At Fulmer Insurance, we recognize the importance of protecting your home with dependable homeowners insurance. We are dedicated to helping you each and every step of the way to find you quality home insurance solutions. In order to do so, it is important that we take the time to accurately review your individual insurance needs.
Typical coverage packages for homeowners insurance could include protection for the following:
- The physical structure of your home
- Replacement cost
- Personal possessions
- Additional living expenses (in the event of covered loss or a natural disaster)
- Personal Liability
Additional coverage options may include:
- Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance)
- Flood Insurance policies
- Earthquake insurance policies
- Umbrella Insurance policies (additional liability)
- Animal Liability (liability issues due to household pets)
We aim to create custom homeowners insurance packages that reflect the distinct needs of you, your family, and your home.
Contact us today to learn more about the home insurance coverage we offer.
Home Insurance FAQs
Yes. Most insurance companies allow you to adjust your deductible when purchasing or renewing your policy. Choosing a higher deductible may lower your premium, while a lower deductible can reduce your out-of-pocket costs after a covered claim.
Getting a homeowners insurance quote is simple. You’ll typically need basic information about your home, including its age, size, and location. If you’re in Zanesville, our team can provide a personalized quote and help you compare your coverage options.
No. Every home is different, so homeowners insurance is tailored based on factors like the home’s age, size, location, construction, and the coverage you choose. That’s why it’s important to select a policy that fits your specific needs.
Many insurance companies offer discounts for bundling policies, installing home security systems, having a newer roof, or maintaining a claims-free history. If you live in Southeast Ohio, our agency can help you identify discounts you may qualify for.
Many homeowners insurance policies provide limited coverage for personal belongings even when they’re away from your home. Coverage limits and exclusions apply, so it’s important to understand what your policy includes.
If it’s safe to do so, document the damage with photos, take steps to prevent further damage, and contact your insurance company as soon as possible. Keeping records of your repairs and expenses can also help during the claims process.
In most cases, homeowners insurance covers an attached garage as part of your home’s structure. Detached garages may also be covered, although coverage limits can vary by policy.
Yes. In fact, most mortgage lenders require homeowners insurance before closing on your home. If you’re buying a home in Zanesville, we can help you find coverage before your closing date.
Many homeowners insurance policies cover damage caused by storms, including wind, hail, and lightning. Coverage varies by policy, so homeowners in Ohio should review their policy to understand what’s covered.
The amount of homeowners insurance you need depends on the cost to rebuild your home, the value of your belongings, and your liability needs. If you’re unsure whether your current policy provides enough protection, we’re happy to help you review your coverage.