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Smucker Insurance Agency, Inc.

154 North Chillicothe Street
Plain City, OH 43064

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Smucker Insurance Agency, Inc. Blog

What Home Insurance Actually Covers

Home insurance is part of the responsibility of owning a home.  It protects your investment in the property but it also protects you financially should it be damaged or destroyed.  This peace of mind allows you to enjoy your home with fewer worries.  However, do you really understand everything that your policy’s coverage provides?  The team of agents at Smucker Insurance Agency Inc. work with homeowners in the Plain City, OH area to not only get the coverage they need but to understand the intricacies of the policies they purchase.

Most homeowners know that their home is protected from threats such as a fire or severe weather damage.  This coverage extends to any outbuildings or structures on the property.  This includes storage shed, pergolas and fencing.  It also covers the home’s contents and personal possessions.  Home insurance policies also provide liability coverage in case anyone is injured on the property due to the homeowner’s negligence.  While it will cover the injured party’s medical expenses, it will also address legal fees if they decide to sue.  This is an important facet of the policy because these expenses can be financially devasting.  Should your home be damaged and uninhabitable, it will cover the additional expenses of a hotel and meals until you can return.  Personal items, such as laptops, can also be covered if they are stolen even when you are away from home.

The agents at Smucker Insurance Agency Inc., serving the Plain City, OH area, can help you understand your policy and answer any questions you may have.  They will also help you select the policy terms that will be the best protection for your home and family based on your lifestyle and situation.  They want you to have the best coverage possible so don’t wait to get the protection you need.  Visit them today!