Auto

Ready to shift your insurance into high gear? Celina Insurance Group’s Personal Auto program is here to meet your needs.

Coverages

	What Does It Cover?	Who Does It Cover?
Liability Coverage	Covers damages for Bodily Injury or Property Damage caused by an accident for which you are legally responsible.	Others and other property.
Medical Payments coverage	Pays medical expenses arising from an automobile accident or from being struck by an automobile, regardless of fault.	You, covered family members and passengers in the vehicle.
Uninsured or Underinsured Motorists Coverage	Insures you for bodily injury resulting from an accident caused by an uninsured or underinsured motorist or a hit-and-run driver.	You, covered family members and passengers in the vehicle.

Discounts

With Celina Insurance Group, you will be rewarded for your achievements. We believe that fiscal responsibility, a good driving record and customer loyalty should be rewarded, and our premiums reflect this.

1. Claim-Free
2. Multi-Policy
3. Longevity
4. Professional
5. Good Student
6. Spin-Off
7. Continuous Insurance
8. Empty Nest
9. Air Bag

Many discounts are available. Contact your local independent agent for a quote.

Optional coverages include:

1. Emergency Roadside Assistance
2. Rental Reimbursement
3. Non-Owned Autos
4. SR-22
5. Driver exclusions available

Motorcycle Coverage

Our motorcycle program is designed to meet all your insurance needs. Along with Liability, Medical Payment, Uninsured or Underinsured Motorist coverage to protect your financial needs, we offer comprehensive and collision coverage to protect your bike. Our program offers "Sunny Day Coverage" that allows for occasional use during the 3-month lay up period. Our "Travel Package" is included, at no additional charge, and we offer optional coverage for accessories, apparel and electronic equipment.

Not all coverages, credits and discounts are available in all states.

Homeowners

A home may be one of the largest investments you will ever make in your lifetime. Let Celina Insurance Group make sure it is properly protected.

You are not a carbon copy of your neighbor. So it makes sense to have an insurance policy catered toward your unique needs. A Celina Insurance Group agent can walk you through all coverages and recommend a plan to fit your situation.

Dwelling

We offer comprehensive coverage for your home, including attached structures, at replacement cost value.

Our dwelling coverage also includes:

1. Other structures on your property such as a garage, tool shed or gazebo (not attached to dwelling).
2. Additional living expenses. If your home is damaged by a covered peril, you are eligible for reimbursement of any necessary increase in living expenses while repairs are being made.

Personal Property

Your home is full of many items that are important to you. While some items are irreplaceable, it is comforting to know that those items that can be replaced are insured. Your personal property can be insured for a specified list of perils (cause of loss), or you can choose comprehensive coverage for all perils except those specifically excluded by your policy.

You may want to consider purchasing additional insurance for some of your most valuable items. We offer special coverage for:

1. Jewelry
2. Furs
3. Cameras and related equipment
4. Musical instruments
5. Silverware (silver, gold, or pewter)
6. Golfer’s equipment
7. Fine arts

Personal Liability

Personal Liability coverage protects you against a claim or lawsuit resulting from bodily injury or property damage to others while on your premises or due to actions of you or your family members. Please consult with your agent to determine how much liability coverage is appropriate.

Optional Coverages

TriGuard

1. Replacement cost on contents.**
2. Water back up of sewers or drains up to $2,500.**
3. Personal injury (up to policy liability limits).**

Portfolio Plus

1. Blanket limit coverage (2 times the replacement cost of your dwelling).
2. Enhanced dwelling limits (up to 125% of your replacement cost for your dwelling).**
3. Replacement cost on contents.**
4. Refrigerated property coverage up to $300.**
5. Water backup of sewers or drains up to $5,000.**
6. Personal injury (up to policy liability limits).**
7. Identity fraud expense at $5,000.**
8. Credit card at $5,000.**

**These coverages are also available as stand-alone endorsements.

Identity Fraud Advocacy Services

This suite of nine identity management services is automatically included on every homeowners policy. Powered by Identity Theft 911®, these services help safeguard your identity, help resolve cases of identity theft and deal with any identity compromising situation.

Equipment Breakdown Coverage

The modern home contains many expensive systems and appliances subject to breakdown. Equipment Breakdown coverage protects you against unexpected repair or replacement costs due to a mechanical, electrical or pressurized systems breakdown. Best of all, this coverage follows the terms and conditions of your homeowners policy.

Not all coverages, credits or discounts are available for all programs and states.

Business

Celina Insurance Group offers outstanding coverage options and affordably priced products to meet your commercial
insurance needs.

These insurance coverages available to businesses include:

1. Commercial Automobile
2. General Liability
3. Commercial Property (building and business personal property)
4. Business Income
5. Inland Marine
6. Crime and Fidelity
7. Catastrophe Liability
8. Workers Compensation (Indiana only)
9. Equipment Breakdown
10. Professional Liability
11. Employment Practices Liability (EPL)
12. All Packaged Under One Policy
13. And more...

Celina Insurance Group knows main street business. We offer several programs within our leading Businessowners Program to fit various small businesses and professionals while also giving them the protection edge they need in a changing world.

1. Retail
2. Office
3. Wholesale
4. Service
5. Processing
6. Limited cooking restaurants
7. Trade contractor
8. Self storage
9. Automobile repair
10. Car washes
11. Small church
12. Convenience stores

All of our Businessowners policies include automatic coverage for equipment breakdown, business income, Comprehensive Security Breach and Identity Management Services and increased limits on several additional coverages. Coverage can be tailored to the specific needs of each type of business.

In addition, we offer other specialty programs:

1. Used Auto Dealer's Program
2. Metalcrafter’s Insurance Program
3. All Church Protector

Not all coverages, credits and discounts are available in all states.

Farm

Our farm program has been consistently recognized as one of the best in the country.

We have devoted expertise and resources to providing a broad range of quality farm coverages to protect your home, auto, outbuildings, property, and farm liability. Our policies are underwritten by a knowledgeable staff, many of whom have personal experience in farming.

We offer superior coverage for preferred farms. Because we're selective about the farms we insure, we enjoy a lower loss experience than our competitors. Therefore, we charge less for many coverages that can be tailored precisely to policyholder needs. Combining this with fast, fair claim service and flexible payment options, makes us one of the Midwest's premium farm programs.

We insure the following in Ohio, Indiana, Kentucky, West Virginia, Pennsylvania and Iowa:

1. Grain Farms
2. Livestock Farms
3. Dairy Growers
4. Horse Farms
5. Rural Homeowners (Homes in protection classes 9-10)

Here are some automatic coverages that differentiate us from many of our competitors:

1. $3,000 farm extra expense (can be increased).
2. $25,000 chemical drift liability coverage.
3. $25,000 suffocation coverage for livestock.
4. Building collapse (broad form).
5. Rock in combine (special form).
6. $2,000 cargo in your care, custody or control.
7. Up to $5,000 for borrowed farm machinery.
8. Up to $50,000 for newly acquired unscheduled farm personal property.
9. Combines as unscheduled farm personal property.

Unique property deductibles

1. Deductible disappears when loss exceeds 10 times deductible amount
2. Per occurrence loss
3. Deductibles can vary by coverage

Our Farm Department is dedicated solely to writing farm business and providing products, coverages, and peace of mind to ag professionals. It's a department made up of knowledgeable people, many of whom have personal experience in farming. Celina Insurance Group got its start in the farming community, and we know how to help take the risk out of farming operations.

Not all coverages, credits and discounts are available in all states.