The Western Reserve Group offers a comprehensive and competitively priced portfolio of personal, farm, and commercial insurance products. The products are backed by experienced employees dedicated to providing the best possible products and service to agents and policyholders.

Personal Auto Enhancement

These days, we all want the best value for our insurance dollar. Western Reserve Group’s Personal Auto Enhancement Endorsement provides hundreds of dollars worth of extra protection for a nominal fee. Its broader coverage and extra features include…

  • Replacement Cost for eligible vehicles
  • Trip Interruption
  • Personal Contents Coverage
  • Rental Car Loss of Use
  • Locksmith Service
  • Airbag Replacement
  • Medical Payments Coverage ~ Death Benefit
  • Rental Car ~ Diminution in value
  • Car Key Replacement

Replacement Cost Coverage

We understand there is nothing like the feeling of owning a new car and the need to protect your investment. Replacement Cost Coverage pays for the cost of a new vehicle, of the same make and model, in the unfortunate event of a covered total loss to your vehicle during the first year of ownership.

Trip Interruption Coverage

If you are looking for peace of mind during your next vacation, Trip Interruption Coverage is for you. This coverage is triggered when a breakdown or accident prevents the use of your car for more than 24 hours and you are more than 100 miles from home. We will reimburse you up to $150 per day to a maximum of $600 for lodging or meal expenses, if you are involved in an accident with your vehicle. In addition to lodging or meal expenses, if your vehicle should suffer a mechanical or electrical breakdown, reimbursement for reasonable transportation expenses is included in the coverage limit.

Personal Contents Coverage

Think about the personal items that you carry in your vehicle. This could be your luggage for a trip or your groceries when you are on your way home from the supermarket. This could also include your beloved pet while riding in your car. We will pay up to $500 for loss or damage to your personal property which is in your auto at the time of an accident.

Rental Car Loss Of Use Coverage

Did you know you may be responsible for additional rental fees if a vehicle you rent from a licensed rental car agency is damaged while in your possession? We will reimburse you up to $1,000 for such fees.

Locksmith Service

Imagine being away from home and discovering you have accidentally been locked out of your car. We will pay up to $150 for the services of a locksmith.

Airbag Replacement

Safety features are an important part of your automobile. Should your airbag deploy due to a failure that is not the result of an accident, we will reimburse you up to $2,500 to reinstall the airbag.

Medical Payments Coverage ~ Death Benefit

No one likes to consider the possibility of a life cut short as the result of an automobile accident. Wouldn’t it be comforting to know that we will pay a $5,000 death benefit in the event of your untimely death or that of your spouse? In addition, we will provide a $2,000 death benefit for each family member.

Rental Car ~ Diminution in Value

Auto accidents are an inconvenience, especially if driving a rental vehicle, and may result in diminution of value. Diminution of value is the actual or perceived loss in market value or resale value which might result from a direct and accidental loss to a rented vehicle. This enhancement expands coverage up to $5,000 to protect against these types of claims.