Home Insurance

Replacement Cost

Pays you the cost to replace your contents or dwelling, rather than a depreciated payment.

HO-3 Form

The most common home insurance form today. Covers your home against anything except noted exclusions. Covers your belongings against certain perils.

Liability Limit $300,000 (or higher)

Your liability limit should exceed your net worth, so that your assets are not in jeopardy should a claim occur.

Medical Payments $5,000

This coverage is included in your home insurance. We recommend $5000 to keep pace with the cost of medical bills.

Deductible $1000

We recommend $1000 because it helps keep your premiums down and prevents the small claims from cluttering up your claim history.

Water Back-Up

If you have a basement that is anything but empty, we recommend water back-up. It provides insurance against a back-up of water from sewers or sump pumps. This is our most used coverage.

Identity Theft

If you're concerned about your social security number being exposed or you transact business over the internet, Identity Theft offers great peace of mind. It pays to help you rebuild your identity, a time-consuming process. Several carriers offer professional guidance as well.

Auto Insurance

Liability $300,000 (or higher)

Since this coverage pays for "the other guy" when you're at fault in an accident, you want to make sure your liability limit is enough to pay for car(s) damaged and medical bills—two expensive areas! The state minimum limit of $7,500 barely covers the cost of most cars on the road, so we see it as woefully insufficient.

Uninsured Motorists $300,000

This coverage protects you in case "the other guy" who hit you doesn't have insurance and you're injured. Our philosophy is: Protect yourself for as much as you're protecting "the other guy" by having the same limit as your liability.

Uninsured Motorists Property Damage $7,500

This protects your car when an uninsured driver damages it in an accident. It's only necessary when you choose NOT to carry collision coverage on your car.

Medical Payments $5,000

Provide coverage for passengers in your vehicle who are injured in a covered accident. Often called a "courtesy coverage."

Comprehensive Deductible $500

Carrying a $500 deductible helps keep your premiums low and eliminates the minor claims that otherwise you'd want to turn in.

Collision Deductible $1000

An expensive coverage, taking a $1000 (or higher) deductible helps save you premium dollars.

Towing, Labor

Sometimes optional, sometimes included, this coverage gives you $25-75 for a tow.

Rental Reimbursement

Sometimes optional, sometimes included, this coverage provides you with a rental car while yours is getting repaired (from an insured accident).

Umbrella Liability - $1,000,000 limit (minimum)

Measure your need for an umbrella by checking your net worth. Do you have enough liability to protect your assets? An umbrella "goes over" your home and auto insurance liability limits and adds $1 million (or more) to your protection. Premiums average $300 a year, so this is worthwhile insurance.

Retention limit $1000

Similar to a deductible, we recommend $1000 to keep your premiums low.

Agent Showcase

Denny Huston
Findlay
Denny Huston
Owner
Joined HIFS in 1984.
Denny and his wife Connie have six children of which five 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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