Let us do the work! We'll shop carriers for you, delivering a policy that protects your family while staying in your budget.
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A personalized, comprehensive package will keep your home protected and not only provides you peace of mind in the event of a loss, but may protect you from financial ruin as well, in the event of a total loss such as a fire or flood.
Homeowners insurance will cover your home, garage, and personal possessions, but the extent of perils covered depends on the type of policy you select. We tailor your home insurance policy to meet your specific needs such as earthquake, ID theft, water back up, and more. Perils and coverages such as these can vary greatly from policy to policy, that’s why the lowest price is not always the best choice with homeowners insurance. Let the risk experts at Hummel craft a plan that not only fits within your budget, but provides all the coverage you and your family need.
We Shop For You!
As an independent insurance agency, we're not bound to one insurance carrier and will shop around until we find the custom plan that's perfect for you.
Superior Support During a Claim
Unlike most insurance agencies, we have 3 full-time claims managers whose sole job is to make sure our client's claims go as smoothly and as stress-free as possible.
We Pick Up When You Call!
Expect to be connected to your friendly, dedicated account manager within seconds when you call us. No "touch-tone-run-around" or different person every time you call!
Since 1957, Hummel has been building its business on its uncompromising values of integrity, trust & hard work.
When it comes to homeowners insurance, this means that your hummel risk advisor is going to provide you with a custom-tailored plan that's best for you, not our company. We're in the business of trust-building, not selling policies.
Claims Service You Can Count On.
If you need to submit a claim, you get one of our full-time claim specialists to advocate for you with the insurance company and support you through the entire process, step-by-step.
Insuring Unique & High Value Assets, Recreational “Toys”
Multi-Property & Complex Real Estate Scenarios
Exclusive Plans for the Unique Needs of High Net Worth Individuals
Working With Entrepreneurs & Business Owners
Insuring Farms & Commercial Agriculture
Creative Coverage Options for Added Benefits
Take advantage of our online Client Portal and Insurlink mobile app to:
- access policy information
- print ID cards
- request changes
- report claims
- and more!
But of course, we are always just a phone call or email away, and are more than happy to help you with anything you need.
A wood stove is a factor that could affect the overall cost of your plan, but the energy savings from this heat source might be enough of a benefit to outweigh this added cost. The most important aspect of a wood stove is proper maintenance and installation for ensured safety.
Full time college students under the age of 24, and still a part of your household, will receive some forms of coverage in a dorm. Typically 10 percent of their limits.
Earthquake damage can be added but is excluded from standard homeowner’s policies.
Your jewelry is covered in the event of a fire, but mysterious disappearance or theft has limits. Scheduling your jewelry will expand these limits. Often times a jeweler might provide coverage, we are always happy to help you compare these options to get the best rates.
In the event of a house fire that damages your vehicle, your homeowners insurance will not replace your car. This will come from your auto insurance.
Many insurance policies exclude water damage from water that backs up through plumbing, such as a failed sump pump. Floods and water seeping through a foundation are often not covered as well. Discussing the particulars of your home with our agents is the best way to get added coverage to make sure events such as these are protected. Flood insurance in particular is a separate policy provided by a government program and distributed through insurance carriers. Flood damage is the most costly home claim on average. 25% of flood losses occur in low risk flood zones.
Yes. Homeowners forms usually have a deductible of $1,000.00. For wind and hail damages there can be other options such as $2,000.00 or $2,500.00 and some companies will make the deductible a percentage of your coverage such as 1% or 2%.
Using the market value of your home to insure against damages can be financially devastating. Your replacement cost needs to be enough to rebuild your home, while also including expenses such as debris removal and site prep.
Take advantage of the discounts provided when you bundle multiple policies, such as home and auto. Do you need an umbrella policy? Is your boat covered on your home policy? Do you know how you are paying for your child's college education? Click the links below to learn about our additional services.
Most of our clients reside in the states of Ohio and Indiana, and we have offices located within the following cities. So if you're close to one of them, feel free to stop by and say hi! All of our paperwork and onboarding is done virtually, so being close to an office is not necesary. You'll get a dedicated account rep who will take great care of you either way!
Want a quote for a home outside Ohio and Indiana?
We are able to write policies in multiple states beyond Ohio & Indiana, please contact us to check availability in your state.