruth Senters has been the most wonderful agent to have. So thankful she's helped us through moves and adding/subtracting of vehicles. Ruth - you are a rockstar!
Matthew Durban
Jul 23, 2021
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I wouldn't go anywhere else. They take care of all of my needs very quickly and are very responsive to any questions, claims, situations that arise.
