Full-Service Insurance. Local, Reliable, and Real.

Find the Right Coverage for Your Life

At Erhart-Stechschulte Insurance Agency, we offer a full range of coverage options to serve the people and businesses of Kalida, Ottawa, Cloverdale, Columbus Grove, and beyond. Whether you’re protecting your home, your car, your farm, or your livelihood, we’re here to make the process simple, honest, and tailored to real needs.

Home & Property Insurance

From homeowners and renters to landlords and condo dwellers, our home insurance services are built to fit where and how you live. We also offer protection for floods, earthquakes, and liability that extends beyond the basics.


Includes:

  • Homeowners Insurance
  • Renters Insurance 
  • Condo Insurance
  • Landlord Insurance 
  • Flood Insurance 
  • Earthquake Insurance 
  • Personal Umbrella Liability Insurance
A family is sitting on a couch holding a little girl.

Auto & Vehicle Insurance

Life moves fast — and we’re here to help you stay protected on the road. Whether it’s your daily driver, weekend cruiser, or family RV, we’ve got coverage that meets the way you travel.


  • Car Insurance 
  • Motorcycle Insurance
  • Classic Car Insurance
  • Boat & Watercraft Insurance
  • Recreational Vehicle Insurance
  • RV & Motorhome Insurance 
  • Personal Umbrella Liability Insurance 
A family is sitting in the back of a car with a dog.

Farm Insurance

Farms and rural property need specialized support. From crops and equipment to buildings and liability, we’re proud to offer coverage that understands the demands of farm life.


  • Crop Insurance 
  • General Farm Insurance
  • Equipment & Building Coverage 
  • Liability Coverage 
  • Farm Umbrella Insurance
A man and a little girl are walking a horse in a field.
A group of people are walking through a field holding hands.

Life & Health Insurance

Life changes — and so do your insurance needs. Whether you’re planning for the future or protecting what you’ve built, we’ll help you find coverage that offers lasting peace of mind.


  • Life Insurance 
  • Health Insurance 


Business Insurance

Running a business comes with enough risks — let’s minimize the ones you can control. We help small businesses across Ottawa, Columbus Grove, and nearby towns protect their people, property, and reputation.


  • Business Owners Policy (BOP)
  • Commercial Umbrella Insurance 
  • Commercial Property Insurance
  • General Liability Insurance
  • Commercial Auto Insurance
  • Workers’ Compensation Coverage
  • Surety Bonds
A woman is standing behind a counter in a coffee shop.

Not Sure Where to Start?

We’re here to walk you through your options, no pressure. Whether you need a quote or just a real conversation about what’s right for you, we’re only a call or a click away.

FAQs

  • How do I know which insurance coverage I really need?

    That’s exactly what we’re here for. We’ll start with a conversation to understand your needs — whether it’s for your home, farm, vehicle, life, or business — and then walk you through the most relevant options. No pressure, no jargon.

  • What makes an independent insurance agency different?

    As an independent insurance agency in Kalida, we aren’t tied to just one provider. That means we can compare multiple carriers to find the right coverage at the right value — all with the same friendly service you'd expect from a neighbor.

  • Do you offer bundled insurance options?

    Yes! Bundling home and auto, or combining business and property insurance, can often lower your costs. We’ll help you explore which combinations make sense for your situation.

  • Can I get a quote online or do I need to call?

    You’re welcome to do either. Some quotes can start online, while others may need a few quick questions by phone or email. Either way, we’ll make it easy.

  • Do you only work with individuals, or do you insure businesses too?

    We work with both. From personal life and auto coverage to business insurance in Columbus Grove and beyond, we’ve got you covered at every stage of life or growth.

  • What’s the benefit of having umbrella liability coverage?

    Umbrella coverage provides an extra layer of protection after your main policy limits are reached. It's especially helpful if you have significant assets, multiple properties, or want greater peace of mind across your personal or business life.