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.
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.
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 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.
Need a Homeowners Insurance comparison in the Chesterland area?
If you’re like most homeowners in Ohio, your home is your most valuable asset and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.
The Luczkowski Agency can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and competitive pricing.
Note: if you are looking for homeowners insurance for a rental property or home that is unoccupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with.
Regardless of whether you live in China Grove or any other part of North Carolina, homeowners insurance is one of the most important insurance policies you could ever own.
It’s important to understand that no two homeowners insurance policies are created equal, though. Different insurance companies offer different levels of coverage, different endorsements, and riders and have different conditions and limitations.
Chesterland and Cleveland Homeowners Insurance
If you’re not using an agent in your hometown like us, it can be hard, if not impossible, to tell the difference between two homeowners insurance policies.
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners’ insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property, or whether it’s a policy that covers only specified losses.
Common Homeowners Insurance Coverage
These are some common coverages you typically see on a policy:
Dwelling — this is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.
We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.
Other Structures — this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually, this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.
Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically, anything that would fall out of your house if you turned it upside down and shook out the contents.
Loss of Use — this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.
Medical Expense —this covers medical expenses for guests if they are injured on your property and, in some instances, covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Family/Personal Liability — Personal Liability Coverage applies if someone is injured or their property is damaged, and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.
Scheduled Personal Property — there are some situations where you might want special coverage for valuables or collectibles like jewelry, guns, collectibles, rugs, etc..
How to get started with your homeowner’s quote:
Every home is unique and therefore requires a carefully crafted policy.
If you’d like us to review your current policy and provide you with no-obligation quotes, call our office, and enter some basic information in the fields below to get started online. Either way, we make the process super simple!
