PRODUCTS:

HOME & AUTO:

Ask about bundling your home and auto insurance to provide a cost effective, secure option to help you stay safe, and save money, today!

AUTO:

Good Drivers are Responsible Drivers.

Having proper Auto Insurance ensures your independence behind the wheel. From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared when accidents do happen.

At Meissner Insurance Agency, we combine premium Auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.

As your trusted source for car insurance, Meissner Insurance Agency offers a variety of coverage and additional protection options, such as:

Why Auto Insurance?

If you’re involved in an accident without car insurance, you’re looking at high out-of-pocket costs, injury liability – even serious legal issues.

Keeping your vehicle insured is simply the responsible thing to do, and it’s an essential financial decision that you can’t drive without. Auto Insurance helps to reduce or cover property damage costs, replacement parts for your car as the result of an accident, medical expenses from injuries, road-side assistance, and much more. Since policies vary with protection options, it’s important to talk to a specialist at Meissner Insurance Agency to create a policy that insures your needs.

We provide car insurance to drivers near Cincinnati, Covington, Cheviot, Fort Thomas, Florence, and Dayton.

HOME:

Protect Your Home and Everything In It.

At Meissner Insurance Agency, we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.

Meissner Insurance Agency is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

Our Home Insurance coverage options include:

Why Home Insurance?

Accidents can happen at any time. Having the right insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.

While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at Meissner Insurance Agency about specific coverage options that are applicable to your individual needs.

Don’t go another day without proper homeowners insurance. Keep your memories protected with the right policy from Meissner Insurance Agency.

Meissner Insurance Agency provides Home Insurance for residents near Cincinnati, Covington, Cheviot, Fort Thomas, Florence, and Dayton.

Our Home Insurance Coverage Options Include:

Give yourself the financial security and peace of mind knowing that your in-home business operations are protected.

FARM:

It is Your Livelihood. Make Sure It is Protected

Whether you are a local grower or a large cultivator, we understand the value of insuring your greatest asset. At Meissner Insurance Agency, we are dedicated to providing the agricultural coverage and services you need to keep your farm or ranch protected – so you can focus on maintaining a smooth operation.

We know that you work hard as a farmer, and at Meissner Insurance Agency we want to extend that same courtesy to you by keeping your farm and everything on it insured. Our insurance specialists are sensitive to your individual needs and will work with you to find a policy that best suits your farm or ranch.

Designing a specific policy with us gives you the options of coverage in the following areas:

Why Farm Insurance?

Your farm is your livelihood, and you can never be too cautious. Since an accident can happen when you least expect it, it is important to be prepared when potential problems arise. By being proactive with a proper farm policy, your equipment, buildings, and even lost income can be covered in the event that an unforeseen circumstance disrupts your operations.

You’ve worked hard to build your farm into a business. Meissner Insurance Agency will work even harder to ensure that your business is protected.

We provide insurance solutions for farmers near Cincinnati, Covington, Cheviot, Fort Thomas, Florence, and Dayton.
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Crop Insurance
Keep Your Farm Afloat in Times of Trouble.

The farming and agricultural industry often involves risk and uncertainty. From unexpected natural disasters to major economic changes in the marketplace, many situations can affect the productivity of your agribusiness.

At Meissner Insurance Agency, we know that the success of your farm directly impacts the livelihood of you and your family. With the right Crop Insurance coverage, you can protect your business and keep your farm afloat through all of the difficult times.

Meissner Insurance Agency offers two basic types of Crop Insurance for your farm or ranch:

Crop-yield insurance covers excess losses to your crops due to natural disasters such as drought or flood as well as other perils like insects or disease.
Crop-revenue insurance covers negative changes in the price of a crop that occurs during the crop’s growing season.

You’ve poured years of hard labor and honest work into your agribusiness, and when times are tough, you’ll need an agency you can depend on. Talk to a specialist at Meissner Insurance Agency to learn more about how Crop Insurance can help ensure the continued service of your farm for years to come.

Farm Livestock Insurance
Animals Are Assets Too.

As the owner and operator of an independent farm or ranch, you’ve made a number of investments into your agribusiness – equipment, machinery, and crops. Livestock is also a big investment for farmers and ranchers alike, and like any financial asset, you’ll want to ensure a high-level of security and protection – so your animals will stay covered.

