Exterior Structures Home Insurance Usually Covers

Typical homes have structures that are both attached to the home and detached from it. Some people do have freestanding structures like sheds and garages. Some of these types of structures may or may not be covered and it is a good idea to understand your homeowner’s policy to know if you need more coverage. Many policies will cover anything that is attached to the main home and will not require additional coverage unless the value of the property is significantly increased with additions.

Detached Structures

Some structures that may or may not be covered under homeowners insurance include things like fences, gazebos, and detached garages. While most homeowners insurance does cover these types of structures, there may be policies that don’t. These structures may require additional insurance depending upon your particular policy. The amount of coverage needed can change depending on if a structure greatly increases the overall value of the property. It is important to speak with your agent to determine what detached structures are insured should there be damage from incidents like falling trees or vandalism.

Attached Structures

Any structure that is attached to your home is typically covered by standard dwelling homeowners insurance. These types of structures include sunrooms, fences, and attached garages. It is best to understand what is covered to avoid unexpected additional costs should an incident occur and a structure needs to be repaired. 

If you are looking at getting additional coverage for detached structures, speaking with an agent can help you determine if this is necessary. The agents at Quest Financial and Insurance Services serving Twinsburg, OH can help you with a new homeowners policy or adding to an existing policy to suit your needs. Give us a call or stop in today to schedule an appointment with one of our friendly representatives to discuss all of your insurance needs.

Protecting a Garage With Home Insurance

Residents of Twinsburg, OH with detached garages may be worried about what will happen if something happens to this structure. Thankfully, we at Quest Financial and Insurance Services can provide you with home insurance policies to protect this item from destruction.

Other Structure Coverage Protects Garages

A typical home insurance policy contains what is known was “other structure” coverage. This option can be removed from a policy but shouldn’t be for those who have a detached garage. This coverage option is what helps to protect structures on a property that aren’t attached to a home, like a garage, storage shed, or pole barn.

Some individuals may want to remove this type of insurance from their policy simply because they don’t have any detached structures on their property. However, those with this policy type extend their coverage from their home and over to these structures, thereby protecting them from a multitude of serious issues.

What Damage It Covers

Other structure coverage will protect your detached garage or storage sheds from whatever perils that your home insurance covers. For example, if you have a policy that includes protection from severe fires in your home, other structure insurance will keep your garage safe.

Other types of coverage you can anticipate include protection from vandalism, theft, falling objects, and other types of unexpected issues. However, don’t anticipate coverage for winter damage or wear-and-tear issues because these are considered preventable by the homeowner.

Find Coverage That You Can Afford

So if you live in Twinsburg, OH and have a detached garage that you to be protected with your home insurance policy, please contact us at Quest Financial and Insurance Services to learn more about how you can set up a policy to meet your needs at a price that you can afford.

Is Home Insurance Required In Ohio?

People planning to relocate to Ohio usually ask if home insurance is required in Ohio or not. The answer is straight. Home insurance is not required in Twinsburg, OH or anywhere else around the state, but it is a smart decision to make. The truth is, when you consider the importance of home insurance, you should never buy a home without one, even if it is not mandatory.

If you are a regular working American, it is not likely that you will be able to pay for a home in Twinsburg, OH upfront. Most loan providers will not approve your home loan without home insurance. They provide up to 80 percent of the cash needed and home insurance is a way to secure their investment.

Quest Financial and Insurance Services can provide insurance that will prevent the unpredictable from causing financial havoc to your home while appeasing your lender in the process. So, it is not just an option but a necessity to protect your home from accidents, thefts, natural disasters, and other unforeseen incidents.

Imagine having your home completely raised by fire? Without insurance, you may never get over it, especially when you still have many years to pay up. You may not see the results from your insurance right away and that is why some people prefer to shy away from home insurance. The point is to be prepared when the unexpected happens. So, whether you may use it or not, home insurance is necessary and it is in your interest.

A home insurance policy will also protect you from liability incidents that may happen on your property or in your home. It can handle medical bills for injured guests and help with court fees in the event of a lawsuit. There are many uses for a home insurance policy and the agents of Quest Financial and Insurance Services in Twinsburg, OH can help.

Contact us

Reach out to our offices to receive a quote on home insurance and learn how to get started. We can help prepare your Ohio home for the unexpected.


Tips to Secure Your Home this Summer

Summer is a time for playing volleyball on the beach, water skiing at the lake, and picnicking in the park. Whenever you leave for a fun day, you should make sure that your home is safe and sound. The Twinsburg, OH agents at Quest Financial and Insurance Services want to share a few tips that will keep your home secure while you’re out having fun.

Limit Garage Access

Your garage is where you store your car, lawn equipment, and work tools. In addition, it is a direct link to your home. When you leave for the day, don’t forget to leave the garage door down. If you have a garage door opener in your car, don’t leave your windows open. It would be easy for an intruder to access your vehicle and then enter your home.

Keep Your Windows Sealed

Having an air conditioning unit in the window may be less expensive than central air, but this could be a mistake. An unsecured unit on the first floor could give an intruder easy entry into your home. Think about putting the window unit on the second floor or using fans during the summer. Remember not to leave windows open at night. The cool air may feel good, but this allows easy access for burglars.

Minimize the Overgrown Shrubbery

Allowing shrubs to grow beneath your windows can add beautiful landscaping features, but this can also give outsiders a place to hide while peering into your home. Keep the shrubbery low or remove it altogether. You could also install landscape lighting. This is a great security measure and it will also give your home a wonderful glow in the evening.

Find the insurance agents at Quest Financial and Insurance Services in Twinsburg, OH for an update on your homeowners insurance. You can also get other coverage information such as auto, life, and commercial insurance policies. Our agents are here for your questions and concerns.

