Protect Your Home, Your Belongings, and Your Future in Northwest Ohio and Southeast Michigan
A single storm, theft, or unexpected event can turn everyday life upside down. Homeowners, condo, and renters insurance offer financial protection to help you recover from covered losses—keeping one challenge from becoming a long-term hardship.
Homeowners Insurance: Comprehensive Coverage for Your Property
A standard HO-3 policy insures the home, detached structures, personal property, and liability. It addresses damage from fire, wind, hail, lightning, and vandalism. Additional living expense coverage helps with temporary housing if your home is uninhabitable after a covered loss. You can schedule valuable items like jewelry or collectibles for specific protection amounts.
High Value Homes
While traditional homeowners policies cover the basics, a high value home policy goes far beyond to safeguard your investment, lifestyle, and peace of mind.
In addition to comprehensive protection for your dwelling, other structures, personal property, liability, and loss of use, our policies include enhanced features tailored for upscale residences:
- Extensive Personal Property Coverage: Protect valuables like fine art, jewelry, and collectibles with higher limits and specialized options.
- Debris Removal & Landscaping Damage: Full reimbursement for cleanup after a covered loss, including trees, shrubs, and outdoor features that enhance your property's curb appeal.
- Everyday Conveniences: Reimbursement for Social Security check delays, mortgage payments during uninhabitable periods, and evacuation expenses.
- Specialized Protections: Identity fraud resolution, ceiling/drywall repairs, and lock replacement.
- Available right here in Toledo (including Sylvania, Perrysburg, Maumee, and southeast Michigan) high value home policies safeguard your home from the unexpected.
Condo Insurance (HO-6): Focus on Your Unit
We offer condo association master policies to cover building exteriors and shared spaces.
We also offer individual (HO-6) policies to protects your personal unit. What coverage belongs to the master policy vs. what falls on the unit owner vary according to association bylaws. Generally, HO6 policies include interior finishes, appliances, and belongings. It includes personal liability and can provide loss assessment coverage for your portion of certain association claims.
Renters Insurance: Trade Pennies for Dollars.
Renters accumulate thousands in clothing, electronics, furniture, and gear. Renters insurance covers personal property against named perils, adds liability protection, and reimburses extra living costs if your rental becomes unlivable after a covered event. Plans often start around $15 a month.
Why an Independent Agency?
We shop multiple insurers to compare rates and coverage options, helping you find the right fit for your budget and needs. Local experience guides recommendations for endorsements like wind deductibles or increased limits for rebuilding costs.
Bundle home and auto for multi-policy discounts up to 25%. Add umbrella coverage for $1 million or more in extra liability for $250–$350 a year. Qualify for savings with claims-free history, protective devices, new-home construction, or strong credit.
Your home—owned, condo, or rented—holds daily routines, family milestones, and hard-earned belongings. The right policy helps safeguard it all.
Call or click for a free, no-pressure quote on homeowners, condo, or renters insurance. Peace of mind is just one conversation away.
