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Insuring Ohio

As a locally-owned business and residents of Ohio ourselves, we understand your risks in a unique way that others may not—giving us the advantage of helping you manage those risks through insurance coverage. We are proud to serve clients locally in Spencerville, OH, and across Ohio and multiple states. Call us or visit us at our office.

Learn About MPH Insurance Agency, Inc.

At our independent insurance agency, we offer more than just quality coverage. We’re here to work for you. We provide our customers with personal service that is friendly and we’ll help you understand the insurance process. We’re there for you from the first phone call to when you file a claim.

Our experienced and knowledgeable agents work hard to help you get coverage for your personal and business needs. With a wide selection of coverages available and a selection of top-rated insurance carriers, we can help you find insurance to protect the people and things that matter the most to you, while fitting your budget.

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We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

What Are Your Insurance Needs?

MPH Insurance Agency, Inc. offers a variety of personal insurance, business insurance, and insurance by industry solutions to help you protect what matters most.

An Independent Agency Gives You Options

We proudly represent Auto-Owners, Celina, Foremost, and more!

Our Associations
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Auto
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Solution

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

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Manage Your Policies

Already a client of MPH Insurance Agency, Inc.? Visit our Service Center to make requests and manage your insurance.

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Our Clients Rave About Us

Check out our reviews and see why you should switch to MPH Insurance Agency, Inc.

“They have great customer service and good pricing on auto insurance.”

Christian B.

“Love this place. Whatever my needs are, they are always accommodating, whether it’s getting my own account, calling in proof of insurance, or printing out information.”

Lisa H.

“They’ve been our insurance agency for almost 20 years. We always have personable help and quick call backs.”

Jen A.

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