Home Insurance | Hummel Group

Home Insurance

Insuring Your College Student

Sending a child off to college is a significant milestone that represents the culmination of years of planning and hard work. As you prepare for the start of the semester, you should consider how your insurance needs may change with your son or daughter away at school.

Property Insurance Considerations

Did You Know?

According to the Los Angeles Times, it may cost as much as 30 percent more to rebuild parts of a home than to completely build a new one from scratch.  Demolition and removal of damaged property are pricey, limiting what a homeowner can do when rebuilding only parts of a home.

Remodeling Your Home

You've hired a reputable builder, collected paint swatches and selected the siding and now you're finally ready to start that long-awaited remodeling project.  Contact us today: 800-860-1060.

What Protection Does It Offer?

Whether your addition budget is large or small, you are adding both the value of your home and your exposure to risk.  To ensure that your project goes smoothly and that you have the coverage you need, here's what you need to know.

Liabilities of Renting Your Home

Protecting Your Personal Property

You may be considering renting out your home for extra income while you're away for an extended period of time.  Though this seems like an ideal solution for families with extra room to spare, it can pose liabilities.  Take the following considerations to heart in order to protect your home.

Are You Prepared for a House Fire?

No one anticipates having to use their home insurance policy for a partial or total fire loss, but it happens every day across Ohio.  According to the Red Cross, you may have as little as two minutes to escape a fire that starts in your home.  A working smoke alarm that provides an early warning and a well-practiced fire escape plan can help save lives.  So what things should you be doing to make sure you are prepared?

 

HR Insights: Snapchat "Snap Map" Safety

What is Snap Map?

Introduced in a June 2017 update, Snap Map allows users to share their exact location with friends within the Snapchat app.  Snap Map gathers location data using a smartphone's GPS sensor and displays the time of day an individual is at a specific location and his or her speed of travel.  This information is shown on a map that can be accessed when a user first opens Snapchat and pinches the screen to zoom out.

Personal Umbrella Policy: What is it and why should I have one?

Who needs a Personal Umbrella?

You do not need to be wealthy to be sued for millions.  Juries determine damages based on the severity of an accident, not your ability to pay those damages.  Do you own or drive a vehicle?  Do you own or rent a home?  Do you want to protect the assets and investments that you worked hard to accumulate?  If you said yes to any of those, you need an umbrella.  The truth is EVERYONE needs an umbrella.