Welcome to the Stoner-Johnson Insurance Agency in Toledo, Ohio for your personal and business insurance needs. We have been serving the Toledo, Ohio region and Michigan since 1952.
We offer a complete program of insurance: personal, commercial, life and health coverage.
We are committed to serving our customers with the best service possible. Through experience, education, and training we continue to analyze and identify the sources of risk and address them in the most comprehensive and cost-effective means available. As independent agents, we represent numerous reputable insurance companies while maintaining our customers as our number one priority. Through proper planning together we can make insurance work for you.
We believe insurance needs are best met through a solid relationship with you and agent and company. While the Internet is an excellent resource for information it is difficult to develop a relationship through a web page. We hope you will use our web page as a resource to learn more about insurance and its related industries, and then perhaps you will consider us the next time you are shopping for insurance and give us a call or e-mail.
PERSONAL INSURANCE SERVICES
Auto, home, flood, recreational vehicles, umbrella, life and health insurance.
We not only cover liability and your car, we also perform when it comes to paying claims. We explain the benefits of turning the claim into our company or you paying the claim to continue the best rates available and even prevent a cancellation.
Your home is a huge investment, you have a great deal of money and sweat equity involved with fixing it up and maintaining it. With such a great investment, you need a policy designed for your home. We inspect your home to determine proper values and design a program so we can say yes at claims time. We would much rather be able to tell you yes there is coverage than tell you exclusion applies.
As well as damage to the vehicle you are operating you will be held legally liable for any damages or injuries you cause as a result of you or even your or your children’s usage. We have special companies with great rates on;
•Motorcycles, Scooters (on and off road)
•Antiques, Muscle Cars, Dune Buggies, Golf Carts
•Boats and Jet Skis
•Motor homes, Travel Trailers, Popups
The idea of the umbrella is to provide a layer of liability coverage over your other primary liability policies. Should you be involved in an at fault auto accident and be sued for negligence your underlying policy will step in and provide defense as well as pay up to your policy limit.
However many times the judgment for an injury is higher than your auto liability limit. Without an umbrella policy you are responsible to pay anything above your underlying policy limit. If your underlying policy limit is $100,000 and the injury award is $200,000 you pay the difference if you do not have an umbrella.
The most important part of life insurance is to buy it. There are many different programs available to cover many different needs. Your goal should be to provide cash for your family to pay bills in the event of your death. Who will pay the home mortgage payment, auto payment, college bills, and other continuing expenses?
If you are injured on or off the job and cannot pay your bills, who will? We can help. Most people during their career require medical care and are off work for two weeks or more.
Keeping it simple, even when it really isn’t. Whether you need a simple package that includes property and liability, or if you need professional, bonds we can help.
If you own a small to medium sized business our agency can provide a comprehensive insurance program designed just for your business. First, we will meet for a complete review of your needs. We then look over your operations to be sure all exposures are identified. We will then put together a detailed application to our various companies to provide you recommendations and the best possible coverage with the best possible rates.
We will provide you with a timely quote and if you approve, we can bind coverage the same day. When you become a valued client of Stoner-Johnson we do regular follow-ups to be sure your situation has not changed. We also offer insurance advice and recommendations regarding your specific situation. We have payment plans to assist with your cash flow.
Claims handling is quick and fair. You do not have to call some far off 800 number to report a claim. You can talk directly with our Stoner-Johnson licensed agents here in Toledo.