Your Marion insurance agency, right on East Church Street.

The agency started here. So did Mark.

Mark Goodwin grew up in Marion and went to River Valley High School. He has been a licensed insurance professional since 1990. He took over his father's local family agency and grew it from here into the independent agency it is today, with a second office in Powell and clients across Ohio. Office manager and agent Nikki Orlett grew up in Marion too.

So when we talk about Marion, we're not reading off a map. We know the older homes near the Harding Home and the Marion County Courthouse, the neighborhoods around Glenwood Park and the families who show up at the Marion County Fairgrounds every summer. We also know the manufacturers that keep a lot of this town working, and the small businesses that serve them.

What hasn't changed since the family agency days is the approach. We help you buy insurance rather than sell it to you. We represent multiple insurance companies, shop your coverage across several of them and guide you through the whole process, from the first quote to managing your protection as your needs and the insurance market change. We work for you, not an insurance company. Meet Mark and Nikki.

What we look at first in Marion. Weather, water and the road.

Every policy is different, but the same few questions come up again and again with Marion clients. Here's how we think about them.

Ohio storms and winter

Spring and summer bring severe thunderstorms, straight-line winds, hail and the occasional tornado. Winter brings freezes, burst pipes, ice dams and heavy snow. Wind, hail and sudden pipe bursts are typically covered on a homeowners policy, subject to your deductible. Some policies carry a separate wind/hail deductible, figured as a percentage of the dwelling limit, so it's worth knowing your number before storm season.

Basements and water backup

Plenty of Marion homes have basements, and a lot of them are older. Water that backs up through a sewer or drain, or overflows when a sump pump fails, is usually excluded from a standard homeowners policy unless you add a water backup endorsement. A storm that knocks out the power can stop a sump pump right when it's needed. We'll show you the endorsement limits side by side. The same applies to condo and renters policies.

Flooding near the Little Scioto River

Flood is a separate peril from backup, and standard homeowners policies don't cover it. Homes near the Little Scioto River and along local creeks can see water rise quickly in heavy rain. A flood policy is a separate purchase, NFIP policies generally have a 30-day waiting period, and lenders require flood coverage for homes in high-risk zones. Check your zone instead of assuming.

Driving in and out of Marion

Ohio's auto minimum is 25/50/25: $25,000 of bodily injury coverage per person, $50,000 per accident and $25,000 of property damage. Ohio is an at-fault state, and uninsured/underinsured motorist coverage and PIP are optional. A lot of Marion drivers commute down US-23 or across SR-4 every day, and the minimum often doesn't go far after a serious crash. We'll show you what higher limits and UM/UIM may cost before you decide. If you have a home and assets to protect, an umbrella policy adds another layer on top.

Marion businesses and rental owners

From storefronts to dental and medical offices to rental properties, we write business insurance and landlord coverage too. Ohio workers' comp is bought through the Ohio Bureau of Workers' Compensation (BWC), not private carriers. We can help you coordinate it with the rest of your business policy.