A row of five solid black stars, representing a five-star rating.

Insurance That Feels Like Home

Since 1987, Ohio families and businesses have trusted Ley Insurance for honest guidance, competitive rates, and coverage that actually fits. No pressure. No fine print surprises. Just neighbors helping neighbors.

Happy secured people

39+

Years of experience

A shield icon containing a checkmark, symbolizing security or verification.

Comprehensive Coverage for Life in Ohio

We offer tailored insurance solutions for Ohio families and businesses, ensuring the security and peace of mind to navigate life and work in the Buckeye State.

A simple line icon showing a human figure protected by an umbrella held between two cupped hands.

Personal Insurance

Your life in Ohio is unique, and your protection should be too. From safeguarding your family home in Lima to covering your boat, motorcycle, or RV, we offer a complete suite of Personal Insurance solutions—including Auto, Homeowners, Life, Renters, and Flood coverage—to secure your lifestyle and peace of mind.

An umbrella protecting a document with a pen and a coin with a dollar sign symbol on it.

Commercial Insurance

Ohio businesses rely on comprehensive protection. Your company deserves coverage that grows with your vision. We offer robust solutions - from General Liability and Commercial Property to Cyber Liability - with the local support you need to operate with confidence.

The Best Carriers, Working for You

We've partnered with top-rated insurance companies so you get access to more coverage options, competitive rates, and the personalized service you deserve.

Logo for Celina Insurance Group, featuring the text
Blue
The dark blue and white logo for Safeco Insurance.
The Travelers logo features the word
The Nationwide logo featuring a stylized eagle silhouette inside a blue
Logo for Wyandot Mutual Insurance Co. with dark blue text for the company name and gray text for Insurance Co.
The Foremost Insurance Group logo featuring a stylized blue letter F inside a square next to the black company name.
The word

Ohio Grown

Helping Neighbors Navigate Insurance Since 1987

What started as a commitment to serve Lima has grown into nearly four decades of protecting Ohio families and businesses. We're not a call center or a faceless corporation—we're your neighbors who happen to know insurance inside and out. Our approach is simple: listen first, explain clearly, and never sell you something you don't need.

Built on Experience, Driven by Trust

Numbers tell part of our story, but the relationships behind them matter most. Here's what nearly four decades of dedication looks like.

38 +

Years Protecting What Matters Most

Serving Ohio families and businesses since 1987.

12

States Where We're Licensed to Help

Coverage that travels with you across the country.

customer testimonials

What Our Neighbors Are Saying

Don't just take our word for it. Hear from real clients who've experienced the Ley Insurance difference firsthand.

Tired of Feeling Confused by Insurance?

You deserve clear answers and coverage that makes sense for your life - not a sales pitch. Let's talk about what you actually need and find a policy that fits your budget.

Request Your Free Quote in Minutes

Talk to Kelly, our friendly voice agent, or fill out a quick form. Either way, you'll get personalized guidance without the hassle.

Call Us 24/7

Get started on a quote anytime, day or night. Kelly walks you through each step, answers common questions, and makes the process effortless!

Black telephone handset icon.

Kelly

i
Kelly is not a licensed insurance agent. Only licensed agents can provide quotes or coverage recommendations. Calls may be reviewed for quality and training purposes.

Speak to Kelly 24/7

Microphone icon.

Microphone ready

Black check mark.

Start your custom insurance quote

Black check mark.

Instant answers to your insurance questions

Black check mark on a white background.

Schedule appointments or follow-ups

OR

Leave Us a Note

Fill out the short form below and our local team will reach out with your custom quote.

Contact Us

By providing your phone number and submitting this form, you consent to receive informative SMS messages from Ley Insurance at the number provided. Consent is not a condition of purchase. Message & data rates may apply. Message frequency varies. Unsubscribe at any time by replying STOP or Reply HELP for help. View Terms of Service and Privacy Policy for more information.

Let's Find Your Perfect Policy

A simple black line icon of a closed envelope representing email.

Email

A black line icon of a telephone handset with sound waves, indicating an active call or contact.

Phone

A black outline icon of a briefcase centered over a map location pin.

Office

513 North Cable Road Lima, OH 45805

Ohio

Insurance Tips & Insights

Your Insurance Agent

Do I Really Need an Insurance Agent When I Can Buy Online?

February 20, 2026
Deciding between buying insurance online or using an agent? Learn the real differences, hidden costs of DIY coverage, and when agents save you money.
Insurance Types

What Types of Insurance Do You Offer? Your Complete Coverage Guide

February 20, 2026
Explore comprehensive insurance options for individuals and businesses. From auto and home to commercial liability and specialty coverage—find protection.
Insurance cost

How Much Does Insurance Cost? A Realistic Guide to Premium Pricing

February 20, 2026
Wondering about insurance costs? Learn what affects your premiums for auto, home, and business coverage, plus tips to save money on policies you need.

Frequently Asked Questions

Got Questions About Insurance?

Insurance can be confusing, but it doesn't have to be. Here are answers to common questions from our clients.

  • What's the difference between an independent agency and a captive agency?

    A captive agency represents just one insurance company, so your options are limited. As an independent agency, we work with multiple top-rated carriers to shop around on your behalf, giving you more choices, better rates, and coverage that truly fits your needs.

  • How much does insurance cost?

    Every policy is different because every person and business is different. Your rates depend on factors like coverage type, location, and risk profile. The good news? We compare quotes from multiple carriers to help you find the best value for your situation.

  • What types of insurance do you offer?

    We offer a full range of personal insurance (home, auto, renters, life, and more), commercial insurance (general liability, business auto, property, and more), and specialty coverage for unique needs like boats, RVs, weddings, and events.

  • How do I file a claim?

    If you need to file a claim, simply give us a call at 419-222-2454 or visit our Service Center online. We'll guide you through the process and advocate on your behalf to help ensure a smooth resolution.

  • Do I really need an insurance agent when I can buy online?

    You can buy insurance online, but having a local agent means you get personalized advice, someone to answer your questions, and an advocate when you need to file a claim. We're here to make sure you're properly covered, not just sold a policy.