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Since 1933, Harrington-Hoch Insurance has been the one-stop-shop for our community’s insurance needs because our customers are our top priority. As an independent insurance agency, we work with several top-rated carriers to bring you the right blend of coverage, price, and service to meet your unique needs.
Insurance is a complicated process. We work with you to not only understand your individual risks but to help you understand your policy so you can have confidence in your coverage. Our experienced agents will guide you from obtaining coverage to your first claim, that way you can rest easy knowing you’re protected. We’ll help protect you from the present and prepare you for the future.
Find us in Richmond, IN and Cambridge City, IN.
The Solution To Your Insurance Needs
Providing a variety of personal insurance, business insurance, life and health insurance, and employee benefits solutions is what Harrington-Hoch Insurance does best.
What Makes Harrington-Hoch Insurance Special
Here’s what sets us apart when it comes to serving your insurance needs.
We have won several awards because we are committed to our customers and their needs.
Clients Come First
We go the extra mile to exceed your expectations, no matter what you need or when you need it.
With 87+ years in business, we understand what it takes to bring you quality coverage and service.
Harrington-Hoch Insurance + Keystone
We use the resources from our partnership with
Keystone to help serve you.
Harrington-Hoch Insurance + IIA Indiana
We strive to uphold Independent Insurance Agents of Indiana’s long-standing commitment to service.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Auto Insurance 101
Make sure you cover the unique risks you face with auto insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
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“I have had my insurance with Harrington-Hoch my whole adult life. Always professional and prompt. Debbie is a great agent to have.”Cris Jurgens
“Zach Tompkins was very efficient and courteous while answering all of my questions, and I feel that he truly knows what he is talking about.”Justin Shurte
“Harrington-Hoch is a great place with a great staff. Very professional and timely-mannered.”Ben Singer
Real clients. Real reviews. Real coverage.
“They have proactively looked at my rates and found me better deals whenever they were available. I have referred multiple people to them over the years and will continue to do so.”
– Elizabeth Williams
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