Homeowners Insurance Serving all of Ohio

Keeping Your Home Protected

Watching movies with the family, having those deep talks over a cup of coffee, pushing a swing in the backyard: a home is where life really happens. You’ve made sure your family always has a safe place to be together. That’s why it’s so important to make sure you’ve got coverage that replaces your home and contents should you suffer a fire loss.

Burgett Insurance works hard to make sure you have the insurance protection in place to repair or replace your home, as well as the things you and your family own inside your home. We protect you against the liabilities that sometimes occur simply by being a homeowner, like your ladder falling onto the neighbor’s car, a stray baseball breaking a window, or someone falling and suffering an injury on your property.

Is Your Policy the RIGHT Policy?

Every insurance policy has specific limits for various items, such as jewelry, artwork, collectibles, electronics, and other items. This results in heavy out-of-pocket expenses to replace what has been lost or stolen. And the differences don’t stop there.

Some policies reimburse based on actual cash value (ACV), while others are written as replacement cost policies. Actual cash value coverage determines value by taking the cost to replace your personal belongings and reducing that amount due to depreciation. For instance, if a fire destroys a TV that’s 5 years old, your ACV policy reimburses you for the depreciated value, which is less than the cost to replace it with a new one. Replacement cost coverage covers the cost of replacing an item with a new one at today’s price. For that same 5-year old TV, you’d be reimbursed to purchase a new TV of similar model and quality with no deduction for depreciation.

The professionals of Burgett Insurance walk you through your options, explaining policy limits and types so you understand the coverage you’re getting…and you get the coverage you want.