At Four Point Insurance Agency, our personal insurance products provide our customers with protection for their Ohio Home and Auto Insurance; and Personal Insurance and personal possessions, along with personal liability coverages.
How we serve you is as important as what we provide. First, we listen to you, then we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective.
We offer the following types of personal insurance protection:
Type of Insurance We Offer:
An entity which provides insurance is known as an insurer, an insurance company, an insurance carrier or an underwriter. A person or entity who buys insurance is known as a policyholder. While a person or entity covered under the policy is called an insured. Policyholder and insured are often used as but are not necessarily synonyms. Coverage can sometimes extend to additional insureds who did not buy the insurance.
The insurance transaction involves the policyholder assuming a guaranteed, known, and relatively small loss in the form of a payment to the insurer (a premium) in exchange for the insurer’s promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms. Furthermore, it usually involves something in which the insured has an insurable interest established by ownership, possession, or pre-existing relationship.