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Why should I buy homeowners insurance?

  • Home Owners: Protect both your house and personal property.
  • Tenants of Rental Properties: Protect your personal property.
  • All parties: Protection against liability for accidents that injure other people or damage their property.

Are deductibles required and if so, what are they?
Yes, most homeowners forms contain deductible provisions applicable to losses occurring under Section I (Section I losses include (a) dwelling, (b) appurtenant structure, (c) unscheduled personal property, and (d) additional living expenses). The type and amount of deductible varies by company. Deductible provisions do not apply to Section II losses (Section II losses include personal liability [bodily injury and property damage] and medical payments to others). Some companies offer an optional deductible applicable only to wind or hail losses. Most offer higher deductible options such as $500 or $1,000 at a reduced premium.

What property and perils are excluded from most homeowner policies?
Most homeowner policies provide coverage that does not apply to animals, birds, fish, automobiles and business property; for loss or damage caused by flood, surface water, water which backs up through sewers or drains, earth movement, nuclear damage, war, etc. Section II coverages (personal liability and medical payments) do not apply to the operation, ownership, use, etc., of any aircraft, automobile, recreational motor vehicle, water craft powered by more than 50 horsepower motor; bodily injury or physical damage caused by an intentional act of the insured. It must be noted that these are a mere sample of property and perils not covered. A complete review of your policy is the only way to determine what property is covered and what perils are insured against. Also, there are specific limits of coverage on property insured under the homeowner’s policy such as money, securities, water craft, theft of jewelry, silverware, and/or guns.

My house was completely destroyed by fire. I'm trying to collect on my personal property that I had in the house, but the insurance company is telling me I need an inventory. Can they do that?
Yes. Whether your policy pays for the replacement or just the actual cash value, the company is only obligated to pay for personal property that you can show you owned at the time of loss. It is a very good idea to keep an up to date inventory in a secure place. Also, to help you remember what you had, it is helpful to take pictures of each room and keep them with your inventory.

Our sump pump failed and the insurance company is denying our claim because the water backed up through our sewers. Can they do this?
Most insurance policies exclude water damage from water that backs up through sewers or drains. You may wish to contact your agent and inquire about putting an endorsement on your policy, which would cover sewer back up.

All my CDs and tapes were recently stolen from my vehicle. My insurance company advised there is no coverage for these items in either my auto insurance or my homeowner’s insurance policy. Is this true?
Almost all auto and homeowners policies exclude coverage for any losses of tapes, disks and other sound transmitting or receiving equipment used in an automobile. Some insurance companies however, will provide coverage for these items for an additional premium. Check with your agent to determine if coverage can be purchased for the stereo, tapes and disks used in your auto.

My boat was stolen and now my insurance company will not pay the claim on my homeowner’s policy. Can they deny my claim?
Theft to watercraft, including furnishings, equipment and outboard motors, are typically excluded if the theft occurs outside your residential premises. To adequately cover your boat and its accessories, you should contact your agent regarding a separate policy covering the boat.

I have specifically insured antique items listed on my homeowner’s policy. If I have a total loss, would the insurance company pay me the insured value?
Your insurance company would first confirm the value of the items with one or more independent antique dealers. You should then be paid a dollar value based on the dealer(s) estimate of the worth of the antique items. If you disagree with the settlement offered by your insurer, then you can follow the dispute resolution process outlined in your policy. There is a simpler way: Get appraisals and have your agent establish the stated values in the policy. You should also keep your appraisals up-to-date.

During a storm, a tree from my neighbor’s yard fell and destroyed my fence. Does my homeowner’s policy pay for the damage or does my neighbor’s policy?
Generally, your own policy should cover the loss. Your insurance company may be able to recover the amount it pays you for the loss and your deductible from the homeowners insurance that your neighbor may have if the loss occurred as a result of your neighbor’s negligence.

