Chillicothe, Ohio
96 E 4th Street
Chillicothe, OH 45601
(740) 773-1620
Hummel & Plum Insurance is located in Chillicothe, Ohio. We specialize in all types of insurance: Home Insurance, Auto Insurance, Life Insurance, Health Insurance, Business Insurance and Specialty Risk Insurance.

3 Ways Homeowners Insurance Protects You May 7, 2018

Chillicothe, Ross
3 Ways Homeowners Insurance Protects You, Chillicothe, Ohio

Your home is your most valuable investment, so you want to make sure that your homeowners insurance policy offers comprehensive coverage. The team at Hummel & Plum Insurance Agency helps clients in Chillicothe, OH, select policies to ensure that what matters most is protected. They customize coverage to protect your unique assets, but they always begin with a basic homeowners policy. Below, their team reviews three ways basic homeowners insurance protects you.

3 Types of Coverage Homeowners Insurance Provides

1. Dwelling

When most people think of home insurance, they imagine it offering protection for the physical structure of the home itself. However, many policies also cover any other structures present on your property. This can include garages, tool sheds, guest houses, and even fences. Because policy details can differ quite a bit, be sure you’re clear on what your policy does and does not cover.

2. Personal Belongings

homeowners insuranceAlong with your home, the personal belongings contained within can also be covered. Your policy should not only cover damages due to a natural disaster or unforeseen circumstances, but it should also cover the replacement of items if they are stolen. When shopping for insurance, ask about policy limits as items that exceed this value may not be included, so you may want to extend coverage.

3. Third Party Lawsuits

Liability coverage is a component of many homeowners policies. This coverage offers assistance in case a third party is injured at your home or their property is damaged during their visit. Legal costs can become extremely expensive even for minor issues, so having a good liability policy in place protects homeowners from this cost.

For over a century, Hummel & Plum Insurance Agency has helped residents of Chillicothe secure the best insurance coverage available at an affordable price. If you’d like more information on how you can implement a comprehensive homeowners insurance policy, feel free to call (740) 773-1620 today. You can also visit the website to learn more about working with an independent agency.

Other Announcements, Events and Deals from Hummel & Plum Insurance Agency Inc
A Guide to Disability Insurance, Chillicothe, Ohio
Your ability to work provides you with the means to pay your mortgage, car note, child care, and other expenses. If an injury or illness prevents you from doing your job, you’ll need...read more
3 Ways to Reduce Your Car Insurance Rates, Chillicothe, Ohio
Most states legally require car insurance, which means if you want the freedom and convenience of driving, you must maintain coverage. However, it doesn’t have to take up a subs...read more
4 Common Car Insurance Questions, Chillicothe, Ohio
There are many hazards when driving, from slippery roads to distracted drivers and wandering deer. Car insurance protects your investment from these risks, but many drivers aren’t su...read more
4 Unusual Circumstances Homeowners Insurance Covers, Chillicothe, Ohio
When most people think about a homeowners insurance claim, they picture something like a tree branch toppling through the roof of a house. Although that situation is covered, that is...read more
Debunking 3 Myths About Life Insurance, Chillicothe, Ohio
Despite being prevalent, many people misunderstand life insurance. These errors can keep you from getting the best policy for your needs or discourage you from buying one altoge...read more