At Meissner Insurance Agency, we know that the health and safety of your animals directly affects the health and profitability of your farm. Livestock Insurance can protect you and your farm against the financial losses that could occur if your animals are harmed or killed as a result of a covered accident such as a fire, blizzard, or other natural disaster – even when your animals in transit.

Livestock Insurance policies will vary from person to person, farm to farm, and animal to animal. The insurance value of each animal is usually its purchase price, but other factors such as performance level or value of your animal’s offspring can increase that value. A specialist at Meissner Insurance Agency can help you determine the right amount of coverage at a price that meets your needs.

Equine Insurance
Live to Ride

You’ve spent time training, taking care of, and most likely competing with your horse. And as a proud owner, it is up to you to ensure its safety and well being. Since your horse represents both a financial and emotional investment, medical expenses can be costly.

An Equine Insurance policy from Meissner Insurance Agency provides coverage for a variety of costs and expenses related to the upkeep of your animal. Our policy options include:

Full Mortality and Theft – to insure your animals against death as a result of injury, illness, disease, humane destruction, transportation, or theft.
Major Medical Coverage* – to provide reimbursement for the cost of medical and surgical bills caused by accident, sickness, or disease.
Loss of Use – for compensation in the event your horse becomes totally and permanently unable to perform the duty for which it was insured.
Stallion infertility – for coverage in the event your stallion becomes permanently incapable of producing offspring due to an accident, illness, or disease.

Finding the right coverage options for your horse does not have to be difficult. At Meissner Insurance Agency, one of our insurance specialists can help educate you on the different coverage options and rates available for your special animal, and together you can build the perfect policy that fits the needs of you and your horse.

*Major Medical Coverage is an addition to the Full Mortality policy and cannot be purchased alone.

Farm Equipment Insurance
Keep Your Equipment Running Strong

As a farmer, you rely on your equipment to run like clockwork. But in the event of equipment breakdown or failure, it can be difficult and expensive to repair. Damaged or broken equipment can easily cost thousands of dollars to replace, which is why Farm Equipment Insurance is just as important to your agribusiness as the equipment itself.

At Meissner Insurance Agency, we are dedicated to the success of your farm or ranch, and we understand that equipment breakdown can mean lost income. That is why we design comprehensive insurance policies to keep farms running smoothly in the event of an accident. Equipment breakdown coverage goes beyond your standard Property Insurance policy to protect against damage caused by power surges, mechanical breakdown, motor burnout, and even operator error.

Equipment and machinery included under a Farm Equipment Insurance policy includes, but is not limited to:

Heating and Cooling Systems
Production Equipment
Boilers, Pressure Vessels, and Water Heaters
Pumps
Electrical Distribution Systems
Refrigeration Equipment

Contact Meissner Insurance Agency today to find out how a Farm Equipment Insurance policy can keep the productivity of your farm moving.

And Much more! Call today to see how Meissner can keep your farm running smoothly when problems arise.

PERSONAL:

Personal Umbrella Insurance
Be Ready for Anything and Everything.

Personal Umbrella Liability is one of the most commonly overlooked policies, but in the case of a catastrophic financial event, it could be the best line of defense you’ll ever have. If you’re involved a major auto accident or if someone gets injured on your property, you could be sued for damages well beyond the liability coverage provided by your Home and Auto Insurance policies.

In such a critical situation, having Personal Umbrella Insurance from Meissner Insurance Agency will protect your home, car, future wages, and all of your priceless assets from being used to pay for the expenses.
Coverage That Keeps You Protected

Your Umbrella Liability policy from Meissner Insurance Agency works to give you additional protection when damages exceed the liability coverage of your standard policies. It also offers extra security for many situations that may not be included in your basic insurance.

Personal Umbrella insurance can be applied to events such as:

At Meissner Insurance Agency, we are committed to the safety and security of you and your family, which is why we will work with you to create a perfect policy that protects all of your interests. Since Personal Umbrella Insurance will vary depending on your individual coverage needs, it’s important to discuss your options with one of our insurance specialists before making a decision.

LIFE:

Protect What Matters Most

Your family is your responsibility and your life, and there is nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests. But should something unexpected happen to you, you will want to be prepared for providing the assurance your family needs to keep their futures safe and sound. At Meissner Insurance Agency, we will work with you to keep your family protected in the event of your untimely death.

