# eGoodwin Insurance | Independent Insurance Agency in Marion & Powell, Ohio > eGoodwin Insurance is an independent agency in Marion and Powell, Ohio, serving Ohio since 1990. We shop multiple carriers for home, auto, life, long-term care and business insurance. Call (740) 387-8335. Source: https://egoodwininsurance.com/ # Ohio coverage that feels like home An independent agency that shops multiple carriers for your home, auto, life and business insurance, so you don't have to. That's eGoodwin Insurance. [Get My Free Quote](https://egoodwininsurance.com/quote) **Since 1990** in the community **2 offices** Marion & Powell **5.0** on Google (88 reviews) Trusted in Ohio since 1990 ## Local service, done right. We're an independent agency, so we work for you, not an insurance company. Mark and Nikki shop your coverage across several carriers, explain your options in plain English, and stay with you from the first policy through every renewal. 5.0 88 Google reviews 1990 Serving since 2 Local offices [Call (740) 387-8335](tel:+17403878335) [Get a free quote](https://egoodwininsurance.com/quote) Independent, on purpose ## One door, or 21. We open all of them for you. A captive agent can quote **one company**. If its price or coverage doesn't fit, you start over somewhere else.We represent **21 companies**. We compare them for you, then explain your options in plain English. ## Watch us shop. Here's what happens after you send us your ZIP: we compare the companies that fit, then walk you through real options, not just a price. Sample household ### Marion, OH 43302 - **2** drivers - **2** cars - **1** home - Bundle: auto + home Comparing across our 21 companies… **0** / 21 ### Lowest price $ $ $ Meets your lender and Ohio law, with less room for a bad day. Liability 50/100/50 Uninsured motorist 50/100 Deductible $1,000 - Roadside Our pick ### Best value $ $ $ The coverage we'd choose for this household, at a fair price. Liability 100/300/100 Uninsured motorist 100/300 Deductible $500 - Roadside - Rental car ### Most protection $ $ $ Highest limits, lowest deductibles, plus an umbrella quote. Liability 250/500/100 Uninsured motorist 250/500 Deductible $250 - Roadside - Rental car - Umbrella option Sample options for an illustrative household, not a quote. Which companies can quote depends on your drivers, cars, home and ZIP, and your price will differ. GEICO is offered through GEICO's agency brokerage program. [Already a client? Pay a bill or report a claim →](https://egoodwininsurance.com/service-center/#carriers) ## eGoodwin Insurance helps protect the life you're building. [We shop. You choose. An independent agency comparing several carriers for you.](https://egoodwininsurance.com/quote) [Talk to a real person. Mark and Nikki, in Marion and Powell. Not an 800-number queue.](tel:+17403878335) [A free review, every year. As your needs and the market change, your coverage keeps up.](https://egoodwininsurance.com/quote) [Long-term care, planned. Asset-based plans that protect your savings and your heirs.](https://egoodwininsurance.com/long-term-care-insurance) [Real estate investors welcome. Single-family rentals, multifamily and apartment buildings.](https://egoodwininsurance.com/landlord-insurance) [Dental, medical & aesthetic offices. Business coverage for practices and med spas.](https://egoodwininsurance.com/business-insurance) [Ready for Ohio storm season. Roof, deductibles and water backup reviewed before the storms.](https://egoodwininsurance.com/home-insurance) [Bundle home + auto. One agency, one review, and bundling may lower what you pay.](https://egoodwininsurance.com/quote) Most Popular ### Home Insurance Ohio homes, insured to real rebuild cost [Get a Quote](https://egoodwininsurance.com/quote) [Learn More](https://egoodwininsurance.com/home-insurance) Bundle & Review ### Auto Insurance Coverage past Ohio's 25/50/25 minimum [Get a Quote](https://egoodwininsurance.com/quote) [Learn More](https://egoodwininsurance.com/auto-insurance) Condos & Townhomes ### Condo Insurance HO-6 walls-in coverage your HOA policy skips [Get a Quote](https://egoodwininsurance.com/quote) [Learn More](https://egoodwininsurance.com/condo-insurance) Apartments & Rentals ### Renters Insurance Your belongings, protected where you rent [Get a Quote](https://egoodwininsurance.com/quote) [Learn More](https://egoodwininsurance.com/renters-insurance) Real Estate Investors ### Landlord & Investors Single-family, multifamily and apartment buildings [Get a Quote](https://egoodwininsurance.com/quote) [Learn More](https://egoodwininsurance.com/landlord-insurance) For Business Owners ### Business Insurance Dental, medical and aesthetic offices, and more [Get a Quote](https://egoodwininsurance.com/quote) [Learn More](https://egoodwininsurance.com/business-insurance) Flash-Flood Smart ### Flood Insurance NFIP flood coverage. Homeowners policies don't cover flood [Get a Quote](https://egoodwininsurance.com/quote) [Learn More](https://egoodwininsurance.com/flood-insurance) For Families ### Life Insurance Term and permanent options that keep plans intact [Get a Quote](https://egoodwininsurance.com/quote) [Learn More](https://egoodwininsurance.com/life-insurance) Featured ### Long-Term Care Asset-based plans that pair life insurance with care benefits [Get a Quote](https://egoodwininsurance.com/quote) [Learn More](https://egoodwininsurance.com/long-term-care-insurance) Weekends & Getaways ### Recreational RVs, boats, motorcycles, and everything fun [Get a Quote](https://egoodwininsurance.com/quote) [Learn More](https://egoodwininsurance.com/rv-insurance) ## More ways we protect you. Coverage built around real life. We Shop For You ### Several carriers. One honest comparison. We're independent, so we quote your coverage with multiple insurance companies, lay the options side by side, and help you choose. Then we keep shopping as the market changes. 