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home, house insurance

Home Insurance

Protect What Matters Most with Home Insurance from Sprouse Insurance/OneDigital

Your home is more than a building—it’s where your life happens. But have you considered what would happen if disaster struck tomorrow? Are you confident your home and belongings are properly covered?

When the unexpected happens, insurance coverage is crucial. And with Sprouse Insurance/OneDigital, you’ll have peace of mind knowing:

  • Your representative took the time to ensure you’re protected.
  • Your insurance carrier has your back when you need it most.

What is Home Insurance For?

Home insurance provides financial protection against the most common risks homeowners face, such as:

  • Property damage from fire, windstorms, hail, or lightning.
  • Personal liability for accidents on your property or injuries caused by your pets.
  • Theft and vandalism of personal belongings.
  • Unexpected incidents, including storm damage, sewer backups, or sinkholes (with appropriate endorsements).

When you experience a loss, you file a claim with your insurance carrier, and they cover the damages—minus your deductible.

Home insurance also protects you from personal liability, which can help cover legal and medical costs if someone is injured on your property or due to your actions.

Do You Need Additional Coverage?

Depending on your home and lifestyle, you may need additional policies or endorsements to fully protect your investment, such as:

  • Flood insurance (not included in standard policies).
  • Sewer or septic backup coverage.
  • Replacement cost coverage for personal belongings.
  • Dog bite liability insurance.
  • Umbrella liability insurance for higher-value claims.
  • Coverage for trampolines, swimming pools, or other unique risks.

An independent insurance agent at Sprouse Insurance/OneDigital can guide you through your options, ensuring your coverage fits your specific needs.

Little-Known Facts About Homeowners Insurance

Avoid surprises by understanding these important details:

  • Sewer backup isn’t standard. A special endorsement is required, and it’s often inexpensive.
  • Flood damage isn’t covered under standard policies—consider separate flood insurance.
  • Jewelry coverage is limited. Standard policies cap coverage for jewelry unless additional riders are purchased.
  • Replacement cost matters. Policies default to actual cash value unless upgraded to replacement cost coverage, which pays for the full value of items, not their depreciated value.

Who Needs Home Insurance?

Whether you own, rent, or manage a unique property, we’ve got you covered:

  • Frame houses
  • Concrete Block Structure (CBS) homes
  • Manufactured homes
  • Mobile homes on acreage
  • Condos and townhouses
  • Seasonal or secondary homes
  • Homes rented to others
  • Renters in apartments or rental homes

Bundle and Save

Save even more by bundling your home and auto insurance with Sprouse Insurance/OneDigital. Bundled policies mean greater discounts and streamlined coverage, so you’re protected without breaking the bank.

The Sprouse Insurance/OneDigital Difference

We’re proud to be your neighbors, serving Fremont, Genoa, Oak Harbor, Gibsonburg, Millbury, Clyde, Port Clinton, Woodville, and beyond. We take the time to understand your unique needs, partnering with responsive and affordable insurance providers to deliver tailored protection for what matters most to you.

Get a personalized quote today and let Sprouse Insurance/OneDigital help you protect your home, your belongings, and your peace of mind.

Contact us at the office nearest you.

“Just so you know when you are talking to people about Hastings, they have AMAZING customer service! This is the first time I’ve had to do this in my life and everyone can not believe how easy it has been with them. They even accepted the quote the first time, the shop is a friend of a family so I know he probably gave me a little bit of a deal but he couldn’t believe they didn’t try to change anything! Great company.“

Jennifer

Request a Free insurance quote today!