Homeowners Insurance

Home Insurance in Chesterland, OH and Chardon, OH
PROTECT YOUR HOME AND EVERYTHING IN IT.
At Luczkowski Agency Insurance and Financial Services, we know how hard youÕve worked to turn your house into a home. Since your home is one of your most important financial investments, youÕll need proper coverage to keep your investment protected..

Luczkowski Agency Insurance and Financial Services is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

Our Home Insurance coverage options include:

Property Insurance
Homeowners Liability
Renters Insurance
Condo Insurance
Scheduled Property Insurance
Landlords Insurance
WHY HOME INSURANCE?
Accidents can happen at any time. Having the right insurance can help protect your home and belongings..

While standard Home Insurance can cover fire and weather damage, as well as injuries of others and theft, not all damages and accidents may be insured under a standard policy. ThatÕs why itÕs important to talk to an insurance specialist at Luczkowski Agency Insurance and Financial Services about specific coverage options to meet your individual needs.

Luczkowski Agency Insurance and Financial Services provides Home Insurance for residents near Chesterland, Chardon, Newbury, Kirtland, Mayfield Heights, and Willoughby.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Homeowners Liability

Homeowners Liability in Chesterland, OH and Chardon, OH
PROTECT YOURSELF, YOUR HOME, AND YOUR FINANCES.
Accidents can happen, even at home. If someone were to claim an injury on your property, as the property owner, you could be held financially responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice.

With a liability protection as part of a HomeownerÕs policy from Luczkowski Agency Insurance and Financial Services, you can protect your finances in the event of a visitorÕs accident. For serious injuries, you may be responsible for paying large medical bills. This coverage works to help protect you in a variety of situations, including:

Claims for otherÕs property damage
Claims for injury to others (either on or off the premises)
Liability defense costs
Medical expenses for injuries to others
Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Talk with a representative from Luczkowski Agency Insurance and Financial Services to determine the right amount of coverage to keep you protected today.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.

Landlord Insurance

Landlord Insurance in Chesterland, OH and Chardon, OH
RENT WITH CONFIDENCE.
A rental property is an important asset that can provide a valuable source of income. As the owner of an apartment, home, condo, or other property, youÕll want to be prepared in the event that your investment is damaged. With a Landlords Insurance policy from Luczkowski Agency Insurance and Financial Services, youÕll receive a policy with the right level of protection to help keep yourself and your rental property insured.

A Landlord policy can provide options to accommodate the special risks that you as a property owner may face. Landlords Insurance can also cover:

Damage to your property or other attached structures from a covered fire, natural disaster, or other perils.
Expenses you may be legally obligated to pay, such as property damage or medical payments in the event of injury to a third party
Legal counsel and fees in the event of a related lawsuit
Additional expenses to make up for lost income if your property needs to be repaired due to a covered loss
Because of the variety of options available, an insurance specialist at Luczkowski Agency Insurance and Financial Services is available to make sure you have the right amount of coverage for your rental property at a price that meets your budget. With the benefits of a Landlords Insurance policy, you can rent to tenants with the confidence that your investment is secure.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.

Mortgage Protection Insurance

Mortgage Protection Insurance in Chesterland, OH and Chardon, OH
KEEP THE FAMILY HOME IN THE FAMILY
You have always been there for your family, and you want to make sure they are taken care of after you are gone.

Mortgage protection insurance from Luczkowski Agency Insurance and Financial Services is a simple and affordable way to safeguard your family against the financial burden of an outstanding mortgage in the event of your death, by helping to pay off the remaining balance up to a specified amount. With the right coverage, your family can continue living in the house they have come to call home.

Talk with an insurance specialist at Luczkowski Agency Insurance and Financial Services to see if mortgage protection insurance is right for you and to discuss other life insurance options to give your family the peace of mind they deserve.

NFW-7751AO (02/18)

Property Insurance

Strength and Stability for Your Home.
Your home is your sanctuary. ItÕs a dependable shelter that keeps you and your family safe, and itÕs the place where memories are made. For most people, a house represents the biggest financial and emotional investment theyÕll ever make. With the right property insurance, you can help protect your investment or personal property from what life may throw your way.

Every property insurance policy is different, and at Luczkowski Agency Insurance and Financial Services, weÕll work with you to make sure your needs are met.

We offer many types of property policies:

Homeowners Insurance
Renters Insurance
Condo Insurance
Scheduled Property Insurance
Landlords Insurance
Our property insurance policies also offer many coverage options to protect from various causes of damage:

Fire and Lightning
Theft
Collisions from Vehicles or Aircraft
Hail
Sewer/Drain Backup
Windstorm
Vandalism
Volcanic Eruption
Smoke
Freezing Conditions or Snow
Property Insurance Options to Consider
There are many additional coverage types that are available to safeguard your residence and belongings, and itÕs important to talk with a representative from Luczkowski Agency Insurance and Financial Services who can help you find the right policy.

Options such as flood or earthquake Insurance may not fall under a standard property policy. In the event of an accident or theft, personal property insurance can pay the actual cash value or replacement cost of personal content items or articles like furniture, appliances, and clothing.

As is the case with many features of property insurance, additional coverage can vary greatly depending on your policy, which is why itÕs important to discuss your individual insurance options with Luczkowski Agency Insurance and Financial Services before making a decision.

Scheduled Property Insurance

Scheduled Property Insurance in Chesterland, OH and Chardon, OH
SECURITY FOR YOUR MOST SPECIAL POSSESSIONS.
At Luczkowski Agency Insurance and Financial Services, we know that your personal belongings are an extension of you. The Personal Property Insurance of your Homeowners policy will help protect your valuables up to a certain amount, but may not adequately cover many of your most prized possessions.

Scheduled Personal Property (SPP) Insurance enhances your current Homeowners, Condo or Renters policy to include items of exceptional value such as jewelry, cameras, artwork, golf equipment, firearms, musical instruments, fine silverware, and more. If one of your personal items is damaged or stolen due to a covered incident, your policy can help pay for the expense of a repair or replacement.

Should you decide to add the protection of SPP Insurance, one of the specialists at Luczkowski Agency Insurance and Financial Services will work with you to determine the replacement cost of each item you would want to have insured.

Luczkowski Agency Insurance and Financial Services, we can create a policy that fits your specific needs in order to protect your most personal belongings.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.