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Harrington-Hoch Insurance
Learn more about our agency.
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.
Award-Winning
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.
Experienced Agents
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.
Find Out How
Harrington-Hoch Insurance + IIA Indiana
We strive to uphold Independent Insurance Agents of Indiana’s long-standing commitment to service.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Bodily Injury Liability Coverage
Risk Factor
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.
Solution
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.
Property Damage Coverage
Risk Factor
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. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Solution
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Risk Factor
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 care plan.
Solution
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
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.
Physical Damage Coverage
Risk Factor
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.
Solution
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.
Transportation Expenses / Rental Coverage
Risk Factor
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.
Solution
Transportation expenses/rental coverage 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
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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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