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.
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, who are still part of your household, can be eligible for up to 10% of the contents limit listed on your policy and liability.
Homeowner policies provide coverage for jewelry, but coverage can be restrictive for losses for mysterious disappearances and theft. Your deductible will also apply. For an additional cost, you can schedule your jewelry on your policy. This will eliminate the restrictions for mysterious disappearance and theft. You can also elect to cover these items without a deductible.
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.
A builder's risk policy will cover your construction projects from certain kinds of property damage. Another benefit is that it can cover costs if property damage causes a delay in construction. This can include rental income, lost sales, additional loan interest, real estate taxes. Since every construction project is unique, so is each builder's risk policy. You can customize it to meet the needs of your specific project.
A typical builder's risk policy will cover buildings and structures while under construction. It will also protect materials, supplies & equipment (on-site, in transit or at other locations).
The cost of the policy will depend greatly on what exactly you need covered. There may also be additional extensions required for the policy to adequately cover your project. Typically, the cost of the policy will depend on the type of project, materials being used, and policy details (coverage amounts and limits).
To get a quick quote on a builder's risk policy, please give us a call. We can go over the details of your project and have a price for you very quickly.
This means your Hummel risk advisor is going to provide you with a custom-tailored plan that's best for you, not our company.
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.
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.