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Tri C Insurance Group

24 S Front St
Burbank, OH 44214

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Tri C Insurance Group Blog

How Home Insurance Protects Your Home

Home is where the heart is, and you should protect it wholeheartedly. The best way to protect the investment you have made in your home is to obtain home insurance. The agents at the Tri C Insurance Group in Wooster, OH understand that your home is one of your top priorities, and you want to protect it through efficient home insurance coverage.

In the event of a fire, vandalism, natural disaster, or burglary, you will need a homeowners insurance policy to repair or replace your property. Home insurance covers your house and surrounding structures on your property, such as decks and garages, as well as your personal belongings, appliances, and furniture. Home insurance will also cover the injuries of someone visiting you at your home when an accident occurs. If you borrowed the money from a bank or mortgage company to purchase your home, you would be required by your lender to have the proper amount of insurance coverage to secure your lender’s investment in your property.

When it comes to your home, acquiring home insurance should be a top priority because, without it, you could lose everything you have worked so hard for over the years. In this case, the adage that it is better to be safe than sorry completely applies.

You can opt for several additional forms of coverage, and that can be discussed with a trusted insurance agent to create the best policy for you and your situation. To determine how much coverage you need for your Ohio home, call the home insurance agents at the Tri C Insurance Group in Wooster, OH today for a quote and get your policy started.

Why is it important to have a home inventory

Homeownership comes with lots of responsibilities. You need to maintain your home. Make sure that you make your mortgage payments on time and have good home insurance. Even when you do everything right, bad things can happen. Most home perils are beyond your control. If your home is damaged or destroyed, you will need to file a claim to get your insurance company to pay you. Your declaration sheet tells you what your insurance will pay for the building itself. When it comes to the content, you have to let the insurance company know what you had. At Tri C Insurance Group in Wooster, OH, we believe in doing for you as we would do for ourselves. 

When you file a claim for reimbursement from your insurance company, they need proof of their payment. Your home inventory provides that proof. It is listing all the items you had in your home before it was damaged or destroyed. A good home inventory will include lots of details, so there is no question about what you had. It should include brand names, model numbers, and even serial numbers. Information should be backed up with a picture. Receipts should be attached as well as appraisals for jewelry. The more detail included, the easier the process of filing the claim and getting the money you need to replace your possessions. 

It is also important to make sure that you store your home inventory in a safe place. Ideally, that place should not be your home. If you have a safety deposit box, that is a good place to store it. 

If you are in the market for home insurance or would just like your current policy looked over at Tri C Insurance Group in Wooster, OH, we would be happy to meet with you. Call our office or drop in for a no-obligation quote.