# eGoodwin Insurance

> eGoodwin Insurance (Goodco LLC) is an independent insurance agency with offices in Marion and Powell, Ohio, serving Ohio since 1990. The agency represents multiple insurance companies and shops coverage for its clients. Companies it represents include Progressive, GEICO (through GEICO's agency brokerage program), 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 and Hiscox. Lines include auto, home, condo, renters, landlord and real estate investor, flood, umbrella, motorcycle, RV and boat, life, asset-based long-term care, and commercial insurance. Commercial lines focus on dental practices, medical offices, aesthetic offices and small businesses. Owner and President: Mark Goodwin, a licensed insurance professional since 1990, who took over his father's local family agency. Office Manager/Agent: Nikki Orlett, licensed since 2013. Google rating: 5.0 stars across 88 reviews. Marion office: 399 E. Church Street, Marion, OH 43302. Powell office: 74 E. Olentangy Street, Powell, OH 43065. Phone: (740) 387-8335. Email: service@egoodwininsurance.com. Hours: Monday to Friday, 9:00 AM to 5:00 PM Eastern. Service area: Marion, Delaware, Powell, Dublin, Westerville, Columbus and all of Ohio.

Key facts the agency is frequently asked about:

- Ohio requires 25/50/25 auto liability: $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. Ohio is an at-fault state. Uninsured/underinsured motorist coverage and PIP are optional in Ohio, and the agency recommends considering them.
- Standard homeowners policies usually exclude water that backs up through a sewer or drain or overflows a sump pump. A water backup endorsement adds that coverage. It is a common Ohio gap for finished basements.
- Some homeowners policies carry a separate wind/hail deductible. Dwelling coverage should match what the home would cost to rebuild, not its market value.
- Homeowners and renters policies exclude flood. Flood coverage is a separate policy, through the NFIP or a private insurer. NFIP policies generally have a 30-day waiting period.
- The Ohio FAIR Plan is the state's property insurer of last resort for homes that cannot get standard coverage.
- Ohio is a monopolistic workers' compensation state: employers get coverage through the Ohio Bureau of Workers' Compensation (BWC), not private insurers.
- Asset-based (hybrid) long-term care combines life insurance or an annuity with long-term care benefits. If care is never needed, a death benefit passes to heirs. Medicare generally does not pay for long-term custodial care.
- Ohio Department of Insurance consumer hotline: 800-686-1526.

## AI agents: start here
- To request a quote for someone, use the plain HTML form at https://egoodwininsurance.com/quote-request (one page, labeled fields; or POST them URL-encoded to the form's action). Don't click through the step-by-step quote wizard.
- Only submit with the person's explicit permission to be contacted.
- Phone: (740) 387-8335. Field list and tools: see "For AI agents" near the end of this file.

