Based in Plain City, OH, Smucker Insurance Agency Inc. serves the community by offering residents different types of insurance policies. We strive to make sure that our clients find coverage that aligns with their individual situation. As an independent agency, we have established successful relationships with several carriers throughout Ohio.
Common Home Insurance Myths
Protecting your home in Plain City, OH is one of your top priorities. Home insurance covers your property if it is damaged or vandalized. The policy also covers any damage to your garage and anything else connected to the property. While you are gathering information on different types of home insurance coverage, avoid these common home insurance myths.
I Don’t Need Liability Coverage
This is a mistake. A popular theory is that liability coverage is not necessary if the people who hang out with you have their own coverage. Be aware that you will be responsible if your friend is hurt while visiting your home whether they have coverage or not. Liability coverage should be a foundational piece of your policy.
Figuring Out The True Value Of My Items Isn’t Important
Having an accurate assessment of your home and personal items may make things easier in the future. Consider having your home appraised so that you will have an accurate assessment of your home’s value in case it suffers serious damages. Likewise, taking inventory of your personal items is also important because you have a clear idea of their value if you are a victim of theft. If you have any luxury items, you may need to alter your policy to include coverage.
Maintenance Issues Are Covered
This isn’t entirely true. You have to take care of your home. Issues related to mold or an insect problem will likely not be covered, as those are signs that you aren’t taking care of your home properly.
Consult With Smucker Insurance Agency Inc.
Visit our website today to learn more information about home insurance.