Four Star Insurance Agency Inc.

10/03/2025

09/03/2024

Our phone system is currently down. We are working with the provider and hope to have this resolved shortly. We are sorry for any inconvenience.

08/07/2024

Our office is currently without power. If you have storm damage please report it directly to your insurance carrier. Hoping everyone is safe and with power soon.

12/25/2023

Merry Christmas!!

03/29/2023

How does my home deductible work? A home insurance deductible is what you pay out of pocket to repair your home if you have a claim. For example, if you have a $500 deductible and $2,000 in repair costs, you'll pay $500, and Safeco will pay the remaining $1,500. You have a choice of deductible amounts; choosing a higher deductible lowers your insurance rate but requires greater out-of-pocket expenses should you have an accident. Connect with us today to get the details and determine the deductible options for your home.

How does my home deductible work? A home insurance deductible is what you pay out of pocket to repair your home if you have a claim. For example, if you have...

02/02/2023

SCAM ALERT From State of OHIO Insurance Department:

For Immediate Release
February 2, 2023
Consumer Alert:
"New Medicare Card" Telephone Scammers Posing as
Government Employees to Steal Personal Information

COLUMBUS – Ohio Department of Insurance director Judith L. French is urging Ohioans on Medicare to be alert for telephone scammers posing as representatives of the government to steal their personal information.
Called the "New Medicare Card" scam, the scammers are posing as employees of the Social Security Administration, Medicare, and even the Ohio Department of Insurance. They call their intended victims and say the person needs a new Medicare card or they need to turn in their paper card for a plastic card. The scammers then request the person's personal information.
Government agencies, such as the Social Security Administration, Medicare, and the Ohio Department of Insurance do not cold call Ohioans on Medicare.
How Ohioans on Medicare can protect themselves:
• Never give personal information, including Medicare, Social Security, bank account, and credit card numbers, to anyone who contacts you unsolicited by telephone, email, text, or in person, such as door-to-door sales.
• Know that Medicare will never call you to sell anything, visit your home, or enroll you over the phone unless you called first.
• Keep in mind that Medicare or Medicare health plans will only call and request personal information if you are a plan member or you called and left a message.
Ohioans who suspect or have been victimized by a Medicare scam should contact the Ohio Senior Medicare Patrol at 800-488-6070 or proseniors.org.
Ohioans with Medicare questions can contact the Ohio Department of Insurance's Ohio Senior Health Insurance Information Program (OSHIIP) at 800-686-1578, [email protected], and insurance.ohio.gov. OSHIIP is the state's official Medicare educational and counseling program.
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Media Availability: OSHIIP director Chris Reeg and a person who received a scammer call are available for Zoom and telephone interviews.
Media Contact:

Robert Denhard
[email protected]
614-644-3366

12/25/2022

Merry Christmas!!

12/22/2022

COLUMBUS – Ohio Department of Insurance director Judith L. French provided insurance coverage and claim-filing information to help Ohioans who experience property damage from Winter Storm Elliott.
Insurance Coverage Basics
• Most standard property insurance generally covers structure and contents damage from wind, hail, ice, water, heavy snow, and burst water pipes. Roof, gutter, siding, and window damage are also generally covered.
• If a tree – or portions of it – falls on your home, garage or fence, your policy will generally pay to repair damage to the structure and contents, and tree removal costs.
• Reasonable after-the-fact expenses are generally covered to predetermined time frames and amounts. Such as fire department charges, additional living expenses, temporary repairs, debris removal, and damaged tree and shrub removal.
• Food spoilage is normally not included if the cause of loss is an off-premises power outage (downed power lines, etc.). Coverage for frozen/refrigerated items due to loss of power needs to be purchased separately.
• Renters insurance covers the renter’s personal possessions, not the structure itself.
Insurance Claim Filing
• Immediately document your losses before removing debris. Take photos and video.
• Call your agent or insurance company and initiate claim filing. Incorrect or incomplete information will delay the process.
• Gather the necessary paperwork and receipts to provide to your insurer. Consider everything before claim submission, and back it up with written estimates.
• Consider making temporary repairs but don’t endanger yourself.
• If required to seek temporary housing, check your policy for "loss of use" coverage.
• Keep copies of all correspondence.
Ohioans with insurance questions and concerns can reach department insurance representatives at 800-686-1526 and [email protected]. More insurance information is available in the department's severe weather preparation and recovery toolkit at insurance.ohio.gov.