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Rest Easy Knowing Your Largest Asset is Well-Protected

We serve homeowners in Ohio & Indiana with homeowners and all other personal insurance products.  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.

Enjoy the Hummel Group Difference

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!

Earning Your Trust Since 1957

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.

Hummel Group is a Trusted Choice Independent Agency. 
To learn more about what this means for you, take a look at the Trusted Choice Pledge of Performance by clicking the Trusted Choice logo.

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.

We Specialize in the Following Areas:
speed boat

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


Gain your own risk management team to upgrade your family's armor today, without breaking your budget!

Technology When You Want It, People When You Don't
  • woman on Hummel mobile website

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. 


Click here to sign up for a Client Portal and InsurLink login.

Frequently Asked Questions About Homeowner's Insurance

I have a wood stove, will that be a problem?

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.

My children are at college, are they still covered?

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.

What about Earthquakes?

Earthquake damage can be added but is excluded from standard homeowner’s policies.

Should I include jewelry on my homeowners policy?

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.

What about my car?

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.

What about water damage?

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.

Are deductibles required?

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%.

Replacement cost vs. market value

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.

We're Your "One-Stop-Shop" - Bundle Our Services & Save!

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.

Areas We Serve

We are based in Ohio and Indiana and have offices located within the following cities. So if you're close to one of them, feel free to stop by and say hello.  

Office Locations:

We are able to write policies in multiple states beyond Ohio & Indiana, please contact us to check availability in your state.

The Next Step is Easy

Call us at 800-860-1060 or send us a message.