Home & Property Insurance for Every Kind of Home

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Coverage That Works Wherever You Live — Or Invest

Your home — or the property you rent out — deserves coverage you can count on. Whether you own, rent, lease, or manage properties in Kalida, Ottawa, Cloverdale, or Columbus Grove, our home & property insurance options give you the flexibility and peace of mind you need.


We work with multiple carriers to offer tailored coverage for homeowners, renters, landlords, condo owners, and more — all backed by our local, neighbor-first approach.

What We Offer

Homeowners Insurance

Comprehensive protection for your home’s structure, belongings, and personal liability. Ideal for primary residences in towns, neighborhoods, or rural properties.

Renters

Insurance

Affordable protection for your belongings and liability when you lease a home or apartment. Great for students, tenants, and anyone not owning the property they live in.

Condo

Insurance

Condo policies fill in the gaps left by HOA master insurance, covering your unit’s interior, personal property, and liability.

Landlord

Insurance

Insurance designed for rental property owners. Covers the building, liability for tenant-related incidents, and optional loss of rental income.

Flood

Insurance

Standard home policies don’t cover flood damage. Our standalone flood insurance helps protect against storm runoff, rising rivers, or rapid snowmelt.

Earthquake Insurance

Offered as an add-on or standalone policy, earthquake coverage protects your property and belongings in case of seismic damage.

Serving Kalida & Nearby Communities

We’re proud to serve homeowners, landlords, and renters throughout northwest Ohio — including:

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Kalida

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Cloverdale

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Columbus Grove

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Ottawa

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and surrounding areas

Whether you’re living in your first house, renting your tenth apartment, or managing a handful of rental units, we’re here to make insurance easy to understand and even easier to manage.

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Frequently Asked Questions

  • Do I need separate insurance for rental properties?

    Yes — landlord insurance is different from homeowners insurance and provides the right protection for income-generating properties.

  • Can I cover multiple properties under one policy?

    In some cases, yes. We can explore your portfolio and help you simplify coverage across properties where possible.

  • What’s the difference between renters and homeowners insurance?

    Homeowners covers the structure and the resident’s belongings. Renters insurance only covers your personal property and liability — not the building itself.

  • Is umbrella insurance necessary?

    It’s optional but smart — especially if you own multiple properties or want extra liability protection beyond your basic policies.

Let’s Protect the Property You Call Home

Ready to quote homeowners insurance in Kalida? Need flood or landlord coverage in Cloverdale or Columbus Grove? We’re here to help. Let’s build a policy that works for the way you live — or invest.