Buying a home is a big decision. Owning a home is an ongoing and often expensive investment. Protecting your home and its assets is important. That’s what we’re here for at Hitchings Insurance. We cover insurance products for homeowners and other types of home arrangements in Ohio and Michigan.

We know that your home is your biggest investment. And we know that homes take many forms. Maybe you own the perfect piece of land on which you built your dream house. Maybe the kids have moved out and you need to downsize to a condo. Maybe you’re renting your first apartment. Whatever your unique circumstances may be, Hitchings Insurance is here to help you get the best Ohio home insurance policy at the best possible price.

So many questions!

In Ohio, Home Insurance can be complicated. We’ll help break that down. We’ll find the right coverage required by your mortgage lender. We’ll talk with you about your specific situation: what personal property needs to be safeguarded? What liability coverage will you need? Are outbuildings like garages, sheds, and barns covered? What part of your condo is covered by the condo association? What’s the difference between replacement cost and actual value?

We can help you with all these questions and more. We will point out any gaps in coverage that might require additional insurance. For example, did you know that Homeowners Insurance doesn’t cover you for floods? Or that antiques, gun collections, expensive jewelry, and other valuables might require special coverage?

The devil, as they say, is in the details. And Ohio Home Insurance policies can get very, very detailed. That’s why the independent insurance professionals at Hitchings Insurance take pride in staying up to date and well-informed about the particulars of our industry. We share our knowledge with you, and together we’ll put together an insurance plan that fills gaps in your coverage, gives you security and peace of mind, and won’t break the bank.

You talk, we listen!

Hitchings Insurance is here to answer all your Home Insurance questions. We’ll find you the right policies with the right coverages at the best possible price. After all, you’re our neighbor!

No matter where you are in your life’s journey, the professional agents at Hitchings Insurance are here to help you achieve your goals by protecting your valuables and mitigating your risks. We’ll do that by actively listening, by asking questions, by following up on details, and by using our broad network of insurance partners to find the best coverage for you, your home, and your family.

We invite you to learn why so many of your neighbors trust us to help them safeguard their most important assets with the right Ohio Home Insurance policies. Learn about the Hitchings Insurance Agency difference yourself – fill out a free quote form or call us at 419-423-9145.


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Extended protection that kicks in once the policy limits
of your primary policy have been reached.

Wind / Hail Coverage

Protection against damages resulting from wind and hail storms.

Fire Damage

Protection against damages resulting from a fire.

Jewelry & Other Valuables

Additional coverage for jewelry and other high valued items against loss, damage, or theft.

Loss of Use

Covers costs associated with additional living expenses
if your home is uninhabitable.

Loss of Freezer Contents

Coverage against food-spoilage due to a power outage
or other covered event.

Equipment Breakdown

Protects your appliances from mechanical and electrical failures.

Water Backup

Coverage against a backed up drain or sump pump.

Service Line Coverage

Coverage in the event that the pipes or wiring coming into
your home are damaged.

Personal Liability

Provides coverage for bodily injury and property damage.

Other Structures

Coverage for sheds, barns, and other out-buildings.

Flood Coverage

Protection against damages caused from flooding.

Earthquake Coverage

Coverage against underground earth movement.
Available with a 5% or 10% home deductible.

Replacement Cost - Cash Out Option

This coverage allows you to get paid on the full replacement value of the home,
even if you don’t want to rebuild it on the damaged location, allowing you to relocate if you so choose.

Theft of Firearms

All home policies have a firearm theft limitation built into the policy, included limits available up to $20,000.

Special Form Personal Property

Covers personal property against any source of loss that is not specifically excluded.

Computer / Electronic Device Coverage

Coverage against your homes electronics, iPads, computers, etc.

Identity Theft Coverage

Coverage that reimburses victims for money spent to repair their credit reports and identities.

Interactive Coverage Map

Home Insurance

Protecting your home and its assets is important