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Commitment To Service, Driven By Integrity

Love Insurance Agency is an independent agency right here on Center Street in the heart of Chardon, comparing rates across 30+ top carriers so you never overpay. We protect our clients like family because in a close-knit community like ours, that's exactly what you are.

Customized Protection Tailored to Your Life

Whether it's your home in Chardon, your growing business, or anything in between, we will connect you with the ideal coverage at the perfect price. Since 1950, Love Insurance Agency has been protecting American families and businesses like family.

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Personal Insurance

Safeguard your home, vehicles, and loved ones with insurance plans customized for life in Ohio and across the country. From auto and homeowners to flood, life, and umbrella coverage, we shop top carriers to find the right protection at the right price.

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Commercial Insurance

Ensure your business is protected from the start and throughout every phase of its growth. From general liability and commercial auto to trucking, we build coverage that fits your operations and budget.

INDUSTRIES WE SERVE

Specialized Coverage for the Industries We Know Best

Not all businesses face the same risks. With 76 years of experience, Love Insurance Agency builds tailored policies for the industries we understand inside and out, from transportation and construction to municipalities and government entities across Northeast Ohio.

Transportation


Coverage for trucking, fleet operations, and transportation companies. From commercial auto to cargo liability, we protect your vehicles and drivers on the road.


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Construction


Tailored protection for contractors, builders, and construction firms. From general liability and workers' comp to builder's risk, we cover your crew and your projects.


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More Carriers Means More Savings for You

Because we're independent, we work for you, not one insurance company. We compare coverage from over 30 carriers like Travelers, Grange, Progressive, Nationwide, Safeco, The Hartford, Chubb, Liberty Mutual, and Merchants Insurance to make sure every policy we recommend is the right fit at the right price for families and businesses across Chardon and beyond.

  • AIG
  • American Modern
  • AmTrust
  • Assurant
  • Banner Life
  • Anthem
  • Chubb
  • Farmers Insurance
  • Foremost
  • Forge Insurance
  • Grange Insurance
  • Great American Insurance
  • Guard
  • Hanover Insurance Group
  • The Hartford
  • Liberty Mutual
  • Merchants Insurance Group
  • Partner
  • Midwest Family
  • National General Insurance
  • Nationwide
  • Ohio Mutual
  • Philadelphia Insurance
  • Principal
  • Progressive
  • Safeco Insurance
  • State Auto Insurance
  • TAPCO
  • Travelers
  • UnitedHealthcare
  • Utica First
  • Zurich Insurance
  • AIG
  • American Modern
  • AmTrust
  • Assurant
  • Banner Life
  • Anthem
  • Chubb
  • Farmers Insurance
  • Foremost
  • Forge Insurance
  • Grange Insurance
  • Great American Insurance
  • Guard
  • Hanover Insurance Group
  • The Hartford
  • Liberty Mutual
  • Merchants Insurance Group
  • Partner
  • Midwest Family
  • National General Insurance
  • Nationwide
  • Ohio Mutual
  • Philadelphia Insurance
  • Principal
  • Progressive
  • Safeco Insurance
  • State Auto Insurance
  • TAPCO
  • Travelers
  • UnitedHealthcare
  • Utica First
  • Zurich Insurance
  • AIG
  • American Modern
  • AmTrust
  • Assurant
  • Banner Life
  • Anthem
  • Chubb
  • Farmers Insurance
  • Foremost
  • Forge Insurance
  • Grange Insurance
  • Great American Insurance
  • Guard
  • Hanover Insurance Group
  • The Hartford
  • Liberty Mutual
  • Merchants Insurance Group
  • Partner
  • Midwest Family
  • National General Insurance
  • Nationwide
  • Ohio Mutual
  • Philadelphia Insurance
  • Principal
  • Progressive
  • Safeco Insurance
  • State Auto Insurance
  • TAPCO
  • Travelers
  • UnitedHealthcare
  • Utica First
  • Zurich Insurance
  • AIG
  • American Modern
  • AmTrust
  • Assurant
  • Banner Life
  • Anthem
  • Chubb
  • Farmers Insurance
  • Foremost
  • Forge Insurance
  • Grange Insurance
  • Great American Insurance
  • Guard
  • Hanover Insurance Group
  • The Hartford
  • Liberty Mutual
  • Merchants Insurance Group
  • Partner
  • Midwest Family
  • National General Insurance
  • Nationwide
  • Ohio Mutual
  • Philadelphia Insurance
  • Principal
  • Progressive
  • Safeco Insurance
  • State Auto Insurance
  • TAPCO
  • Travelers
  • UnitedHealthcare
  • Utica First
  • Zurich Insurance

Why Choose Us?