1 Carrier quote #1 Same coverage, compared 2 Carrier quote #2 Same coverage, compared Your pick, explained Reviewed again at renewal Bundling ### One agency. Better together. Keep your home and auto in one place. We compare carriers for the pair, handle one review, and bundling may lower what you pay on both. H Home Policy Dwelling + liability A Auto Policy 2 vehicles, full coverage Bundled and covered One agency · one review Long-Term Care ### Plan for care before you need it. Asset-based long-term care pairs life insurance or an annuity with care benefits. If care is never needed, a death benefit goes to your heirs. [Learn how it works](https://egoodwininsurance.com/long-term-care-insurance). "What if one of us needs care someday?" Care benefits built in Life insurance or annuity based $ Care never needed? A death benefit goes to heirs Annual Review ### Your life changes. Your coverage should too. New car, remodel, teen driver, new rental. Every year we re-check your coverage and discounts together, free. "Finished the basement. Does the house need more coverage?" Yearly review booked With Mark or Nikki Beyond the Minimums ### The state minimum isn't a plan. Ohio's 25/50/25 rarely covers a serious crash on I-71 or US-23. Uninsured motorist coverage is optional here, and worth a look. We size coverage to what you have to protect. **25/50/25** Ohio minimum Covers less than most new cars cost **Your plan** sized to your life Assets, family & lifestyle accounted for Real Estate Investors ### Rentals and apartments, covered properly. Single-family rentals, multifamily buildings and apartments: the structure, the rent, and the liability many owners miss. R Rental · Delaware Dwelling + loss of rent M Fourplex · Marion Added to the same review $ Landlord liability The layer owners forget New Homebuyers ### Closing soon? Let's get it done. Lender-ready binders, escrow deadlines and proof of coverage, handled. One less thing between you and the keys. "Closing is Friday. Lender needs proof of insurance!!" Binder sent to lender Before closing day 🔑 Keys on Friday Covered from day one When It Happens ### The day you actually need us. A real person who knows your policy, walks you through the claim, and follows up until it's settled. This is what you're actually buying. ! Fender bender · US-23 Everyone's okay Claim started with you On the phone, step by step Followed to the finish Check-ins until it's closed ## Ballpark it. Then get your real number in one call. Zip Code Annual Mileage 12,000 mi Coverage Level Basic: 25/50/25 (Ohio minimum) Full Coverage: + Collision & Comp Premium: Full + UM/UIM & Extras Driving Record Clean Record 1 Minor Violation 1 At-Fault Accident Multiple Incidents Household Drivers 1–2 adults 3+ adults Includes a teen driver Estimated Monthly Premium $164 per month Liability (25/50/25+) $66/mo Collision $54/mo Comprehensive $31/mo Add-ons $11/mo * Illustrative estimates only, not Ohio averages. Actual rates vary by carrier, driver, vehicle, home, coverage and ZIP. As an independent agency we compare several carriers. Bundling home + auto may lower what you pay. [Get My Quote →](https://egoodwininsurance.com/quote) Home Value $350,000 Home Age 25 years Deductible $1,000 (Lower Deductible) $2,500 (Standard) $5,000 (Higher) $10,000 (High) Location Risk Lower storm exposure Standard Ohio suburban Higher wind/hail exposure Older roof (15+ yrs) Special Features None Pool Detached Garage / Workshop Pool + Outbuildings Estimated Annual Premium $2,860 per year ($238/mo) Dwelling $150/mo Personal Property $43/mo Liability $29/mo Other Structures $17/mo * Illustrative estimates only, not Ohio averages. Actual rates vary by carrier, driver, vehicle, home, coverage and ZIP. As an independent agency we compare several carriers. Roof age, your deductibles and a water backup endorsement matter, and flood is always a separate policy. [Get My Quote →](https://egoodwininsurance.com/quote) Your Age 35 Coverage Amount $750,000 Term Length 10-Year Term 20-Year Term 30-Year Term Health Excellent Good Average Tobacco Use Non-smoker Smoker / tobacco user Estimated Monthly Premium $36 per month · level for the full term Coverage $750,000 Rate per $100k $4.80/mo Term 20 years Protection through age 55 * Illustrative estimates only, not Ohio averages. Actual rates vary by carrier, age, health, term and coverage amount. As an independent agency we compare several carriers. Final rates depend on underwriting. [Get My Quote →](https://egoodwininsurance.com/quote) ## Keep exploring [Get a quote](https://egoodwininsurance.com/quote) [Long-term care planning](https://egoodwininsurance.com/long-term-care-insurance) [Meet Mark](https://egoodwininsurance.com/about-mark-goodwin) [Call (740) 387-8335](tel:+17403878335) **21 companies.