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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!

Is Home Insurance Mandatory?

Home insurance is something that all homeowners should consider and that some are required to hold. For many, if you have a loan on your home, you are likely required by your bank or lending company to hold a home insurance policy. For those that live in the Plain City, OH area, the agents with Smucker Insurance Agency, Inc. can help. Here are some specifics to look for:

What to Look for With Home Insurance

The most basic way to approach home insurance is to determine if you hold a loan on your property. If you have a mortgage or any other type of loan on your home, it is likely that your lender is going to require you to hold a home insurance policy for at least the value of the loan. This does not mean that you have to have a loan for the value of the home, but rather the amount of the loan so that you can pay it off if the house is destroyed.

There are some instances in which you are not required to hold a home insurance policy, and the most common is if you own your home and have no loan or mortgage out against its value. This means that you are not going to have to have a home insurance policy, but it also means that if something were to happen, you would have to pay for the home and pay to have it rebuilt or have it repaired by yourself with no other help.

Not all homeowners benefit from home policies, but for the most part, a home policy is a good idea for all homeowners. For those that live in the Plain City, OH area, the agents with Smucker Insurance Agency, Inc. can help you find the home policy that works for your home and your individual needs. Contact us for a quote or try our online rating tool.