Portamedic
256 Chapman Road #106A Oxford Bldg, Newark, DE 19702
View this agency's profile to learn more about their services.
Loading...
City directory
Newark households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
256 Chapman Road #106A Oxford Bldg, Newark, DE 19702
View this agency's profile to learn more about their services.
630 Churchmans Rd, Suite 203, Newark, DE 19702
View this agency's profile to learn more about their services.
630 Churchman's Road, Suite 203, Newark, DE 19702
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Newark residents.
Complete Newark insurance guide covering auto requirements, home coverage, local agents, and Licking County-specific risks. Get quotes from 6 local agencies.
Home InsuranceNewark, OH home insurance averages $1,600-$2,100/year. Learn about flood risk from Licking River, tornado coverage, and how to protect your home affordably.
Car InsuranceLearn about auto insurance in Newark, Ohio. Understand 25/50/25 minimums, at-fault laws, SR-16 and I-70 risks, and how to get the right coverage.
If you're caught driving without insurance in Ohio, you face immediate license suspension, fines up to $500, and possible vehicle impoundment. You'll also need to file SR-22 proof of insurance with the state for several years, which significantly increases your insurance costs. Ohio takes uninsured driving seriously, and the penalties multiply for repeat offenses.
While properties near the river face higher flood risk, flooding can happen anywhere in Newark due to heavy rainfall, poor drainage, or overwhelmed storm sewers. Standard homeowners insurance doesn't cover flood damage regardless of your location. If you're in a FEMA high-risk zone with a mortgage, flood insurance is required. For properties outside these zones, it's optional but often affordable at $400-700 annually through NFIP.
Most financial advisors recommend at least 100/300/100 liability limits instead of Ohio's minimum 25/50/25. Given current medical costs and vehicle values, the state minimums are dangerously low. For comprehensive protection, consider 250/500/100 limits or add an umbrella policy that provides $1-2 million in additional liability coverage for relatively low cost, typically $150-300 annually.
Insurance companies view home ownership as an indicator of financial stability and responsibility, which correlates with fewer claims statistically. Newark homeowners pay about $8 less per month than renters for the same auto coverage. This discount applies even if your home and auto insurance are with different carriers, though bundling both with one insurer typically saves even more.
Local agents understand Licking County-specific risks like flood-prone areas, typical repair costs, and weather patterns that affect rates. Independent agents can quote multiple carriers to find your best rate and coverage. When you need to file a claim, having a local advocate who knows your property and can visit in person makes the process much smoother than dealing with a distant call center.
Yes, standard homeowners policies cover tornado and wind damage, which is important since Newark is in an area that experiences tornado activity, particularly in spring and early summer. However, you'll have a deductible to meet, and your policy must be in force before the storm hits. Document your property with photos and keep an updated home inventory to streamline claims if tornado damage occurs.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network