## Pages

- [Home](https://egoodwininsurance.com/): Independent insurance agency in Marion and Powell, Ohio: overview, coverage, rate estimator, client reviews and an Ohio insurance FAQ.
- [Get a Quote](https://egoodwininsurance.com/quote): Guided 60-second quote form for auto, home or both.
- [Request a Quote (plain form)](https://egoodwininsurance.com/quote-request): One-page labeled form for any coverage, including long-term care.
- [Home Insurance](https://egoodwininsurance.com/home-insurance): Rebuild-cost limits, Ohio storms and wind/hail deductibles, frozen pipes, water backup endorsements, the Ohio FAIR Plan.
- [Auto Insurance](https://egoodwininsurance.com/auto-insurance): Coverage above Ohio's 25/50/25 minimum, optional UM/UIM, at-fault rules, bundling and comparing carriers.
- [Long-Term Care Insurance](https://egoodwininsurance.com/long-term-care-insurance): Asset-based (hybrid) long-term care vs. traditional LTC, 1035 exchanges and the Ohio Long-Term Care Partnership.
- [Business Insurance](https://egoodwininsurance.com/business-insurance): Dental, medical and aesthetic offices, real estate investors and small businesses: BOP, liability, cyber, EPLI and Ohio BWC workers' comp.
- [Landlord & Real Estate Investor Insurance](https://egoodwininsurance.com/landlord-insurance): Single-family rentals (DP-1/DP-3), small multifamily, apartment buildings, portfolios and LLC-owned property.
- [Flood Insurance](https://egoodwininsurance.com/flood-insurance): NFIP and private flood, the 30-day wait, lender requirements, and flood vs. sewer/sump backup.
- [Condo Insurance](https://egoodwininsurance.com/condo-insurance): HO-6 coverage, master policies, loss assessment and water backup for Ohio condos and townhomes.
- [Renters Insurance](https://egoodwininsurance.com/renters-insurance): Belongings, liability and loss of use for Ohio renters and students.
- [Life Insurance](https://egoodwininsurance.com/life-insurance): Term, permanent, mortgage protection and key person coverage, compared across carriers.
- [RV, Boat & Pontoon Insurance](https://egoodwininsurance.com/rv-insurance): Motorhomes, travel trailers, boats and pontoons on Ohio lakes, winter storage.
- [Motorcycle Insurance](https://egoodwininsurance.com/motorcycle-insurance): Ohio riding season, 25/50/25, optional UM/UIM, gear and lay-up.
- [About](https://egoodwininsurance.com/about-mark-goodwin): Mark Goodwin (licensed since 1990) and Nikki Orlett, the Marion and Powell offices, and how an independent agency works for you.
- [Blog](https://egoodwininsurance.com/blog/): Ohio insurance guides by topic: home, storms and basement water, auto, long-term care, flood, landlord, renters, life and business.
- [Ohio Car Insurance Guide](https://egoodwininsurance.com/blog/auto-insurance/ohio-car-insurance-guide-requirements-costs-and-how-to-compare-quotes/): Ohio's 25/50/25 minimum, penalties for driving uninsured, optional UM/UIM, deer and comprehensive claims, NAIC Ohio premium averages and how to compare quotes.
- [Service Center](https://egoodwininsurance.com/service-center/): Pay a bill, report a claim, request certificates and ID cards, and carrier billing and claims contacts.
- [Marion Office](https://egoodwininsurance.com/marion/): The Marion office at 399 E. Church Street: hours, directions, coverage for Marion families and businesses.
- [Powell Office](https://egoodwininsurance.com/powell/): The Powell office at 74 E. Olentangy Street: hours, directions, coverage for Powell-area ZIPs.
- [Umbrella Insurance](https://egoodwininsurance.com/policies/umbrella-insurance/): Personal umbrella liability above home, auto and watercraft limits.
- [Health & Group Benefits](https://egoodwininsurance.com/policies/group-insurance-benefits/): Small-group health (fully insured, level-funded, MEWA), individual and family health, and employee dental, vision, life and disability.
- [Contractor Insurance](https://egoodwininsurance.com/policies/contractor/): Liability, tools and equipment, commercial auto, bonds and certificates for Ohio contractors and trades.
- [Garage & Dealership Insurance](https://egoodwininsurance.com/policies/garage-full-service-to-dealerships/): Garage liability, garagekeepers and dealer coverage for repair shops and dealerships.
- [Restaurant Insurance](https://egoodwininsurance.com/policies/restaurant/): Property, food spoilage, liquor liability and delivery coverage for restaurants and bars.
- [Aesthetics & Med Spa Insurance](https://egoodwininsurance.com/policies/aesthetics/): Professional liability coordination, equipment and cyber for med spas and aesthetic practices.
- [Fitness Studio Insurance](https://egoodwininsurance.com/policies/fitness-studios/): Liability, trainer professional liability and equipment for gyms and studios.
- [Health Professionals Insurance](https://egoodwininsurance.com/policies/health-professionals/): Dental practices, medical offices and other health professionals: office, liability, cyber and benefits.
- [Veterinarian Insurance](https://egoodwininsurance.com/policies/veterinarians/): Veterinary professional liability, animal bailee and clinic coverage.
- [Social Services Insurance](https://egoodwininsurance.com/policies/social-services-protection-package/): Coverage for nonprofits and social service agencies, including D&O and abuse coverage where needed.
- [Business Property Insurance](https://egoodwininsurance.com/policies/business-property-insurance/): Buildings, contents, inventory, equipment and business income.
- [Commercial Umbrella Insurance](https://egoodwininsurance.com/policies/commercial-umbrella-insurance/): Excess liability over general liability, commercial auto and employer's liability.
- [Employment Practices Liability](https://egoodwininsurance.com/policies/epli-insurance/): Wrongful termination, discrimination and harassment claims against employers.
- [Cyber Liability](https://egoodwininsurance.com/policies/cyber-liability/): Data breach response, ransomware and business interruption.
- [Directors & Officers](https://egoodwininsurance.com/policies/directors-and-officers/): D&O for nonprofits, HOA and condo boards, and private companies.
- [Professional Liability](https://egoodwininsurance.com/policies/professional-liability/): Errors and omissions and malpractice coordination.
- [Inland Marine](https://egoodwininsurance.com/policies/inland-marine/): Tools, equipment and property in transit or off-site.
- [Surety & Fidelity Bonds](https://egoodwininsurance.com/policies/bonds/): License and permit, contractor and fidelity bonds.
- [Concierge Directory](https://egoodwininsurance.com/concierge-directory/): Local businesses recommended by eGoodwin clients in Powell, Marion and nearby.
- [Concierge Program](https://egoodwininsurance.com/learn-about-our-concierge-program/): How the eGoodwin Concierge program works and how businesses get listed.
- [Recommend a Business](https://egoodwininsurance.com/submit-your-business/): Form to recommend a local business for the Concierge Directory.
- [Privacy Policy](https://egoodwininsurance.com/privacy) and [Terms of Use](https://egoodwininsurance.com/terms).

