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 Homeowners Insurance

Your home may be the largest purchase you ever make, and the insurance coverage you choose to protect your dwelling is among the most important decisions you are faced with as a homeowner.  Since 1928, generations of policyholders have relied upon LEUSCH Insurance Services to provide the coverage, service, and peace of mind that comes when your home has the best in protection.
 
ESSENTIAL COVERAGE THAT EVERY HOMEOWNER NEEDS:
 
Physical Structure of your Home and your Personal Property
Perhaps your top priority.  A loss caused by anything from fire and lightning, windstorm, smoke, freezing and theft, to glass breakage, explosion and the weight of ice, snow or sleet.
 
Replacement Cost Coverage
Market value does not always equate with the cost of replacing your home. You want coverage for the full current cost of repairing or rebuilding your home and household furnishings, appliances, clothing, or other personal property damaged due to a covered loss.
 
Loss of Use or Additional Living Arrangements
When your house is damaged so severely it cannot be occupied, your additional living expenses are covered while your home is being repaired.
 
Personal Legal Liability Protection
You and your houshold members are covered against negligence claims arising from incidents worldwide if you are found legally responsible for bodily injuries or property damages.
 
OPTIONAL COVERAGES:
 
Home Replacement Additional Amount of Insurance
If you insure your home to 100% of its replacement cost the insurance companies will provide an additional amount of insurance (the amount varies by company) even if that exceeds the insured amount of the policy.
 
Scheduled Personal Property
You may want to insure unique or high-valued items such as jewelry, furs, collectibles, and fine arts separately to broaden the covered perils or provide a specific amount of coverage.
 
Inflation Protection
To help ensure the coverage on your home remains adequate year to year, the dwelling coverage limit is automatically increased at each renewal to an amount reflecting changes in construction costs and other pertinent factors.
 
Water Back-up and Sump Overflow
Pays for damage caused by water that backs up through sewers or drains and that is not caused by your negligence.

Kirtland Hills home insured by LEUSCH Ins Services

All Homeowner Policies are NOT alike !
 
A quality homeowners policy is designed to be convenient, affordable and flexible to meet your specific insurance needs.

 
DISCOUNTS AND CREDITS:
 
You can save money on your homeowners insurance policy if any of the following applies to you:
 
Auto / Home Discount
Available if both your qualifying auto and homeowners insurance are written with the same insurance company.
 
Prime of Life Discount
If you're 45-or-older, you could qualify for this exclusive program that provides enhanced auto / homeowners coverage, in addition to substantial premium discounts.
 
Discounts for Smoke Detectors and Other Home Protection Devices
If you have these items installed in your home, you could qualify for a policy discount.
 
Credits for Higher Deductibles
If you choose higher deductible amounts on your policy, you could reduce your total premium.
 
Age of Dwelling Discounts
You can receive credit for newly built homes. 

Free Comparison Rate Quote
Free Comparison Rate Quote

 
Below are some of the BEST insurance companies on the planet
for insuring your HOME and PROPERTY
and we are proud to represent them ! 
( click a logo to transport to a company website and learn more )
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Copyrights 1996 , 1997, 2004, 2008, 2009,2010, 2017 
Leusch Insurance Services Agency, Inc.
dba INSURANCE CONCEPTS
All Rights Reserved 
 
Coverage statements in this web site are general descriptions only. The full and exact contract is contained only in the policy. For costs and complete details of coverage, including applicable
exclusions and limitations, call or write our agency.
 
LEUSCH Insurance Services Agency, Inc. is licensed to do business in the following states:
Ohio, Pennsylvania, Michigan, Florida, New York, Texas, Illinois, and Iowa
 
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