A proper Life Insurance policy can give you peace of mind knowing that your finances and beneficiaries are secure – from temporary to permanent coverage. At Meissner Insurance Agency, we understand that as things in your life change, so will your financial and insurance needs. That is why it is important to review your Life Insurance options with a specialist you can trust.

Whatever your situation, we offer Life Insurance options, such as:

Why Life Insurance?

Life Insurance is one of the most important investments you can make. It is an investment in yourself and the future of your loved ones, and it is a way to secure your financial responsibilities to your family.

Your Life Insurance policy can be used to pay off debts and estate taxes, provide money for continuing mortgage payments, and keep your business up and running upon your passing. But most important, it can be used to ensure that your family’s dreams for the future become realities.

Protect what matters most in your life with a policy from Meissner Insurance Agency.

RECREATIONAL VEHICLE:

Recreational Vehicle Insurance
The Road Less Traveled

The thrill of adventure – it is what owning a recreational vehicle is all about. Whatever your interest, be it cruising on your motorcycle or exploring the road less traveled on your ATV, Meissner Insurance Agency offers advanced coverage options to meet the insurance needs of the adventurer in everyone.

Whether you are an experienced outdoor enthusiast or just starting out, we have a policy to fit your needs – from RVs and boats to ATVs, Meissner Insurance Agency can ensure the safety of both you and your vehicle. Our insurance options provide you with the same service and rich features you can expect – from comprehensive and collision coverage to personal injury protection and towing costs.

We offer a variety of Recreational Vehicle Insurance packages, such as:

Why Recreational Vehicle Insurance?

Owning a recreational vehicle can be a dream come true. It gives you the freedom to travel and the capability to explore new places, but with freedom comes responsibility. Should an accident happen – such as property damage, vandalism, or bodily injury as a result of a crash – it is reassuring to know that your investment is protected.

With Recreational Vehicle Insurance from Meissner Insurance Agency, you can continue living the dream with confidence, knowing that you, your vehicle, and your passengers are protected. Contact one of our representatives today to find a package that works best for you.

Meissner Insurance Agency provides Recreational Vehicle Insurance to adventurers near Cincinnati, Covington, Cheviot, Fort Thomas, Florence, and Dayton.

BUSINESS COVERAGE:

Coverage for Your Business
Protect your Investment, AND your employees

Meissner Insurance Agency provides insurance to businesses in Cincinnati, Covington, Cheviot, Fort Thomas, Florence, Dayton, and surrounding areas.

No matter what business you are in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Meissner Insurance Agency would like to return the favor by giving you the coverage you need to ensure the security of your business.

At Meissner Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.

We offer the following options for your business assets:

AND MORE:

Special event insurance, and industy-specific insurance is available!

LIFE INSURANCE - PERSONAL OPTIONS:

Peace of Mind for you and your Loved Ones.

Meissner Insurance Agency provides life insurance to individuals in Cincinnati, Covington, Cheviot, Fort Thomas, Florence, Dayton, and surrounding areas.

Individual Life Insurance

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing.

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Meissner Insurance Agency, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the peace of mind you deserve.
Types of Individual Life Insurance

Meissner Insurance Agency offers several different coverage options for your consideration: term life, whole life, universal life, and variable life insurance.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life, variable life, or universal life insurance.

There are two types of term life insurance:

Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.?

Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest.

Universal Life – Universal life policies are designed to be more flexible than other permanent Life Insurance. You are still guaranteed a death benefit for the duration of the policy as well as savings that accumulate cash value, but the flexibility of a Universal Life plan allows you to change certain aspects of your plan to accommodate life changes.

Depending on your options, you have the flexibility to change the overall value of the death benefit as well as the time and amount in which you pay your premium. This gives you the option to focus on building your policy’s cash value, or pay a lower premium and focus on guaranteed protection. It’s important to note that changes to your universal life policy can affect its guarantees and limits.

Variable Universal Life - With a variable universal life (VUL) Insurance policy, you get the same flexible benefits of Universal Life while being able to take advantage of potential economic growth in the stock market. Instead of creating a cash value for savings, the value of your VUL policy is invested in professionally managed funds that reflect the performance of the stock market. This also means that as the policy owner, you assume the risk and responsibility of monitoring your own investments.
Meissner Insurance Agency is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs.

An insurance specialist with Meissner Insurance Agency will review your current life insurance situation and help you design a policy to plan for the future.

At the end of the day, one of the biggest investments you can make is an investment in yourself.