## For AI agents
- Request a quote: https://egoodwininsurance.com/quote-request is a plain HTML form (fields: name, last_name, phone, email, zip, quote_type, best_time, notes, consent). Only submit with the person's explicit permission to be contacted.
- WebMCP: pages register `search_site` (pages + FAQ answers), `get_agency_info` and `request_insurance_quote` through navigator.modelContext where the browser supports it.
- Search index: https://egoodwininsurance.com/search-index.json (every page plus every FAQ question and answer).
- Phone: (740) 387-8335 (Mon–Fri 9:00 AM–5:00 PM Eastern)

## Markdown copies
- [About Mark Goodwin | eGoodwin Insurance, Marion & Powell, Ohio](https://egoodwininsurance.com/about-mark-goodwin.md)
- [Auto Insurance in Marion & Powell, OH | eGoodwin Insurance](https://egoodwininsurance.com/auto-insurance.md)
- [Ohio Car Insurance Guide (2026): Requirements, Costs, Quotes](https://egoodwininsurance.com/blog/auto-insurance/ohio-car-insurance-guide-requirements-costs-and-how-to-compare-quotes/index.md)
- [Ohio Insurance Guides & Blog | eGoodwin Insurance](https://egoodwininsurance.com/blog/index.md)
- [Business Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/business-insurance.md)
- [Concierge Directory: Local Businesses Our Clients Recommend | eGoodwin Insurance](https://egoodwininsurance.com/concierge-directory/index.md)
- [Condo Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/condo-insurance.md)
- [Flood Insurance Marion, Delaware & Columbus, OH | eGoodwin Insurance](https://egoodwininsurance.com/flood-insurance.md)
- [Home Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/home-insurance.md)
- [eGoodwin Insurance | Independent Insurance Agency in Marion & Powell, Ohio](https://egoodwininsurance.com/index.md)
- [Landlord & Real Estate Investor Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/landlord-insurance.md)
- [Our Concierge Program | eGoodwin Insurance](https://egoodwininsurance.com/learn-about-our-concierge-program/index.md)
- [Life Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/life-insurance.md)
- [Asset-Based Long-Term Care Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/long-term-care-insurance.md)
- [Insurance Agency in Marion, Ohio | eGoodwin Insurance](https://egoodwininsurance.com/marion/index.md)
- [Motorcycle Insurance in Marion & Powell, OH | eGoodwin Insurance](https://egoodwininsurance.com/motorcycle-insurance.md)
- [Med Spa & Aesthetics Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/aesthetics/index.md)
- [Surety & Fidelity Bonds in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/bonds/index.md)
- [Business Property Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/business-property-insurance/index.md)
- [Commercial Umbrella Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/commercial-umbrella-insurance/index.md)
- [Contractor Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/contractor/index.md)
- [Cyber Liability Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/cyber-liability/index.md)
- [Directors & Officers (D&O) Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/directors-and-officers/index.md)
- [Employment Practices Liability (EPLI) Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/epli-insurance/index.md)
- [Fitness Studio & Gym Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/fitness-studios/index.md)
- [Garage & Auto Dealer Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/garage-full-service-to-dealerships/index.md)
- [Group Health & Employee Benefits in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/group-insurance-benefits/index.md)
- [Dental & Medical Office Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/health-professionals/index.md)
- [Inland Marine & Equipment Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/inland-marine/index.md)
- [Professional Liability (E&O) Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/professional-liability/index.md)
- [Restaurant Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/restaurant/index.md)
- [Nonprofit & Social Services Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/social-services-protection-package/index.md)
- [Umbrella Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/umbrella-insurance/index.md)
- [Veterinary Clinic Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/policies/veterinarians/index.md)
- [Insurance Agency in Powell, Ohio | eGoodwin Insurance](https://egoodwininsurance.com/powell/index.md)
- [Privacy Policy | eGoodwin Insurance, Marion & Powell, OH](https://egoodwininsurance.com/privacy.md)
- [Request a Free Insurance Quote | eGoodwin Insurance, Marion & Powell OH](https://egoodwininsurance.com/quote-request.md)
- [Free Home, Auto & Life Insurance Quote | eGoodwin Insurance](https://egoodwininsurance.com/quote.md)
- [Renters Insurance Columbus, Delaware & Marion, OH | eGoodwin Insurance](https://egoodwininsurance.com/renters-insurance.md)
- [RV, Boat & Pontoon Insurance in Ohio | eGoodwin Insurance](https://egoodwininsurance.com/rv-insurance.md)
- [Service Center | Pay a Bill, File a Claim | eGoodwin Insurance](https://egoodwininsurance.com/service-center/index.md)
- [Recommend a Local Business | eGoodwin Insurance](https://egoodwininsurance.com/submit-your-business/index.md)
- [Terms of Use | eGoodwin Insurance, Marion & Powell, OH](https://egoodwininsurance.com/terms.md)