News & Events

What is Basic form, Broad form, and Special form?

Basic, Broad, and Special form are three common coverage forms when insuring property.  Basic form is the most restrictive, while Special offers the greater level of protection.

Basic form covers these 11 “perils” or causes of loss:  Fire or Lightning, Smoke, Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft (striking the property), Vehicles (striking the property), Glass Breakage, Vandalism & Malicious Mischief, Theft, and Volcanic Eruption. 

Broad form covers the same 11 perils, but adds 6 more:  Falling objects, Weight of ice, snow or sleet, accidental discharge or overflow of water or stream from within plumbing or related systems; does not include discharge or overflow of water from a sump,  sudden and accidental rupture of heating, air conditioning, fire protective sprinkler, or hot water heating system.  Freezing of plumbing or related systems.  And Sudden and accidental damage from artificially generated electrical current.

Special form does not specifically list perils, rather it is “all risk” coverage unless otherwise specifically excluded.

As always refer to your actual policy for coverage language as it could vary slightly from carrier to carrier, and product to product.

Key Employee Retention

Employers – do you have a rock star level employee?  You know the one, the dependable self starter.  The one who solves problems on their own, but still knows what they don’t know.   The one that out performs the rest.  Maybe if you are lucky, you have more than one. 

If you do have a rock star employee – the thought of them leaving is one of the things that probably keeps you up at night.  What if they leave?  How much disruption would it cause?  What would it take to replace them?  Is replacing them possible?  Worse yet, what if they went to my competition? 

The good news is – we have a solution.  I won’t dive into the details on this blog post, but if you have that great employee you can’t bear the thought of losing – call me today at 419-446-2777, stop by our office, or send me an email at and we will put together a solution to keep that performer as a part of your team.

Joseph D. Beck, CIC, VP / Beck Insurance Agency, Inc.


Joe Beck and Joe Buller visit Acuity Insurance

Joe Beck and Joe Buller recently visited with Acuity Insurance in Sheboygan, Wisconsin. 

“Joe and Joe”, spent two days meeting with the various management teams, industry experts, underwriting, loss control, and the audit team. 

While it was a short trip, these meetings provided greater insight into Acuity’s coverage differences, product guidelines, the claims process, loss control, and other additional services. 

The visit was commercial lines focused, specifically on Trucking, Contractors, Manufacturing, and Retail / Restaurant risks.

All in all, great visit.  Thank you Acuity!

6 Tips to Get Your RV Ready for Use

From our friends at Acuity!

Ready to get your RV out of storage and on the road? Before you pack up, do a check up on your RV to help ensure your vehicle is safe and ready for your adventures ahead.

Contact Beck Insurance Agency for a quote on your RV Insurance today!

Time to dust off that motorcycle!

Finally….it’s that time of the year again! (if the rain would stop)

Right now you are pulling your beloved steel horse out of storage…changing the fluids, airing up the tires, checking the lights, topping off the tank, and getting a nice polish on it.

Storm S. Schultz
Archbold, Ohio

But do you have proper insurance coverage on it (and yourself) as well?

Before getting back on the road again, have Beck Insurance Agency review your motorcycle insurance needs.  Lets make sure your values are correct, your liability limits are good, all that extra chrome is accounted for, and that your rate is fair.  Beck Insurance Agency has several of the top markets for your motorcycle insurance needs.

Call Kylie Schultz at Beck Insurance Agency today!  Phone 419-446-2777, or click here.

FREE Boating Education Course – 05/04/19

The Ohio DNR will be holding a FREE boating education course on Saturday, May 4 from 8:00 am to 5:00 pm at Wildwood Preserve Metropark. The address is 5100 W. Central Ave, Toledo.

The course covers such things as navigational rules, safety equipment, navigational signage, and Ohio boating laws.

For more information click here for the Ohio DNR’s course schedule link.

Ohio law requires any person born on or after January 1, 1982 to show proof they have successfully completed an approved boater safety education course if they operate any watercraft powered by a motor greater than 10 horsepower.

Auto-Owners Insurance Company continues exceptional financial ratings.

Auto-Owners Insurance Group continues to be recognized for exceptional financial strength and stability among the nation’s largest insurers. Auto-Owners has once again received the highest AM Best Rating of A++ (superior), and is only 1 of 9 P&C insurers in the United States to do so. This now makes it 47 years in a row Auto-Owners has earned this coveted rating.

Beck Insurance Agency is proud of our relationship with Auto-Owners, having signed our agency contract with them in 1950.

For more information on Auto-Owners click here.

