Category: Home Insurance

Winter in Gahanna, OH brings a slew of concerns due to the cold weather, snow, blizzards, frozen pipes, landscaping damage, and power outages. Unfortunately, there is no winter insurance, but home insurance will always cover winter-related damages.

As a homeowner, it is also your responsibility to take the necessary precautions and prepare your home for harsh weather. Schneider Insurance Agency advises you to review your home insurance policy to ensure you have adequate coverage.

Here are some of the coverages to think about:

Bodily Injury Liability

During the winter, the ground outside is frequently wet and slippery. You could be held liable for medical bills if a neighbor or visitor slips and falls. If the person decides to sue you, your home insurance may cover the legal fees as well. Roof collapse and falling trees are two other accidents that could cause injuries at home.

Dwelling and Other Structures Coverage

During the winter, rainwater can cause damage to your walls, roof, floor, pipes, and landscaping. It should be noted that flooding is not covered by home insurance. Dwelling and other structure coverages can assist you in repairing or replacing damaged areas of your home.

Personal Property Damage

Heavy snow may create a lovely white blanket in your backyard, but it may also cause serious damage to your home. Heavy snow on your roof can be a major source of concern because it can damage the roof or, worse, cause it to collapse, causing damage to your personal property such as furniture.

Insure Your Home with Us

If you’re looking to insure your home in the Gahanna, OH area then know that Schneider Insurance Agency offers reliable and affordable home insurance solutions that meet your needs, lifestyle, and budget. Feel free to call and book your appointment with us today!

Home insurance needs to grow and change as your home, finances, and needs grow. Different things may need to be added, and coverage may need to be changed. At Schneider Insurance Agency in Gahanna, OH we are here to help our customers understand the coverage that they have and to help determine if it is adequate. 

When to review your home insurance coverage?

When your policy renews

At the time when your home insurance policy renews, you will get a copy of your new policy. The front page is your declaration page that outlines your coverage. It is easy to look at all your coverage in one place. You can see your property coverage, your content coverage, your deductible, and any riders that you may have added to your policy. Make sure that all of these figures make sense. 

When you make alterations to your home

When you make major changes to your home, it is important to consider if your home coverage reflects that. When you have added square feet, you need to let your carrier know that. If you have a new roof, you may get a discount. If you add a home security system, that may get you a discount as well. 

When you get some new jewelry

The jewelry coverage on a typical home insurance policy is very limited. You will need to make sure that you have an appraisal of your new jewelry and then add a jewelry rider to give you the protection you need. 

When your liability coverage isn’t adequate

If your net worth has risen, you should increase the amount of your liability coverage. You may want to consider an umbrella policy as well. 

Give Us A Call

Contact Schneider Insurance Agency, serving the greater Gahanna, OH community, when it is time to review your home insurance policy. We can help you make sure your coverage is what you need. 

You probably don’t think about home insurance all that often. But the fact is, it’s one of the most important purchases you can make. After all, your home is likely your biggest investment. And if something happens to it — a fire, a burglary, a natural disaster — you’ll be glad you have insurance coverage. So, how do you choose the right policy for your needs? Schneider Insurance Agency in Gahanna, OH can help you navigate this important coverage.

Here are tips to help you choose the right home insurance:

1. Know What You Need

The first step in choosing the right home insurance policy is to know what you need. Every home is different, and every family has different needs. So, it’s important to sit down and consider what kind of coverage you need. Do you live in an area with high crime rates? Then you might want to consider a policy that includes coverage for burglary. Do you live in a hurricane-prone area? Then you’ll want to make sure your policy covers wind damage.

2. Consider the Cost

Of course, the cost is one of the most important factors in choosing a home insurance policy. Home insurance policies can vary widely in price, so it’s important to compare quotes from different insurers. When you’re comparing quotes, be sure to pay attention to the coverage levels. It’s not worth saving a few dollars on your premium if it means you’re not adequately covered in the event of a loss.

3. Read the Fine Print

When you’re comparing home insurance policies, it’s important to read the fine print. Every policy has exclusions and limitations, and you need to be aware of them before you purchase a policy.

Get Coverage For Your Home

Home insurance is one of the most important purchases you can make. And if you take the time to choose the right policy for your needs, you’ll be glad you have it in the event of a loss. So use these tips to choose the right home insurance for you. Schneider Insurance Agency in Gahanna, OH can help you find the right policy for your needs and budget. Give us a call today to get started.