Business Details
45 Years
experience
Your Trusted Insurance Partner in Bowling Green, OH
Since 1981, Kathrens Insurance has served Bowling Green and surrounding Ohio communities with personalized insurance solutions. As a family-owned agency, we prioritize client relationships over corporate interests, offering access to multiple insurance carriers to secure optimal coverage and rates. Our team of licensed professionals brings decades of combined experience in auto, home, business, and farm insurance, ensuring tailored protection for individuals and organizations. We maintain transparency in all interactions, focusing on long-term client satisfaction rather than short-term sales.Our commitment to local communities is reflected in our hands-on approach to claims resolution and policy management. With weekday office hours and direct communication channels, we provide accessible, responsive service that larger agencies cannot match. Our reputation for integrity has been built through consistent advocacy for policyholders' interests across four decades.
Services
Auto Insurance
Home Insurance
Business Insurance
Farm Insurance
Crop Insurance
Umbrella Insurance
ATV Insurance
Motorcycle Insurance
RV Insurance
Renters Insurance
Details
- Year established: 1981
Highlights and features
- Family-owned agency serving northwest Ohio communities since 1981
- Independent access to multiple insurance carriers for best rate comparisons
- Licensed professionals with specialized expertise in multiple insurance lines
- Personalized policy reviews to ensure ongoing coverage optimization
- Direct communication with same agent from initial contact through claims resolution
What people say
Excellent customer service
Best coverage options
Quick claim resolution
Personalized approach
Competitive rates
Services
Auto Insurance
We provide comprehensive auto insurance coverage protecting against collision damage, liability claims, and uninsured motorists. Our policies include options for bodily injury protection, property damage coverage, and comprehensive protection against theft or natural disasters. Clients benefit from personalized rate comparisons across multiple carriers to find optimal coverage for their specific needs.
Home Insurance
Our home insurance policies protect residential properties against structural damage, personal property loss, and liability claims. Coverage includes dwelling protection, personal belongings, loss of use expenses, and liability insurance for accidents occurring on the property. We offer specialized flood insurance as separate policies through the National Flood Insurance Program.
Business Insurance
We offer tailored business insurance solutions including general liability, commercial auto, and property coverage. Our Business Owners Packages combine essential protections at discounted rates while workers' compensation and professional liability policies address specific industry needs. Commercial umbrella policies provide additional liability coverage beyond primary policy limits.
Farm Insurance
Our farm insurance packages protect agricultural operations with coverage for farm property, equipment, and liability risks. Policies include specialized crop insurance options and farm truck coverage. We provide risk management solutions tailored to both small family farms and large-scale agricultural businesses in northwest Ohio.
Umbrella Insurance
We offer umbrella insurance policies that provide additional liability coverage beyond standard auto and home insurance limits. These policies protect against catastrophic losses and legal judgments that exceed primary policy coverage amounts. Our umbrella policies can cover multiple properties and vehicles under a single comprehensive plan.
People
Brandon Morgart
Agency Owner
Licensed insurance professional since 2001, purchased agency from grandparents in 2010. Specializes in all insurance products offered. Active in local agriculture community with grass-fed cattle operation.
Sara Clark
Agent
Licensed Property and Casualty agent since 2016 with prior nursing experience. Focuses on policy quoting and modifications while supporting local sports teams through family involvement.
Jared McElmurry
Agent
Insurance industry professional since 2016, joined Kathrens in 2024. Provides coverage solutions while supporting local sports teams and outdoor recreation activities through personal interests.
Kate Wiggins
Billing Specialist
Handles administrative and billing operations since 2025. Former HR professional with focus on client communication and volleyball coaching. Manages day-to-day office operations efficiently.
Noah Brand
Agent
New client specialist since 2025, recent BGSU graduate with insurance industry experience. Provides modern perspective on coverage options while maintaining traditional customer service values.
Questions
What types of insurance do you offer?
We provide auto, home, business, farm, crop, umbrella, ATV, motorcycle, RV, and renters insurance policies tailored to individual and commercial needs.
How do you find better insurance rates?
As an independent agency, we compare rates across multiple carriers to find optimal coverage at competitive prices for each client's specific situation.
Can you help with existing insurance claims?
Yes, our agents assist with claim filing processes and coordinate with insurance carriers to ensure timely resolution of existing policies.
Do you offer online policy management?
We provide online service options for policy changes, payments, and document submission while maintaining direct agent communication channels.
Are you locally owned and operated?
Yes, we're a family-owned agency serving northwest Ohio since 1981 with three generations of local insurance expertise.