For Auto-Owners quotes call 419-446-2777, or click here.

Serving Homeowners Insurance Clients From Toledo, Defiance, Bryan, Delta, Sylvania and Waterville, OH

Beck Insurance is a longstanding company that serves clients in the Toledo, Ohio area that need homeowners insurance and other types of coverage. We take our responsibility to the communities we serve very seriously, and we are quite gratified by that consistent positive feedback that we receive. When you choose our agency, you will receive an uncommon level of service from start to finish.

Protect Your Investment

If you still owe money on your home, your mortgage company is going to have certain requirements with regard to your homeowners insurance. This is a fact of life, and you have to comply with it. At the same time, you should understand all of your own personal exposure, because you may want to carry additional coverage to protect yourself.

Homeowners Insurance in Toledo, Defiance, Bryan, Sylvania, Waterville When you are obtaining your homeowners insurance, there are decisions that must be made. Deductible levels will vary, and it can be hard to understand how to proceed. We place an emphasis on communication, so you can rest assured that we will answer all of your questions so that you can make the right choices.

A lot of people are not aware of the fact that a standard homeowners insurance policy does not cover flood damage. You can, however, add separate flood insurance, and this is another type of coverage that we offer to our clients. In addition to homes that are occupied, we can obtain coverage for residential property that is under construction.

Renters Insurance

Many people lease their places of residence in this area, and a significant percentage of them embrace a popular misconception. They assume that landlords’ homeowners insurance policies will cover property that is owned by the tenants. In fact, this is not the case at all.

Because of this dynamic, renters insurance is a must. The renters insurance that you can obtain through our agency will protect your belongings, but that’s not all. If someone is injured on the property that you are renting, you would have a certain level of liability protection.

Call or Click Right Now!

As you can see, we can connect you with home insurance or renters insurance, and you will probably be pleasantly surprise when you receive a quote from us. To set the wheels in motion, send us a message through our contact page or give us a call at 419-446-2777 or 877-446-2325.

Home & Auto Insurance in Whitehouse, Waterville and Monclova

Many don’t realize that Beck Insurance Agency writes quite a bit of home and auto insurance in the Anthony Wayne area.

Agency co-owner, Joe Beck, has lived in Whitehouse since 2008 and is in town daily.

With the housing boom in Whitehouse, Waterville, and Monclova going strong – our markets are well positioned to handle your needs. Whether it’s an existing home, a new purchase, or new construction.

Please contact Beck Insurance today for a full home and auto insurance review, and either Joe or Kylie Schultz will be in contact soon.

You can either click here, email us at, or call 419-446-2777. Thank you, have a great day!

Four Reasons to Get Your Auto Insurance From Our Agency

Beck Insurance is an auto insurance resource serving Bryan, Defiance, Delta, Montpelier, Napoleon, and Sylvania, OH. We are a family owned and operated business that was originally established in 1948, and we are now on our third generation of family member involvement.

It has been gratifying to build relationships with clients over all these years, and we put our personal stamp on everything that we do. In this post, we will look at four reasons why you would do well to obtain your auto insurance from our agency.

Familiarity With Ohio Laws

Every state has its own specific requirements when it comes to auto insurance. Since we have been located in Ohio for so long, we have a thorough understanding of the DMV regulations. When you work with our agency, you can rest assured that your coverage will comply with all applicable laws.

Auto Insurance in Bryan, Defiance, Montpelier, Napoleon, Sylvania OH You Don’t Need a Perfect Driving Record

We know that people make mistakes, and this applies to driving a motor vehicle. Our agency can obtain coverage for every licensed driver, even if you have made errors in the past.


Too many drivers view auto insurance as a nuisance, and they just want to obtain the minimum protection that is required. You can go this route, but when you understand the facts, you will see why you are taking a big risk if you eschew more comprehensive coverage.

We do not try to sell our clients on anything, but we do explain the risks that you take when you carry bare bones coverage. At the end of the day, you will make your own decisions, but they will be fully informed ones.

Freedom of Choice

Some insurance agencies can only obtain auto insurance from a single company. They are called “captive” agencies, so they offer limited insurance products, and you get just one quote. Things are entirely different when you choose Beck Insurance.

We have relationships with a number of different highly rated insurers, so we can provide you with multiple options. You can choose the best offer and go forward with the knowledge that you got a great deal on your auto insurance.

Contact Beck Insurance!

If you would like to discuss your auto insurance needs with one of our knowledgeable agents, we can be reached by phone at 419-446-2777, and our toll free number is 877-446-2325. We also have a contact form on this website that you can use to send us a message.