Tiffin Ohio Home Insurance

You’ve purchased a home for the first time, or maybe this is your second home to accommodate your expanding family, or maybe you’ve found a nice condo to reside in for the next few years or for the rest of your retirement, or just maybe you’ve built the house of your dreams. For most of us our home is the most expensive purchase we will ever make. You need to make sure that you’ve taken the proper steps to find home owner’s insurance coverage that will adequately protect your new home! We’ve been through this process thousands of times with new and current clients alike, and we have to admit, we’re pretty good at it.

The two most important things your insurance agent can do is listen and then give your choices, which is what the Roger Smith Insurance agency prides itself on. Our professional insurance agents have over 60 years of insurance experience, which means they have helped countless people like yourself in the Tiffin Ohio area when it comes to their home insurance needs. We have the experience and the insurance industry knowledge to help you make solid and informed home insurance decisions. We’ll help you understand your coverage options and help you estimate the replacement cost value of your home. Most importantly, if disaster should strike your home we’ll be right there for you to help you through those hard times. We offer multiple types of home insurance, see below for a few of our coverage options…

Types of home insurance coverage we offer:

  • Home
  • Condo
  • Rental Dwellings
  • Renters
  • Flood: Note Flood Insurance is a separate policy and is not covered under any homeowners policy in the U.S.

Peace of Mind

As you sit in your brand-new home, unloading boxes, one of the best feelings in the world is to know that you are properly insured and that your dream home is protected in the event that anything would happen to it. If you haven’t taken the time to sit down with a trusted insurance adviser, chances are you won’t be able to experience this satisfying feeling. If you haven’t made a decision on your new home owners insurance, or even if you have, there is still time! We don’t want to scare you into buying insurance, but rather we would like to come alongside you and give you the best advice possible since we have been there with many of our clients before. The last thing we want you to experience is regret after a claim happens on your new home and you didn’t take the time to sit down with a trusted agent to discuss your insurance coverage and make sure that you were adequately covered. Trust us when we say that we will listen to your wants and needs and give you options that best fit your situation. In fact, that’s part of our corporate philosophy here at the Roger Smith Insurance Agency in Tiffin Ohio.
Most people don’t want to sit and stare at an insurance policy for hours reading it line by line, and we would tend to agree with that, it’s much easier and enjoyable to sit down with someone who understands insurance coverage and allow them to explain it in layman’s terms. If you built your new home it’s unlikely that you sat down and sketched out your entire building plans and handed them to your home builder, so why do people expect you to be able to write out your own insurance plan? You obviously sought out the help of a professional in Tiffin Ohio and it’s no different when it comes to your homeowners insurance. We are a professional insurance agency that specializes in property and casualty insurance coverage. We are in our element when sitting down with you or talking over the phone and helping you understand coverage while designing a plan that best fits your needs. We will even go above and beyond once we’ve helped you design your home owner’s insurance plan to find you the most amount of discounts available…

Our companies offer you the following discounts:

  • Auto & Home
  • Deductible Credits
  • Smoke Detectors
  • Dead Bolts
  • Loss Free
  • Senior Citizens
  • Protected Fire Class
  • New Home Credits
  • Recent Updates
  • Premises Alarm
  • Masonry Construction

When it comes to finding your the best rate in Tiffin Ohio, we are your one stop shop to do so. We wont make you poke around on the internet for hours visiting multiple insurance company sites, we take the work out of shopping for the best home insurance rate. We have a stable of insurance carriers that we work with on a daily basis, and they all have their own strengths. It is our job to listen to your insurance needs and find you the best carrier that aligns with your wants and needs! We understand the insurance industry and what certain companies are looking for when you apply for their particular home owner’s coverage, so we are able to find the best fit for you.

Some factors that determine your rate include:

  • Age of Home
  • Value of Home
  • Location of Home
  • Construction Type
  • Deductible
  • Loss History
  • Recent Updates

What to do after a loss:

In the event of any homeowners claim you should contact your agent or your insurance company immediately after the situation is secured and everyone is safe. Don’t go out and by new products to replace the old before you have reported the claim and don’t throw out any damaged goods. You should try to organize them and make an inventory of your losses. We recommend everyone should have some sort of inventory for there personal property. You can just imagine how difficult it would be to come up with a list of everything you lost after such an emotional loss. We recommend a fun an easy to use home inventory software from knowyourstuff.org. You could also use Google Docs which allows you to save your documents on Google Drive which can be accessed from any computer through your Gmail account. You can always simply make a list in a notebook and save receipts and photos in a file. This software, however, should make this task fun and simple. More importantly, with the click of your mouse, you can update this list as you buy or eliminate personal possessions. You can also seek out a local home inventory specialist in the Tiffin Ohio area, these services are becoming more readily available and more important in today’s day and age.

Having an up-to-date home inventory will help you:

  • Purchase enough insurance to replace the things you own
  • Get your insurance claims settled faster
  • Substantiate losses for your income tax return

Whether you’ve just purchased your home or have been in your home for over 30 years, it’s never a bad time to chat with one of our professional agents in our Tiffin Ohio office to see what we can do for you. We’ve helped a countless number of clients save money, find the proper insurance coverage, and most importantly have peace of mind! Call us today at (419) 447-9900 or fill out our Contact Us form online. No matter how you’d like to connect, we’ll be here to listen and offer you choices when it comes to your insurance needs.