• Home
  • Get A Quote
  • Customer Service
  • Report a Claim
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call UsCall us for your insurance needs. 

We are insurance from the HART.

          Marion: (740) 387-0643       |        Upper Sandusky: (419) 835-1181
                                                                 
Home Report A Claim

Report A Claim     Make A Payment
  • Home
  • What We Offer
    • Auto Insurance
    • Business Insurance
    • Farm Insurance
    • Homeowners Insurance
    • Life Insurance
    • Recreational Insurance
    • Umbrella Insurance
  • Blog
  • Resources
    • Refer a Friend
    • Make A Payment
    • Insurance Glossary
    • File a Claim
  • About Us
    • About Us
    • Location Map
    • Customer Testimonials
    • Employee Directory
    • Privacy Policy
  • Contact
  • Community Involvement
Auto Insurance AUTO
 
Homeowners Insurance HOME
 
Farm Insurance FARM
 
Business Insurance BUSINESS
 
Life Insurance LIFE
 
Umbrella Insurance UMBRELLA
 
Recreational Insurance TOYS
 
Home > Homeowners Insurance | Home Insurance - Marion, Ohio - Since 1956

Homeowners Insurance in Ohio

Serving Marion, Wyandot, Crawford, Hardin, Morrow and throughout Ohio for over 60 years!



What Our Customers Are Saying About Us:
"Awesome people here! They help you get the best insurance for the best prices! We've been with them for many years & have never been disappointed!"
 Kimberly Shultz Cordle - Read More Testimonials

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need home insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

For more home tips check out our blogs!  

Thank you for your interest in Verne Hart Insurance. We have been proudly insuring Ohio residents and businesses since 1956. Please feel free to contact us at 740-387-0643 with any questions or you can email your questions and an insurance agent will reply promptly.

Facebook
LinkedIn
Instagram
Blog
logo, company name
logo, company name
Carriers
graphical user interface
Carriers
text
Carriers
Carriers
graphical user interface
Carriers
Facebook Logo

Resources

Home About Us Get a Quote Customer Service Refer A Friend Contact Us

Contact Us

icon
  • Click Here For Our Office Locations
  • O: (740) 387-0643
  • F: (740) 382-2150
  • E: info@vernehart.com
© Copyright. All rights reserved.
Powered by Insurance Website Builder