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The state of Ohio requires that you comply with the state’s Financial Responsibility (or FR) Law. The FR law requires each Ohio driver to demonstrate an ability to pay for injuries to other people or damages to other people’s property if the driver causes an accident. Buying insurance is one way to show financial responsibility and the easiest way to comply with the FR law.

Depend on Krueger Insurance to provide auto insurance that fits the way you drive:

  • Liability coverage consists of bodily injury and property damage limits to protect you against the claims of other people for injury and/or damage to their property in an accident for which you were at fault.
  • Physical damage coverage consisting of collision and comprehensive coverage that pays for damage to your own car. This coverage is not mandatory, but may be required by your lender or lessor.
  • Medical payments which provide benefits for injury to passengers in your own car.
  • Uninsured motorists coverage which provides protection for injuries to you and your passengers if the vehicle causing the accident had either no liability coverage or very minimal coverage.

Other options and enhancements:

  • Emergency road service
  • Car rental reimbursement
  • Loan/lease gap coverage

You may also qualify for special discounts:

  • Multi-car discount
  • Auto-home discount
  • Good student discount
  • Safe driver discount

We also provide complete coverage for:

  • Motorcycles
  • Motor homes
  • Camping trailer and travel trailers
  • Recreational vehicles, snowmobiles and jet skis
  • Antique and classic cars

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Home | Renters | Condo

Homeowners need a homeowner's package to protect their homes and personal property. Tenants need a renter's package to protect their furnishings and other personal property. Both homeowners and renters need liability for accidents that injure other people or damage property.

Let Krueger Insurance design a homeowner’s package that includes the following coverage:

  • Dwelling protection for the house structure.
  • Other structures for buildings or structures not attached to the main home.
  • Personal property coverage for your furniture, appliances, tv’s, clothing and other personal property.
  • Loss of use coverage to provide funds for additional living expenses if your home is damaged and you can’t live in it while being repaired.
  • Personal liability coverage to pay damages if you’re legally liable for someone’s bodily injury or property damage as a result of an accident.
  • Renter's package which covers all of the above except the dwelling and other structures.
  • Optional coverages such as replacement cost coverage, identity theft, sewer and drain back-ups, and equipment breakdown are also available.
  • For condo owners Krueger Insurance also has package policies that provide for the unique needs of these properties.


For added peace of mind protection, have Krueger Insurance quote an umbrella liability policy that will add a minimum of $1,000,000 in additional liability protection over the auto and home/renter/condo policies.

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Life insurance provides money to beneficiaries after an insured loved one dies. Most employer sponsored life benefits are only in place while you work for a given employer. The Ohio Department of Insurance urges consumers to regularly review their need to secure life insurance as part of their financial and estate planning.

Three primary types of life insurance:

Term Life

Term life provides life insurance protection for a specified term of years for a specified premium. The policy does not accumulate any cash value. Term insurance premiums are typically the lowest premium cost.

Whole Life

Whole life insurance provides for a level premium and a guaranteed cash value. Cash values can be accessed through policy loans which decrease the death benefit if not paid back. Premiums are typically much higher than term insurance for the same death benefit.

Universal Life

Universal life insurance provides permanent insurance coverage with greater flexibility in premium payment and potential for a higher internal rate of return. Universal life includes a cash account. Interest is paid within the policy and mortality charges and administrative charges are charged against the cash account.

Life insurance can help:

  • Replace your income with non-taxable death benefits
  • Reduce the financial burden on your family of having to continue without you
  • Help pay for your child(ren)’s college tuition
  • Pay the mortgage, car note, and other debts you leave behind
  • Pay your funeral expenses and estate taxes


While many people have health insurance from their employer, there is an increasing number of individuals whose employer can’t afford the cost of providing employee health insurance, individuals who leave a job and exhaust their continuation rights, and individuals who are unemployed and without health insurance.

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  • Krueger insurance can assist individuals with major medical plans offering a wide selection of deductible, doctor, and prescription co-pays and coinsurance options.
  • We also offer small group health plans for employers who provide health insurance benefits to their employees.
  • For those individuals who are Medicare eligible, Krueger Insurance can assist you with Medicare supplement plans and provide information on Medicare Advantage and Medicare Part D prescription plans.
  • If you need temporary coverage between jobs, we also have short major medical coverage available.

Krueger Insurance Agency
11418 Bellamy Road 
Berlin Heights, Ohio 44814
Phone: 419-588-2335

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