
Kristi Luzader
Insurance Professional
info@hitchingsinsurance.com
A Carey native with deep hometown roots, Kristi joined the insurance industry in 2014. As a Licensed Property & Casualty Agent and an Ohio Notary, she combines technical reliability with a genuine passion for helping her community. Whether she is volunteering, camping, or visiting family, Kristi’s focus is always on building strong, lasting connections.
Posts By Kristi Luzader

Understanding Blanket Insurance: Comprehensive Protection for Your Valuables
Updated: January 9, 2026
Protecting your valuable belongings is a top priority. Whether it's your jewelry collection, fine arts, or vast sports collectibles, you want assurance that these items [...]

Water Backup Coverage: What is it?
Updated: January 9, 2026
Owning a home can be both exciting and stressful. There are some things you never want to deal with as a homeowner. One is [...]

Protect Your Farm and Your Assets: Farm Dump Truck Insurance
Updated: January 9, 2026
Farm dump trucks are essential tools for many Ohio farmers. They handle everything from hauling grain and livestock feed to moving soil and construction materials. [...]

State Farm and Other Carriers Not Providing Hyundai and Kia Insurance
Updated: January 9, 2026
Car owners who drive a Hyundai or Kia are likely feeling the impacts of what a national increase in auto theft does to insurance. In [...]

Home Fire Insurance: Are Electrical Fires Covered?
Updated: January 9, 2026
Fires are devastating. They are deadly, destructive, and can spread extremely fast. For homeowners, their property catching fire is probably among the top 5 worst [...]

Do Credit Scores Affect Premiums?
Updated: January 9, 2026
Do Credit Scores Impact Insurance Premiums? In the United States, it’s common to use credit scores to gauge auto insurance or home insurance rates. Depending [...]

What to Do After an Automobile Accident
Updated: January 9, 2026
What to Do After an Automobile Accident So, you’ve gotten into a fender-bender. Someone behind you wasn’t paying attention when you pulled up to a [...]

Does Car Insurance Follow the Car or the Driver?
Updated: January 9, 2026
Understanding insurance coverage if someone else drives your vehicle. There are moments when you quickly need to borrow a friend’s vehicle, or perhaps you allow [...]

Collision Coverage Explained
Updated: January 9, 2026
What is collision coverage? The insurance industry uses a variety of different terms. It can be very confusing for people that do not have a [...]