** One agent working for you. - Progressive - GEICO - Nationwide - Travelers - Safeco - Liberty Mutual - The Hartford - Hanover - National General - Branch - Openly - The General - Foremost - American Modern - 1859 Mutual - Millers Mutual - Berkshire Hathaway - Philadelphia - AmTrust - USLI - Hiscox - The General - Foremost - American Modern - 1859 Mutual - Millers Mutual - Berkshire Hathaway - Philadelphia - AmTrust - USLI - Hiscox - Progressive - GEICO - Nationwide - Travelers - Safeco - Liberty Mutual - The Hartford - Hanover - National General - Branch - Openly ## What clients say. 5.0 stars across 88 Google reviews. Joe G.Google review > “Great service. Great communication. Great people. Thanks Mark and Nikki!” Niki M.Google review > “Our experience was seamless working with eGoodwin Insurance! Very informative and helpful.” Howard Z.Google review > “Rates were fair and the staff is very responsive and informative.” Gloria T.Google review > “I am very happy to recommend him as an extremely knowledgeable agent who gives great attention to detail.” [Read all 88 reviews on Google ↗](https://www.google.com/maps/search/?api=1&query=eGoodwin%20Insurance%20Marion%20OH) ## Ohio insurance questions. Straight answers. Why is my homeowners insurance going up in Ohio? Most increases have little to do with you and a lot to do with the weather and the cost of rebuilding. Severe spring and summer storms bring straight-line winds, hail and the occasional tornado. Winter freezes burst pipes. And the labor and materials needed to repair roofs and rebuild homes cost more than they used to. Those pressures push premiums up even for homeowners who have never filed a claim. What you can control: your deductibles, bundling your home and auto, and making sure your dwelling limit matches what your home would actually cost to rebuild. And shopping. Because we're independent, we can compare several carriers at renewal instead of handing you one company's increase. How do wind and hail deductibles work? Some homeowners policies carry a separate wind/hail deductible. Instead of a flat dollar amount, it may be figured as a **percentage of your dwelling coverage**. For example, on a home insured for $300,000, a 1% wind/hail deductible would mean $3,000 out of pocket on a hail claim, even if your regular deductible is lower. Not every policy has one, and terms vary by carrier. Your roof's age and material can also affect how a roof claim is paid, including whether it's settled at replacement cost or actual cash value. We'll show you where yours sits and what it would cost to change it. Does homeowners insurance cover a flooded basement from a sump pump failure or sewer backup? Usually not on its own. Standard homeowners policies usually exclude water that backs up through drains or overflows from a failed sump pump **unless you add a water backup endorsement**. For Ohio homes with finished basements, it's one of the most useful add-ons there is. Water backup is different from flood. Backup coverage is for water coming up through your drains or sump. Flood insurance is for surface water rising from outside, like a creek over its banks. Condo owners and renters can add backup coverage too. We'll check whether your policy has it, and how much. Do I need flood insurance in Ohio? It's worth a serious look. **A standard homeowners policy does not cover flood.** Flood is a separate policy, and we can help you get coverage through the National Flood Insurance Program (NFIP). Homes along the Olentangy and Scioto River corridors aren't the only ones at risk. Creeks like Alum Creek and Big Walnut Creek can rise fast in heavy rain, and flash flooding doesn't stop at flood-zone lines. NFIP policies generally have a 30-day waiting period before coverage starts, so don't wait for the forecast. If your home is in a high-risk flood zone (SFHA) and you have a mortgage, your lender will require flood coverage. How much homeowners insurance do I need? Enough to rebuild your home, not enough to rebuy it. Your dwelling limit should track the cost to reconstruct your house at today's labor and material prices, which has little to do with what you paid or what a listing site says it's worth. Under-insuring is the common mistake, and it only shows up at the worst possible moment, like after a big storm when roofers and materials are in demand. We'll run the rebuild numbers with you. Is Ohio's minimum auto coverage (25/50/25) enough? Rarely. Ohio requires 25/50/25 liability limits: $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage. Ohio is an at-fault state, so if you cause a serious crash on I-71 or US-23, medical bills and today's vehicle prices can outrun those limits fast, and you could owe the rest. Uninsured/underinsured