Independent Insurance Agency Serving Columbus, OH

Ohio is an at-fault state. The driver who causes an accident is responsible for the other party's property damage and medical expenses through their liability coverage. Ohio does not use a no-fault system. Because Ohio does not require uninsured motorist coverage, drivers who skip it face real risk: approximately 13 percent of Ohio drivers are estimated to be uninsured. We recommend UM/UIM coverage for all Columbus-area drivers.

Columbus homeowners insurance costs vary by home age, construction type, roof condition, coverage limits, and carrier. Central Ohio's severe thunderstorm season, including hail and wind events, affects rates for older homes. With Columbus home values rising significantly in recent years, many homeowners are underinsured relative to current replacement costs. As an independent broker we compare 30 plus carriers to find the most competitive rate for your specific property.

Auto insurance rates in Columbus vary based on driving record, vehicle, coverage level, ZIP code, and carrier. Columbus-area rates can vary significantly between urban and suburban ZIP codes. As an independent broker we compare rates from 30 plus carriers including Erie, Travelers, and Progressive to find the most competitive option for your specific profile.

Central Ohio experiences severe thunderstorms, straight-line wind events, hail, and occasional tornadoes. Ice storms in winter can cause significant roof and tree damage. Standard homeowners insurance generally covers wind, hail, and ice damage, but your dwelling coverage limit must be adequate to cover full replacement cost. We review your replacement cost coverage during every home insurance quote for Columbus and central Ohio clients.

Most Columbus small businesses need at minimum a General Liability policy. Many benefit from a Business Owner's Policy (BOP), which bundles general liability and commercial property at a lower combined cost. Ohio requires workers compensation for most private employers with one or more employees (Ohio Revised Code Section 4123.01). Service businesses should also consider Professional Liability. We identify the right combination for your industry.

Yes. Renters insurance covers your personal belongings against theft, fire, windstorm, hail, and other covered perils, provides liability protection if someone is injured in your rental, and includes loss-of-use coverage if your unit becomes uninhabitable. The building structure is your landlord's responsibility. Columbus renters insurance typically costs $12 to $22 per month depending on coverage limits.

Yes. Dragon Insurance is licensed in Ohio and serves clients throughout the Columbus metro including Dublin, Westerville, Hilliard, Grove City, Gahanna, Upper Arlington, and Pickerington. We handle all quotes by phone and online, with no office visit required. Call 717-229-5115 or request a quote online to get started.