Protect your peace of mind by securing your Ohio home

Whether you’re purchasing your first home to start your family or you’re settling in your empty nest in Twinsburg, OH, protecting the home that you love is and should be a priority. Our agents at Quest Financial and Insurance Services understand how important your home is which is why it is our mission to deliver top quality home insurance. If you are moving into your home and haven’t considered how you will protect it from unforeseen incidents like burglary, weather disasters, or fires, allow our agents to provide you with the information you need to make the best choice for you and your family. Whether you’re worried about melting snow or break-ins, we will pick the right insurance for you.

At Quest Financial and Insurance Services, we understand how difficult or complicated it can be to choose the ideal home insurance for your home. After all, this is the net that will ultimately catch you and your family in some of the most vulnerable times of your life. Our agents will walk you through the process and answer your questions while addressing your concerns. We make it our priority to ensure that the process of choosing home insurance is seamless and as simple as possible. Your home is more than just a place to provide shelter. Ensuring its safety means ensuring the safety of your peace of mind.

It’s never too soon to choose home insurance to protect your family, your precious possessions, and the home that you love. Jot down your questions, concerns, and what you want from your home insurance and bring it into our office. Our agents in Twinsburg, OH will carefully guide you through the selection process and help you determine how much coverage you might need. Also, try our online rating tool to get quotes for your home and car from the convenience of your home.

How is Your Home Holding Up this Winter?

The weather in Twinsburg, OH can get cold in the winter. How is your home holding up so far? During this time of the year, it is important to take precautions to protect your home in case we experience extreme weather conditions. At Quest Financial and Insurance Services, we care about our customers. We want you to stay warm and well protected all season long. If you find that your home is not heating properly, or haven’t yet winterized your home, now is the time to do it. We still have plenty of cold weather ahead.

Winterizing the Exterior of Your Home

To get your house up to speed for the winter, begin by performing a few maintenance tasks on the exterior:

  • Check the roof for damaged shingles or flashing and repair them. These can become sources of water leaks during a strong storm.
  • Inspect the chimney and clear any debris or birds’ nests from it. Repair exterior bricks and mortar joints that need fixing.
  • Make sure gutters are clean and debris-free.

Preparing the Inside of Your Home for Winter

The interior of your home may also need a little maintenance to ensure you and your family stay warm and safe.

  • Examine the insulation in the attic and if the ceiling joists are visible, add more insulation.
  • Check doors and windows for cold air seeping inside the house. Add a bead of caulk around windows to seal them. Replace the weather stripping on exterior doors.
  • Make sure that your radon and smoke detectors are both working. Replace the batteries if needed and keep extras on hand.

If you need anything this winter, give an experienced agent at Quest Financial and Insurance Services of Twinsburg, OH a call. We are here to help.

Ways to Stay Warmer Inside

In Twinsburg, OH, it can get pretty cold in the winter. If you are like a lot of people, you want to stay inside and stay warm as often as possible. You may be spending too much on your heating costs and letting some of your heat out without even knowing it. Use these tips from Quest Financial and Insurance Services to stay warmer inside and save some money on your heating costs.

Check Your Weatherstripping

One of the biggest reasons people end up paying too much on heating during the winter, and a reason they may not be as warm inside, is because there are gaps in their doors and/or windows. These are letting cold air in and hot air out. Check your windows and doors for gaps and replace any weather stripping where this is happening. 

Use Your Fireplace 

If your home has a fireplace, you should use it to your advantage. You can get more warmth out of it and spend less money. You can turn your furnace down when you are using your fireplace and it also doubles as a great view. You can easily cuddle up by the fire and read a book while also saving money on your heating cost. If you do not have a fireplace, you can consider getting one installed. It may cost you some money up front but it will save you money in the long run. 

You can stay safer when it comes to your home and finances by making sure you have a great home insurance policy. It is the best way to protect your home. If you would like to learn more about your option, be sure to contact our office serving Twinsburg, OH, today. Quest Financial and Insurance Services can get you a quote for a policy that meets your budget needs and ensure you are well protected. 

3 Ideas for Getting a Better Rate on Your Home Insurance

Are you a homeowner who would like to lower your home insurance premium? These helpful ideas may help you get a better rate. Simply consider the ones that pertain to your individual situation, and speak to your home insurance representative about a possible rate adjustment.

1. Consolidate Your Insurance Policies

Do you carry other types of insurance besides home insurance? If you have an automobile or motorcycle insurance policy, life insurance policy or even a commercial business insurance policy, you might be able to get a better rate through Quest Financial and Insurance Services serving Twinsburg, Ohio. Speak to your insurance representative about moving all your insurance policies with the same company, and you could get a premium discount.

2. Increase Your Deductible

Your home insurance rate through Quest Financial and Insurance Services serving residents of Twinsburg, Ohio is partially calculated depending on your insurance deductible. One quick and easy way to lower your home insurance premium is to ask your insurance representative to raise your deductible.

3. Improve Your Home Security

Home insurance coverage is all about protecting your financial investment in the case of a disaster. The likelihood of a disaster happening is reduced when the homeowner takes steps to improve their home security. Your insurance company may be willing to reduce your home insurance premium if you take steps such as:

  • Installing a sprinkler system
  • Hardwiring a fire alarm  
  • Installing storm shutters
  • Retrofitting for earthquake protection
  • Installing a burglar alarm
  • Subscribing to a third-party alarm service
  • Waterproofing your basement

These are all easy steps that you can take to help lower your home insurance premiums. Not all of them will be relevant to your individual needs, so be sure to talk to your home insurance agent for even more ways to lower your rates.