motorist coverage (UM/UIM) isn't required in Ohio. It's optional, and worth considering, because it protects you when the other driver can't pay. We size coverage to what you actually have to protect. How can I lower my car insurance in Ohio? Start by shopping. As an independent agency, we can quote your coverage with several carriers and compare, instead of offering one company's price. Then the usual levers: bundle your auto with your home, condo or renters policy, raise your deductible if you have savings to cover it, drop collision on a car that isn't worth much anymore, and make sure every discount you may qualify for is applied. A paid-off car, a new driver, a move or a new commute can change what you pay, so we review it with you every year. What doesn't work is quietly cutting your liability limits. That may save a few dollars a month and exposes everything you own. How much life insurance do I need? A common rule of thumb is 10 to 12 times your annual income, but the better math is specific to you: what's left on the mortgage, what it would cost to raise and educate your kids, any debts that wouldn't disappear, and how many years your family would need income if you weren't here. Term life is often more affordable than people expect. Try the life tab in our rate estimator to ballpark it, then ask us to compare term and permanent options across the carriers we represent. What is asset-based long-term care insurance? It's life insurance or an annuity with long-term care benefits built in or added by rider. It's often funded with a single premium or a limited number of payments. If you need care, the policy helps pay for it. If you never need care, a death benefit goes to your heirs. That's different from traditional long-term care insurance, where premiums can rise over time and you "use it or lose it." The U.S. Department of Health and Human Services estimates someone turning 65 today has almost a 70% chance of needing some type of long-term care services. Learn more on our [long-term care page](https://egoodwininsurance.com/long-term-care-insurance). This is general information, not tax or legal advice. What is umbrella insurance and do I really need it? An umbrella policy adds liability protection on top of the limits in your home and auto policies, usually starting at $1 million. If you're found responsible for a serious accident and the claim exceeds your underlying limits, the umbrella picks up from there instead of your savings, your equity or your future wages. For homeowners and real estate investors with assets to protect, it's often a cost-effective layer. Ask us whether an umbrella makes sense for you; it pairs naturally with a home and auto bundle. What's the difference between condo insurance and homeowners insurance? Your HOA's master policy generally covers the building's structure and shared areas. Your condo policy, an HO-6, covers what the master policy doesn't: your interior walls, floors, cabinets and fixtures, your belongings, your personal liability, and loss assessments the HOA can charge back to you. The mistake is assuming the HOA has it handled. Read the master policy's limits, then insure the gap. We'll read it with you. Why use an independent insurance agent? An independent agency represents multiple insurance companies, not just one. That means we can shop your coverage across several carriers, compare price and coverage side by side, and recommend the best fit. We help you buy insurance rather than sell it to you, and we work for you, not an insurance company. It also means you don't have to start over when your needs or the market change. Mark has been a licensed insurance professional since 1990, and we'll keep guiding you, from your first policy through every renewal. Still have questions? [Call (740) 387-8335](tel:+17403878335) . We'll give you a straight answer. ## Ready when you are. One call covers it all. Home, auto, life, long-term care and business coverage from a local independent agency in Marion and Powell. We shop several carriers so you don't have to. [Call (740) 387-8335](tel:+17403878335) [or **get a free quote** online](https://egoodwininsurance.com/quote) ## Two offices. Serving Ohio. ### eGoodwin Insurance 📍 Marion office (main) 399 E. Church Street Marion, OH 43302 [Get directions ↗](https://www.google.com/maps/search/?api=1&query=399%20E.%20Church%20Street%2C%20Marion%2C%20OH%2043302) 📍 Powell office 74 E. Olentangy Street Powell, OH 43065 [Get directions ↗](https://www.google.com/maps/search/?api=1&query=74%20E.%20Olentangy%20Street%2C%20Powell%2C%20OH%2043065) 📞 Phone [(740) 387-8335](tel:+17403878335) The fastest way to reach us ✉️ Email [service@egoodwininsurance.com](mailto:service@egoodwininsurance.com) Questions, quotes and policy changes 🕐 Hours Mon – Fri: 9:00 AM – 5:00 PM Eastern Sat – Sun: Closed --- **eGoodwin Insurance** · 399 E. Church Street, Marion, OH 43302 · 74 E. Olentangy Street, Powell, OH 43065 · (740) 387-8335 · Mon–Fri 9:00 AM–5:00 PM Eastern Request a quote: https://egoodwininsurance.com/quote-request (plain HTML form) or https://egoodwininsurance.com/quote (guided).