Category: Home Insurance

Protecting what matters most to you is very important, and the right home insurance can help. Schneider Insurance Agency is here for you if you’re in the Gahanna, OH area. Our agents understand the value of taking great care of your house and making sure it has the proper protection against loss or damage. Contacting us can make finding the best type and level of protection easier for you. Then, you’ll have great coverage along with increased peace of mind.

There are a lot of specifics to consider when you’re looking for an insurance policy to cover your home. That’s why you want to work with an agent, so you can get your questions answered. You may want to get quotes from multiple insurers, ask about specific types of coverage, and look carefully at the options for limits. The best way to protect your home with insurance is to make sure you understand the coverage you’re getting and why it’s right for your needs. We can help with that.

If your home is damaged, you want to make sure you can get it repaired and go on with your life. With good insurance, that’s much more likely. Whether you just bought a house or you haven’t updated your policy for a while, working with an agent can give you information and insight. With the right knowledge, you can make a good decision about your coverage and feel more confident in your home’s level of protection.

Contact us today at Schneider Insurance Agency if you’re in the Gahanna, OH, area and looking for home insurance you can rely on from trusted agents who want to help. We’re dedicated to making it easy and convenient for you to find the best policy for your home.

When it comes to preparing your Ohio home for an emergency, there are some simple tips that can work for almost any emergency that might arise. In Gahanna, OH the Schneider Insurance Agency can prepare you for a home emergency by making sure that you have the correct home insurance coverage. Nothing is worse than finding out after an emergency that your coverage is woefully lacking. 

Preparing your Ohio home for an emergency

Buy a generator

Generators come in many types, sizes, and prices. You can have a full-house generator that will turn on automatically if your electricity turns off. You can get a much smaller unit that will keep your food from spoiling and give you heat, water, and air conditioning in an emergency. Whatever you choose, if you ever lose power, it can be a lifesaver. 

Have a plan

Every homeowner needs to have an escape plan. You need a plan that can get every member of the family out of the house but also a plan to get all of you to a safe location. Map out several different routes so that you are sure that one of them will be available. Roads may become blocked, flooded, or impassable. 

Stock up

It is important to have bottled water, food that doesn’t require cooking, extra batteries, candles, flashlights, and things that can help you get by if you are not able to get out of your home. Having a grill with a burner will allow you to cook or have a camp stove to make coffee or tea. If you have a generator, you will need to have extra gasoline to keep it running. 

Consult With Us

In Gahanna, OH, reach out to Schneider Insurance Agency when you are in need of an independent insurance agency to provide the home insurance information and coverage you require. 

Paying off your house is a dream come true for many. Your home is usually your biggest investment and your most valuable asset. When your mortgage is new, you may even have to pay special mortgage insurance until you pay off a certain percentage. Homeowners and mortgage insurance may be requirements of your lender or government programs that finance your loan.

But do you need to continue to pay for homeowners insurance on your Gahanna, OH after your mortgage is paid off? We at Schneider Insurance Agency want to help you understand your risks so you are comfortable with your level of protection.

Here are the main reasons you should continue to protect your home with homeowners insurance:

1. Your home is still vulnerable to the same risks you were vulnerable to before. The difference is that you no longer share an interest with your mortgage holder. If something happens, you are 100% responsible.
2. Your homeowners’ policy provides protection against lawsuits. Liability insurance is included so if someone comes onto your property and gets injured, your insurance will pay. Homeowners insurance typically pays for your legal representation in these cases too.
3. If your home is destroyed or temporarily unlivable, you might not have a place to stay while waiting for repairs or rebuilding. Homeowners insurance can pay for temporary housing and will even cover additional expenses, such as the added cost of eating out. 
4. Maintaining homeowners insurance gives you the peace of mind you need to live comfortably.

Reach Out To Us

Protecting your Gahanna, OH home is probably one of your top priorities. You need a safe home for yourself and your family. If you have any questions or if you want to make sure you are comfortable with your current level of protection, please call Schneider Insurance Agency today.

No one relishes the thought of waking up to a flood in their home due to broken water pipes. But it can happen. Fortunately, standard home insurance from Schneider Insurance Agency in Gahanna, OH will generally cover this type of disaster so you can recuperate your losses. Not all water damage, however, is covered under standard home policies. By reviewing your policy, you’ll gain a better understanding of the protection you have so you can be prepared for any eventuality.

Understanding Water Damage Coverage

Generally, home insurance will protect you from water damage that occurs accidentally and abruptly from sources within your home such as a burst water pipe or appliance overflow. 

Water damage caused by outside flood waters, however, is not covered by home insurance. If you live in an area where flooding is a risk due to water surges or extensive rainfall, you can obtain flood coverage by purchasing flood insurance. Adding flood insurance to your home policy provides you with an extra layer of protection against water damage disasters. 

Exceptions to Water Damage Coverage

As a homeowner, you’re responsible for the upkeep and maintenance of your property. If water damage occurs in your home due to improper maintenance or carelessness on your part, your claim may be denied.

By addressing issues that can lead to water damage in a timely manner, you can protect your home and property from water damage disasters. This includes dealing with leaky faucets, replacing worn pipes, fixing broken hoses on washers, dishwashers, and refrigerators, and replacing old, worn roof tiles to keep water from leaking into your home.

Insure Your Home Against Water Damage!

To learn more about insurance options to safeguard your home from water damage, contact Schneider Insurance Agency in Gahanna, OH today!

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!

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.