Our Blog

March 11, 2022

What Makes Openly Home Insurance Unique

The world is changing rapidly and so are people’s needs when it comes to property insurance. More people than ever before have specific needs for their home and they need clear and simple answers when it comes to coverage. Openly recognizes that.

By using cutting edge technology, Openly is able to streamline and simplify the process for customers. Their unique process makes it possible for customers to find competitive coverage that is inclusive of their diverse needs.

Openly is a premiere option for middle and high-net-worth properties of many kinds. They will cover primary, secondary and seasonal homes. Additionally, they work to provide quality coverage for people that use Airbnb, VRBO and other home sharing platforms to rent their space to others.

Their customizable policies will also cover other unique features, such as pools and trampolines. Dog owners will be happy to hear that unlike many competitors, Openly covers homes with all types of dogs and does not discriminate based on the breed of your pet.

No matter what unique needs you have, Openly will provide streamlined and premium coverage to protect what matters to you most. Their policies are highly customizable and allow customers to exclude coverages that they do not need. Openly uses data and technology to provide a fresh, updated and modern approach to property insurance. To learn more about how Openly might fit your needs, please contact the Howell Insurance Agency at 440-943-7000.


June 11, 2021

Cyber Liability Insurance

Click on the images below to learn about Cyber Liability Insurance and why you may need this coverage.


April 26, 2021

7 Reasons Why You Should Choose Progressive for your Motorcycle

Whether you ride a Harley, a Ducati, or a Yamaha, one thing is the same. You need coverage before you take that motorcycle out on the open road. Here are seven reasons why Progressive motorcycle coverage might be right for you.

  1. You’ll reap rewards for safe driving and watch deductibles disappear.
    Are you an experienced driver? Do you have a great driving record? With Progressive, your excellent track record will earn you rewards and better rates. Want to go a step further? Drivers that complete a safety course can save even more cash. Better yet, every year you go without any claims, your deductible will decrease until it actually disappears.
  2. Your accessories will be covered.
    Progressive motorcycle policies automatically cover at least $3,000 of accessories. That means if you modify your bike or invest in safety gear or apparel, you’ll be covered no matter which policy you choose. Do you have a bike with extensive modifications and custom components? Riders that need more coverage can purchase up to $30,000 in accessory coverage.
  3. Your bike will be returned to pre-accident condition or better.
    A policy with Progressive will allow you to replace parts at their original cost. Even if your high mileage motorcycle has depreciated in value, Progressive will replace the parts based on what they were worth when they were brand new. You will be back on the road in no time and your bike might even be running better than before.
  4. Your belongings will be protected in the event of vandalism or theft.
    A lot of riders know they need insurance in case of a collision, but what if your gear is stolen or damaged? With a Progressive policy, you can protect any carried content up to $3,000. That means if you commute to work and carry your laptop in your saddlebags, your computer will be covered. Likewise, if you travel with an expensive GPS, tools, and raingear, you will also benefit from a policy with Progressive.
  5. You’ll make it back home without a hitch if your trip is interrupted.
    Want to do some longer road trips, but you worry about being stranded in the event of a breakdown? A policy with Progressive can provide you with some peace of mind. Progressive will provide 24/7 assistance for riders that breakdown or run out of gas. Additionally, if you’re more than 100 miles from home and you need to stay in a hotel, purchase meals, or arrange alternative transportation, trip interruption coverage will cover up to $500 of these costs per occurrence.
  6. Your new vehicle can be replaced at the MSRP.
    We all know that most vehicles depreciate in value the second you drive them off the dealer’s lot. In fact, the average motorcycle depreciates by about 12% during the first year of ownership. Luckily, with Progressive Total Loss Coverage, you can protect your new motorcycle at the original cost for up to three years.
  7. We can perfectly tailor your policy to include discounts for your unique situation.
    Want to take advantage of the great rates provided by Progressive, but you don’t know where to start? Make sure you maximize your savings by contacting the Howell Insurance Agency for a personalized quote today. We can help you navigate your motorcycle policy and make sure your coverage is perfectly tailored to fit your specific needs. Don’t miss out on a chance to make sure your policy has the coverage you need and includes the discounts you want.

March 31, 2021

Telemetrics Are Like Car Nannies?

Telemetrics is a system used to collect information about your driving. Information is collected regarding your mileage and driving habits. Most often, these programs operate through an app on your phone, but sometimes you may install a device on your vehicle.

Insurers use the data to offer potential saving on your insurance premiums and in some cases, provide driving feedback or safe driving awards. Each of our companies offer a unique program for their insureds.

Auto Owners
The Auto-Owners program, True Ride, uses an app that you install on your phone. Information on each trip is collected and a feedback score is provided for the following categories: total mileage driven, time of day, smoothness, and roads. Hard braking, harsh acceleration, and high speeds are recorded as well. You receive general feedback in terms of a driving score based on a point system.

Snapshot Rewards You for Good Driving

State Auto
What are the benefits of State Auto Safety 360?

How Telematics can help you save on Auto Insurance | Safeco Blog