Unlocking the Essentials: Understanding Your Homeowner’s Insurance

Homeowner insurance:

You’ve been told you need it, but how much do you really know about it? The reality is, homeowner insurance is important to have in order to protect you, your family and your assets from the risks of unexpected circumstances. We know there’s a lot to consider when shopping for a policy and looking for the right agency, so let’s take a closer look.

Things to consider

There’s so much to think about when shopping for insurance, and we want to make sure you make an informed decision! Consider these things when looking for a homeowner insurance policy:

  • Most policies won’t cover water backup unless you purchase a special endorsement. Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered.
  • Flood insurance is not typically included in a standard homeowners policy.
  • Many policies default to actual cash value, meaning that replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
  • For even more savings, you can combine your homeowner and auto policies

How to choose an agent

When choosing an agent to insure you and the ones you love, it’s important to look for an agent who’s knowledgeable as well as trustworthy.

Crunelle Insurance Agency is a family-owned business with more than 50 years of experience. We have a strong commitment to provide high-quality, personalized insurance coverage at reasonable prices. We understand the risks that arise in everyday life and will do everything we can to help you through the claims process should the unexpected happen.

We also know that insurance isn’t at the top of your mind on a daily basis. As our client, we promise to explain what the policy covers in terms that make sense to you, and you can rest assured that our recommendations will align with your unique circumstances.

Shopping for homeowner insurance may not be the highlight of your day, but it’s such an important step to protecting you, your family and your home. At Crunelle Insurance Agency, we want to earn your business and your trust. 

Contact us today for a free, no-obligation quote.

About Us

Welcome to Crunelle Insurance, your trusted partner for comprehensive and tailored insurance solutions. Based in Central Ohio, we’re a locally-owned firm deeply committed to securing your peace of mind. 

With years of expertise in business, property, auto, and umbrella insurance, we’re here to help you navigate life’s uncertainties. Let us put our knowledge to work for you, so you can focus on what matters most: living your life with greater confidence.

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