Home Insurance
Your home may be the largest single investment you will make in your lifetime. Shouldn't you make sure it is properly protected? Through our independent insurance carriers, we offer comprehensive coverage for your home, other structures, contents, and personal liability.
Common Coverage Options:
Personal Liability - Coverage protects you against a claim or lawsuit resulting from bodily injury or property damage to others while on your premises or due to actions of you or your family members.
Medical Payments - Coverage pays for medical expenses incurred by persons accidentally injured on your property. This coverage does not pay for injuries sustained by you or family members living with you.
Water Back-Up of Sewers or Drains - Coverage pays for damage to your home resulting from backup of sewers or drains.
Equipment Breakdown Coverage - Coverage protects you against unexpected repair or replacement costs due to a mechanical, electrical, or pressurized system breakdown.
Replacement Cost - Pays the amount it would take to replace, rebuild, or repair damages with materials of a similar kind and quality without deducting for depreciation.
Inland Marine - Schedules items individually to extend coverage - some common schedule items include - Firearms, Jewelry, Golf Carts, Cameras, Fine Arts and musical instruments
Did you know you can insure your boats and jet skis under your home owner’s policy? Ask us how!
Home Insurance in Ohio
Your home is one of your biggest investments and protecting it is one of the smartest things you can do. At Steiner & Granger, we offer comprehensive homeowners insurance solutions to safeguard your home, belongings, and financial security. Whether you own a house, condo, or rental property, our experienced team will help you find the right protection to fit your lifestyle and budget.
Common Coverage Options
Personal Liability
Personal liability coverage protects you against claims or lawsuits resulting from bodily injury or property damage caused to others while on your property or due to the actions of you or your family members. This coverage helps cover legal fees, settlements, or medical costs, providing peace of mind in unexpected situations.
Medical Payments
Medical payments coverage pays for medical expenses if someone is accidentally injured on your property, regardless of fault. This coverage applies to guests and visitors but not to you or family members who live in the home and can help prevent small accidents from becoming financial burdens.
Water Backup of Sewers or Drains
Few things are more frustrating than a flooded basement or water damage caused by sewer backup. Water backup coverage helps pay for repairs and cleanup caused by a sewer or drain backup, protecting your home’s structure and personal property from costly damage.
Equipment Breakdown Coverage
Today’s homes rely on advanced systems from HVAC units to kitchen appliances. Equipment breakdown coverage helps pay for the repair or replacement of major systems and appliances when they fail due to mechanical, electrical, or pressurized system breakdowns. It’s an affordable way to protect against unexpected repair bills.
Replacement Cost Coverage
Unlike policies that only pay for an item’s depreciated value, replacement cost coverage ensures you’re reimbursed for the full cost to repair, rebuild, or replace damaged property with materials of similar kind and quality without deduction for depreciation. It’s one of the best ways to make sure your home and possessions are fully protected.
Inland Marine Coverage
Your standard homeowners policy might not cover everything especially valuable personal items. Inland marine coverage allows you to individually schedule high-value items such as jewelry, firearms, fine art, cameras, golf carts, and musical instruments to ensure they’re properly protected from loss, theft, or damage.
Additional Protection You Might Not Know About
Did you know you can also insure your boats, jet skis, and other recreational vehicles under your homeowners policy? Ask us how we can extend your coverage to protect every aspect of your home and lifestyle.
Why Choose Steiner & Granger for Homeowners Insurance?
For more than 30 years, Steiner & Granger has helped homeowners across Northwest Ohio safeguard their properties with personalized coverage and outstanding service. Our team takes the time to review your home’s unique needs, explain your options in simple terms, and ensure you’re insured properly not just insured.