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About Us
Elliott Insurance has been protecting families, individuals, and businesses in Springfield and beyond since 1933. As a fourth-generation, independent agency, we combine modern tools with neighborly service to deliver coverage that fits your life. With access to multiple top-rated carriers, we shop the market for you, balancing cost, coverage, and peace of mind.
The Elliott Experience
What makes us different
Insurance shouldn’t feel complicated. That’s why we’ve built The Elliott Experience: a straightforward approach that blends digital convenience with personal attention. When you work with us, you can expect:
Clarity
Simple, plain-English explanations of your options.
Choice
Access to multiple carriers so you get the best fit, not just the first offer.
Consistency
Regular check-ins to ensure your coverage grows with you.
Care
Advisors who treat you like family and advocate for you when you need it most.
Insurance Questions?
We’re Here to Help
Start your quote using our form and let us do the shopping for you, give us a call to discuss your needs, or email us to get connected today.
Reach Out Today
Office Hours
Monday–Thursday: 8:30 AM – 5:00 PM
Friday: 8:30 AM – 4:00 PM
Saturday & Sunday: Closed
We proudly serve Springfield and the surrounding communities, including New Carlisle, Enon, Urbana, South Vienna, and South Charleston. Licensed in Ohio and select additional states, we’re here for you whether you’re local or relocating.
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Frequently asked questions
Select a category to learn more or give us a call with your questions, we are happy to help.
Do I really need renters’ insurance if my landlord has coverage?
Yes. Your landlord’s insurance only protects the building, not your belongings or liability. Renters insurance covers your property and protects you if you’re responsible for injury or damage.
What’s the difference between homeowners’ and condo insurance?
Homeowners insurance covers the entire home, inside and out. Condo insurance fills the gaps left by your condo association’s policy, protecting your unit’s interiors, upgrades, and belongings.
Why should I consider umbrella insurance?
Umbrella insurance provides extra liability coverage beyond your home or auto policy. It’s affordable and helps protect your assets from major lawsuits or claims.
What affects my auto insurance rates the most?
Driving history, vehicle type, age, location, and coverage limits are all factors. Bundling policies and maintaining a clean record can often reduce your rate.
Do I need separate insurance for a motorcycle or an RV?
Yes. Standard auto policies don’t fully cover motorcycles, RVs, or recreational vehicles. These require specialized policies designed for their unique risks.
What’s the benefit of classic car insurance over a standard auto policy?
Classic car policies provide agreed value coverage and protect authentic parts, so your vehicle’s value isn’t reduced by depreciation.
When is the best time to buy life insurance?
The younger and healthier you are, the more affordable your premiums. However, it’s never too late to protect your family’s financial future.
What’s the difference between term and whole life insurance?
Term life covers you for a set period (10–30 years) at a lower cost. Whole life lasts your entire life, builds cash value, and can be borrowed against.
Why consider long-term care insurance?
Healthcare costs for extended care can drain savings quickly. Long-term care insurance helps pay for services like in-home care, assisted living, or nursing facilities.
Why do small businesses need general liability insurance?
Even small operations face risks like customer injuries or property damage. General liability covers legal costs and settlements that could otherwise sink your business.
Is workers’ compensation required in Ohio?
Yes. Most employers are required to provide workers’ comp to cover employees injured on the job. Requirements vary by state, but compliance is essential everywhere.
What is cyber liability insurance, and do small businesses need it?
Cyber liability covers the costs of data breaches, hacking, or ransomware attacks. Even small businesses handle sensitive data, making coverage increasingly important.
What are surety bonds, and who needs them?
Surety bonds guarantee a project will be completed or obligations will be met. They’re often required in construction and government contracts.
How do I file a claim with Elliott Insurance?
Call our office or email us, and we’ll guide you step by step. We’ll also communicate directly with your carrier to make the process easier.
Can I change my coverage mid-policy?
Yes. Life changes quickly, whether you buy a new car, move, or expand your business. We’ll help adjust your policy so you’re always covered.
How often should I review my insurance policies?
At least once a year, or after major life events (marriage, moving, business expansion, new vehicle, etc.). We’ll review your coverage with you to make sure nothing slips through the cracks.
Blog & News
Check back soon! We’ll be sharing helpful tips, informative blog posts, and updates on Elliott Insurance, from new coverage options to local community news. Our goal is to provide resources that make insurance simpler, smarter, and easier to understand.