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

    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

    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 [...]

  • Farm Dump Truck Insurance

    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

    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?

    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

    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

    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

    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

    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 [...]