Recent rainstorms have flooded and damaged my basement. Is there any coverage under my homeowner’s policy?
Flood coverage is generally excluded on the basic homeowners policy. However, some homeowners policies provide coverage for backup of sewers and drains that cause flooding in your basement. This coverage can be purchased for a nominal premium. You should check with your agent to see if this coverage is provided and how much it costs.
If, however, you live in a flood-prone area, you should consider – and may be required by your lending institution – to purchase a flood insurance policy. Your agent should be able to inform you about the Federal Flood Insurance Plan and the exclusions and limitations of coverage in this policy.

When can an insurance company cancel my homeowners coverage during the policy term?
Generally, your policy can be cancelled for these reasons:

  • Non-payment of premium;
  • Material misrepresentation/Fraud;
  • Conviction of a crime arising out of acts increasing the hazard insured against. (For example, conviction for illegal storage of fireworks);
  • Discovery of willful or reckless acts or omissions by the insured increasing the hazard insured against. (For example, not getting a gas leak fixed);
  • Physical changes in the property insured which result in the property becoming uninsurable. (For example, should the home become vacant for more than 60 consecutive days, a greater exposure to vandalism and damage is assumed to exist); and
  • A determination by the Commissioner of Insurance that continuation of the policy would place the insurance company in violation of the law.

The food in my freezer went bad because I lost power in my home. Does my homeowners policy provide coverage for this?
The basic homeowner policy usually does not. However, this is a popular coverage for insurance companies to offer and you may be able to buy this coverage for a nominal additional premium. There is also the issue of where the power was lost. Some policies are limited to coverage for electricity lost in the home or where the electricity enters the home. Others will limit coverage to within so many yards from the home. Your agent should be able to tell you about the availability of coverage and how much it would cost.

Agent Showcase

Denny Huston
Findlay
Denny Huston
Owner
Joined HIFS in 1984.
Denny and his wife Connie have six children of which four are married. They both enjoy Ohio State Football, traveling and golf. They look forward to spoiling their grandchildren!

Denny specializes in life, health, disability,and long-term care insurance,home, auto, and commercial insurance sales.
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Troy Welsch
Findlay
Troy Welsch
Agent
Licensed in 2000.
Troy and his wife Jamie have two children and live in Lima. Both are busy chasing their kids around the baseball and soccer fields.

Troy specializes in life, health, disability,and long-term care, home, auto, and commercial insurance sales. Troy can be best reached at 419-420-9959, extension 228.
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Erin Simmons
Findlay
Erin Simmons
Agent
Joined HIFS in 2004.
Erin has been in the insurance industry since 2006. She raises organic chickens and loves to travel.

Erin specializes in life , health, disability,and long-term care insurance,home, auto, and commercial insurance sales. Erin can be reached at 419-420-9959, extension 225.
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Lauren Hermiller
Findlay
Lauren Hermiller
Agent
Licensed in 2013.
Lauren Hermiller is a Putnam county native, married to Alex, and have two children, Grady and Athen. In her spare time she enjoys getting involved in her community and spending time traveling with friends and family. She looks forward to continuing to serve our valued clients with Huston Insurance!
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Nadia Clark
Findlay
Nadia Clark
Agent
Licensed in 2015.
Nadia and her boyfriend Andrew reside in Arlington with their 3 kids. The kids are all very active in sports and the community. When Nadia isn’t watching the kids play sports, she commits a lot of time as an Ambassador of the Findlay Chamber of Commerce. Nadia specializes in home, auto, business and farm insurance. You can reach her at: 419-420-9959 ext 234.
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Andy Noel
Findlay
Andy Noel
Agent
Licensed in 2016.
Andy was born and raised in the Findlay area. He and his wife April have 2 girls, Kelsey and Hayden. He is an avid sports fan, and enjoys going to, and watching events of all ages. Andy specializes in Farm, home, auto, commercial, and life insurance. You can reach him at: 419-420-9959, ext 227.
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