At Gem-Young Insurance & Wealth Advisors, we believe in making a difference in our clients’ lives.
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Gem-Young Insurance & Wealth Advisors
Learn more about our agency.
Gem-Young Insurance & Wealth Advisors is a local, family-owned independent insurance and financial planning agency serving clients throughout Ohio and beyond. One of our major strengths is a client-centered team approach that recognizes that our reputation is based upon the success and satisfaction of our clientele. That’s why we make you our top priority, not the insurance company.
Since 1947, we’ve proudly been helping our community plan for their future by addressing the unique risks they face, finding them comprehensive insurance coverage, and guiding them through their financial goals. It may seem like a complicated and overwhelming process, but our experienced agents and advisors are here to guide you. Our goal is to help protect you from the unexpected and plan for the predictable all while securing your future.
Planning for Your
Financial Future
No matter what your goals are—whether you’re saving for retirement, college for your kids, or a home—our wealth advisors can help you plan for your financial future.
The Solution to Your Insurance Needs
Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Gem-Young Insurance & Wealth Advisors does best.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
We represent multiple insurance companies.
We are licensed insurance advisors.
We are by your side every step of the way.
We offer a wide variety of insurance solutions.
Our Business Associations
“Leo Daprile Jr. at Gem-Young is amazing! We had a tornado hit our house a couple weeks ago, and there was a lot of water damage from the high winds. There was also damage to our deck and skirting on the house. When I called Leo, he made sure that everything would be taken care of right away for us. He got me hooked up with a claim representative and they got the ball rolling with minimal effort on our end! They covered everything!! This has been such a sigh of relief for my husband and I since we are new home owners!! I HIGHLY recommend them if you’re looking for a new insurance guy!! Also, Leo saved us over $150 A MONTH in car insurance when we switched over!! Who can beat that?!”
Sarah Burns
“I’m very pleased with Gem Young Insurance. I recently switched over to them for a different insurance provider and couldn’t be happier. They were able to get me the best price on my insurance and the coverage is equal to if not better than what I had before. I now have 2 vehicles and 2 homes insured with them and they will be saving me several hundred dollars a year. The staff was very friendly and extremely eager to assist me. They have a customer for life.”
John M.
“Dennis White is professional and knowledgable of his business. He goes the extra mile for myself and my family to get us the best possible rates. I would always recommend Gem Young to my friends and family.”
Suzette G.
Real clients. Real reviews. Real coverage.
“Gem-Young has been easy to deal with and very helpful!”
– Alder T.
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Interactive Graphic
Click it. Read it. Cover it.
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
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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Top-Tier Agency
We’ve been recognized by several insurance carriers as a top-tier agency, including 27+ years in the Grange Leadership Circle.
Family-Owned
Our agency is owned by a second and third-generation family in the insurance and financial planning industry with deep community roots.
Experienced Agents
With over 74 years in business, we understand what it takes to bring you quality service and coverage to protect your future.
