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154 North Chillicothe Street
Plain City, OH 43064

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Smucker Insurance Agency, Inc. Blog

Home Insurance Exclusions

When you have purchased home insurance for your Plain City, OH home, you expect it to protect you against all perils. However, just like other insurance coverages, home insurance doesn’t cushion you against all perils — there are exclusions. If you purchase home insurance from Smucker Insurance Agency Inc., you need to understand its exclusions to avoid surprises when filing a claim. Here are the typical exclusions for home insurance — but for broader understanding, refer to your home insurance policy.

Water damage

While home insurance covers water damage resulting from leaking roofs and busted pipes, it won’t cover water damage from water seeping from underground, natural flooding, and sewer backups. As a result, you may need separate coverages to protect your home from these perils. 

Neglect

Home insurance expects you to take proper care of your home. As such, any damage that occurs from neglect isn’t covered. For instance, a roof leak due to neglect isn’t covered by home insurance. However, if the leak is due to lightning, you should be compensated by your insurer. 

Intentional loss

If you cause intentional damage to your home, homeowner’s insurance won’t cover it. For instance, if you put graffiti on your walls, home insurance won’t compensate you for restoring your home to its original state.

Government actions

If a government action causes damage or loss to your home structure and its contents, home insurance won’t compensate you for the loss. 

Home-based business liability

If you have started a home-based business, you must invest in a commercial insurance policy. Why? Home insurance protects your home structure but not liabilities emanating from your business. For instance, home insurance won’t pay for medical expenses if a customer trips and injures their leg on your home while attending a meeting. 

Would you like to know more about home insurance? Please contact Smucker Insurance Agency Inc. of Plain City, OH for more information. Here, we will help you understand your home insurance policy to know what it covers and what it doesn’t. 

Common Home Insurance Myths Ohio Residents Should Learn About

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.

Things To Consider When Buying Home Insurance

Even though home insurance is not mandatory, it is highly recommended to have it. Moreover, most mortgage lenders require homeowners to have home insurance before closing on a purchase. To make sure you get the perfect policy that fits your coverage needs and budget, Smucker Insurance Agency, Inc., serving Plain City, OH, has pulled together a list of things you should consider. 

Location 

The location of the house plays a significant role in the types of policies that are available and in the cost of insurance. For example, a home located on a coastline costs more to insure, while the coverage for a house situated near a permanently staffed fire department will be cheaper. 

Additional coverage

A standard home insurance policy provides you with basic protection, and some things and events might not be covered. Therefore, if you live on a coast or in a flood-prone area, it may be worth considering getting flood insurance as well. 

Your Home’s Claim History

Whether you have just begun your home search or you have been living in your home for years, it is essential to know your home’s claim history because it may affect your home insurance rates. You might not know, but a claim filed in the past five years can cause your insurance rates to increase. The good news is that there are also prior claims that have a positive effect. For example, the replacement of the roof damaged by the storm makes a house more desirable and valuable to the insurance company. 

Buying home insurance is a great way to protect your house and property. We recommend you not to rush and take your time by choosing a perfect policy. If you need assistance and you want to know more about home insurance, Smucker Insurance Agency, Inc., serving Plain City, OH, is ready to help and guide you through this process. Give us a call today and talk to one of our experienced and highly qualified insurance agents. 

Does Home Insurance Cover Lodging After A Major Claim?

Unfortunately, some home owner’s will experience a significant loss and a claim at some point during their life. When this occurs, usually, there is a need for temporary lodging until the claim can be processed, and the repairs or replacement can be acquired. 

Major Claims

Not all insurance policies are the same, but most quality insurance policies will have a provision in the terms and condition that allows for temporary lodging until the claims can be paid. The appropriate measures also need to be taken to restore the living conditions or replace the home that was damaged. Before purchasing a home insurance policy, ask the agent if there is coverage for temporary lodging included. 

Work With The Agent

Those who are searching for home insurance should work directly with an agent to ensure they get the coverage they want and have temporary lodging included in the home insurance policy in case of a major claim. This provision can save the homeowner from additional loss and will give peace of mind. Those who are around the Plain City, OH area should consult with Smucker Insurance Agency, Inc. to get more details on how they can get comprehensive home insurance that they can count on after a covered incident. 

Don’t assume an insurance policy will provide lodging for a home insurance policyholder. Make sure to get a complete rundown of all of the terms and conditions and ask many questions before making a purchase. Those who need top quality insurance products in Plain City, OH should call or stop by Smucker Insurance Agency, Inc. to speak with a knowledgeable representative. 

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.