Home insurance: Your home is your castle. It’s your security, your treasure, and your shelter. At Schultheis Insurance, we understand that your home and its contents represent a significant part of your family’s financial security. Unfortunately, these can be wiped out in a flash by fire, flooding, storms, theft, or other disasters. That’s why homeowner’s insurance is your best choice to protect your family’s castle. Even if you rent or lease a home, you need protection for your furnishings, electronics, and other valuables, making renter’s insurance equally important. Additionally, whether you own or rent, your insurance policy will provide liability protection in case of accidents or other unforeseen events that might occur on your property.
When considering home insurance, it’s essential to educate yourself about the different types of coverage and the factors that influence premiums. A valuable resource for understanding home insurance options and making informed decisions is the National Association of Insurance Commissioners (NAIC). Their website offers comprehensive information on home insurance policies, coverage options, and tips for selecting the right policy for your needs. By consulting reputable sources like the NAIC, you can gain valuable insights into home insurance and ensure that you have adequate protection for your home and belongings.
Personalized Service and Local Expertise
Choosing the right home insurance can be overwhelming, but with Schultheis Insurance, you’re not alone. Our experienced agents in Evansville, Mt. Vernon, and Greenwood take the time to understand your specific needs and recommend the best coverage options. We pride ourselves on providing personalized service and leveraging our local expertise to offer you the best insurance solutions.
WE’RE BUILDING RELATIONSHIPS
Don’t wait until it’s too late to protect your home and belongings. Contact Schultheis Insurance today to learn more about our comprehensive home insurance options. Our friendly and knowledgeable agents are ready to help you find the perfect coverage for your needs. Request a quote now and experience the peace of mind that comes with knowing your home is fully protected.
Discover Comprehensive Home Insurance Solutions for Your Peace of Mind
Homeowners Insurance
Our homeowners insurance policies provide robust coverage for your dwelling, personal property, and liability. This means that in the event of a fire, theft, or other covered loss, you can rest easy knowing that your home and belongings are protected. We also offer additional living expenses coverage, which helps pay for temporary housing if your home is uninhabitable due to a covered event.
Renters Insurance for Complete Protection
If you’re renting a home or apartment, our renters insurance policies are designed to protect your personal property and provide liability coverage. Many renters underestimate the value of their belongings, but the cost to replace furniture, electronics, and clothing can quickly add up. Our renters insurance ensures that you’re covered in case of theft, fire, or other covered events.
Specialized Flood Insurance
Living in Indiana, flood risks are a reality that many homeowners face. Standard homeowners insurance policies typically do not cover flood damage, which is why we offer specialized flood insurance. This coverage protects your home and belongings from the devastating effects of flooding, giving you peace of mind during heavy rains and storm surges.
Protecting Your Personal Property
At Schultheis Insurance, we know that your personal property holds sentimental and monetary value. Our home insurance policies include coverage for your personal belongings, whether they’re inside your home, in your car, or even while you’re traveling. From jewelry and electronics to furniture and clothing, we ensure your valuables are protected against loss or damage.
The Extra Layer of Umbrella Insurance
For those seeking additional protection, our umbrella insurance policies provide an extra layer of liability coverage. This type of insurance is especially beneficial for individuals with significant assets or higher risks of liability. An umbrella policy kicks in when the limits of your standard homeowners or renters insurance are exhausted, offering you broader protection.
Why Do I Need Home Insurance?
Home insurance protects you against risk factors related to your dwelling. This refers to the house in which you live as well as attached garages, sheds, storage areas and similar buildings on the property where your home stands. Homeowner’s insurance also covers loss of your personal property – things you own in or around your home, such as furniture, clothing, electronics, and collectibles. However, if you own valuable jewelry, firearms, collections, antiques, and some other types of items, you may need an additional coverage – called a rider – to protect you in case of losses of these more valuable possessions.
In addition to providing protection for your home and possessions, your homeowner’s insurance will protect you from liability losses if someone is injured on your property and you are found to be at fault.
Your home insurance policy may also provide for alternate living arrangements if your home is damaged and you cannot live in it during repairs or rebuilding.
In addition to standard homeowner’s insurance, you may want to consider other coverages depending on your risk profile. Some of these coverages include earthquake, coal mine subsidence, and flood insurance.
Your Schultheis Insurance Agent can help you evaluate your need for coverages and locate the most cost-effective coverage for you and your possessions.
What Type Of Policy Do I Need?
If you own or are buying your home, you need a homeowner’s insurance policy to protect the value of your real estate and possessions. You should have replacement cost coverage which will pay to rebuild your home, as it is, at the market costs prevailing at the time of your loss.
You should also consider additional policy coverages, or riders, to protect more valuable items on your property or to protect in case of damages not covered by standard insurance.
If you rent your home or apartment, you don’t need home insurance because the owner of the property should cover risks to the house or apartment. However, you may want to have a renter’s insurance policy that will help you replace your personal property in case of fire, flood, theft, or other loss.
Similarly, if your property is part of a condo community, your condominium association will carry insurance on the property itself, and part of your expense of living there will include a share of the premiums for that insurance. However, you should carry insurance for your own personal property and liability.
Your Schultheis Insurance Agent will be able to identify your needs and match you with providers who will best meet your needs at the most effective cost.
How Much Coverage Is Needed?
Because of market fluctuations and the disparity of home values in various regions, there is no one value level of insurance that is right for all homeowners. Your Schultheis Insurance Agent can help you determine policy coverage that will protect you against losses and allow you to repair and rebuild to the same level you currently own.