Mantua: (330) 274-2945
    Chagrin Falls/ Bainbridge: (440) 543-9825

  • Frequently Asked Questions

  • Your homeowner insurance does not cover the loss of your car, even though it was “in your house”. You typically must have a form of comprehensive physical damage coverage on you automobile insurance policy for it to be covered.
    Yes, we do! To provide you with the best service possible Skala Insurance has notary services available at each location. Give us a call to setup an appointment today!
    You may need one or more of the following depending the type of business you own. Property insurance, Liability, business vehicle, workers compensation, Errors and Omission/Professional liability, Employment Practices Liability, and business Identity theft.
    An insurance deductible is the amount of money you pay after an accident before your insurance company pays for the remaining amount up to the policy limits.
    When you purchase a condominium, you are not purchasing the building: you are purchasing a unit inside the building. You are also most likely a part of a condo corporation that fixes external structural damage. Homeowners insurance covers the structure as well as the contents inside the home. Condo offers studs in and personal property.
    In most cases yes, the full coverage on your vehicle will extend over to the rental car per the policy deductibles and limits. This will be a claim on your insurance so it is wise to look at rental insurance agreement. This coverage is limited to U.S., Canada, and Puerto Rico.
    Market value is what the home can sell for, where replacement value is the cost to have the home rebuilt from the ground up with like materials.
    Endorsements are used to make a standard policy a little more specifically tailored to your needs. This is why you can add coverage for identity thefts, and jewelry.
    Uninsured motorist coverage protects you and the people in your car in the event another driver hits you without inadequate Ohio insurance coverages. In the event of an accident with an uninsured motorist and you are badly injured your limits under uninsured will cover you.
    An umbrella policy works exactly the way the name describes. The umbrella sits over the top of the underlying insurance policies and provides an extra layer of liability insurance.
    Whole life is permanent insurance that grows cash value. Term life insurance is for a set amount of time and does not grow cash value.