Proudly Serving Chardon and Customers Across the Country for 76 Years

From the heart of Geauga County to communities across Ohio, Love Insurance Agency has been a trusted name our neighbors count on. Our experienced team is dedicated to protecting what matters most to you, your family, and your business.

70+

Years of Protecting American Families

Founded in 1950 by Richard P. Love Sr., our agency has been a Chardon cornerstone for over seven decades. That kind of longevity isn't luck, it's built on trust, integrity, and treating every client like family.

30+

Top-Rated Insurance Carriers

As an independent agency, we aren't locked into one company. We shop and compare over 30 trusted carriers so you get the best coverage and savings available in Chardon and beyond.

3

Generations of Local Roots

The Love family has been part of the Chardon community for three generations. Our office on Center Street is not just where we work, it is where we live, shop, and raise our families.

1-on-1

Personal Service, Every Time

No call centers. No automated menus. When you call, you reach people like Ashley and Kenya who already know your name, your policy, and what matters most to your family.

Customer Testimonials

Real Stories from Real Neighbors

Don't just take our word for it. Hear from the families and businesses across the country who trust Love Insurance Agency to protect what matters most.

Paying Too Much for Coverage That Doesn't Fit?

Let us do the shopping for you. We'll compare rates across 30+ trusted carriers and find a policy that protects what matters most to your family or business, without stretching your budget. Chardon families have trusted us since 1950. See why.

Ready in Minutes, Protected for Years

Reach out to Kelly, our approachable voice assistant, or simply complete a brief form. Whichever option you choose, you’ll promptly receive a response from an actual person.

Call Us 24/7

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

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Kelly

Speak to Kelly 24/7

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Start your custom insurance quote

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Instant answers to your insurance questions

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Stay Informed

Insurance Tips and Insights

Stay informed with helpful articles on coverage, savings, and protecting what matters most to you.

Two people work on laptops at a conference table, with headphones and papers visible in the foreground.

Why You Should Work With an Independent Insurance Agency

By Love Insurance Agency • April 8, 2026
Discover how independent agents offer more choices, personalized service, and competitive rates. Learn why working with Love Insurance Agency makes sense.
A red general store with white trim and a wrap-around porch, featuring an ice cream sign and a car parked in front.

Commercial Insurance 101: What Every Ohio Small Business Owner Needs to Know

By Love Insurance Agency • April 8, 2026
Ohio small business owners need these commercial insurance basics. Learn about required coverage, liability protection, and how to protect your business properly.
A person in a gray blazer shakes hands with a smiling man in a denim jacket while a person in a tan trench coat watches.

5 Ways Chardon Homeowners Can Save on Insurance This Year

By Love Insurance Agency • April 8, 2026
Chardon homeowners can cut insurance costs with these five proven strategies. Get expert tips from Love Insurance Agency to lower your premiums today.

Frequently Asked Questions

Got Questions About Insurance?

Insurance can be confusing, but it doesn't have to be. Here are answers to some of the most common questions we hear from our clients in Chardon and across the country.

  • What is the cheapest car insurance in Chardon, OH?

    The cheapest car insurance depends on your driving record, vehicle, and coverage needs. As an independent agency, Love Insurance shops multiple carriers like Progressive, Safeco, Nationwide, and more to compare rates and find you the best value without sacrificing the coverage you need.

  • How much does homeowners insurance cost in Northeast Ohio?

    Homeowners insurance rates in Northeast Ohio vary based on your home's age, location, and coverage level. Our team at Love Insurance compares quotes from top rated carriers to help you get the right protection at a price that fits your budget.

  • Why should I use an independent insurance agent?

    An independent agent works for you, not for one insurance company. That means we can shop dozens of carriers to find you better coverage at a better price. We also provide personalized guidance and are here to help with claims, renewals, and policy changes whenever you need us.

  • What types of insurance do I need in Ohio?

    At a minimum, Ohio requires auto liability coverage. Beyond that, most families benefit from homeowners or renters insurance, life insurance, and an umbrella policy. Business owners should also consider general liability, commercial auto, and workers' compensation depending on their operations.

  • How can I lower my insurance premiums?

    Bundling your home and auto policies, maintaining a clean driving record, raising your deductibles, and asking about available discounts are all great ways to save. Our agents will review your current coverage and find every opportunity to reduce your premiums without leaving gaps in protection.