Personal
Home Insurance
Let’s help protect the biggest investment you’ll make in your lifetime.
Personal
Safeguard Your Home and Everything In It
Diebold Insurance offers comprehensive home and condo insurance policies to protect your property and personal belongings. Offering policeis that provide compensation for reconstruction costs, living expenses if you’re temporarily displaced, and limited coverage for valuables like jewelry and art. Additionally, policies provide liability protection in case of accidental injury or property damage. Diebold Insurance works with top carriers to offer tailored solutions that meet your specific needs.
Home Insurance
Your home is more than just a building – it’s where family gathers and memories are made. Fires, floods, broken pipes and other unexpected events can disrupt everything. When your home or belongings are damaged, the stress can feel overwhelming and the worry about replacing what’s lost shouldn’t add to the burden.
With homeowner’s insurance, you can better protect your property and belongings. Our dedicated team works to find you the coverage you need and an insurance company that’s the best fit for your lifestyle.
Let us help you find the protection you need so you can focus on what matters most—your family.
Many homeowner’s insurance policies don’t provide adequate coverage in the event of a complete loss. We’ll work with you to help find you a policy that provides compensation for:​
Reconstruction Costs
If your home is destroyed or seriously damaged, get compensation for the cost to rebuild your home.
Living Expenses
If you are temporarily unable to live in your home due to a disaster, you can get coverage for living expenses such as hotels and meals.
Limited Coverage for Replacement of Jewelry, Art, or Other Valuables
 If stolen, lost or destroyed, you can receive set limits of compensation to help cover the cost of replacing these valuables.
(You may want to purchase additional coverage depending on the value of your possessions.)
Liability Coverage
If you are sued for accidental injury or property damage, you have coverage up to your liability limits.Â
(You may also want to supplement your liability coverage with personal umbrella insurance.)
Water Backup Options
Help protect yourself against damage caused by backups from sewers and drains.
Condo Insurance
Condo coverage is unique. Many condo owners mistakenly assume that their building’s master insurance policy has them fully covered – and that can lead to big problems. To protect yourself, it’s important to have your own insurance coverage and stay informed about any changes to your association’s master policy so you avoid potential coverage gaps.
If you or the prior owner of your condo made permanent upgrades – like installing new cabinetry or upgrading a kitchen or bathroom – your association’s policy might not cover those changes. You may need increased dwelling coverage on your own policy to provide your investment.
For those purchasing a newly constructed condo, it’s best to consult with the contractor about potential renovation or upgraded materials costs and speak to your agent before any work begins. Being prepared and having the necessary coverages before construction begins ensures you’ll have the protection and peace of mind you’ll need during the project.
Our team is here to help you make coverage decisions to protect your investment.
Tailored condo insurance solutions can include:
Loss Assessment Coverage
You’re covered when the association’s insurance policy doesn’t cover the total cost of damage to common areas or when a lawsuit is brought against the association.
Personal Property Coverage
Help protect your belongings, both on and off the premises.
Valuable Articles Coverage
Get coverage for loss or theft of jewelry, art and other valuable items.
Liability Coverage
Better protect yourself against costly liability lawsuits arising from such occurrences as accidental water damage to a neighbor’s unit or someone slipping and falling in your condo.
Renter’s Insurance
If you’re renting a house or apartment, it’s important to know that your landlord’s insurance only covers the building itself – not your personal belongings. Clothing, electronics, jewelry and other valuables are the types of items most frequently listed on renter’s loss claims. Without the right coverage, replacing these essential items can quickly become financially overwhelming.
The solution is simple: as a renter, you need your own renter’s insurance policy to help protect yourself and your belongings.
Some insurance coverage options to consider include:
Theft Coverage
This is essential coverage; it can provide protection if your belongings are stolen.
Replacement Cost Coverage
This pays to completely replace lost items, regardless of the current value. You need this as a safeguard against depreciation in the value of your belongings.
Cash Settlement Option
Choose to receive a cash settlement, with no requirement to repair or replace the item.
Personal Liability Coverage
Help protect yourself and your finances if you are sued for causing accidental bodily injury or damage to the property of others.
Home Cyber Protection
Can provide coverage that responds to computer and home system attacks like cyber extortion, fraud, or data breech.
Fine Arts Insurance
Unique objects demand special coverage.
Whether you cherish family heirlooms, collect fine art, antiques, or sports memorabilia, your standard homeowner’s insurance might not provide enough protection for your most valuable possessions. In many cases, coverage for these items is limited—often just a few thousand dollars—and that’s only after you’ve met your deductible.
For unique and valuable collections, a specialized safety net is essential. Scheduling these items on your insurance policy is one of the best ways to safeguard them. This added protection covers losses from accidents, theft, fires, shipping, natural disasters, and more, giving you peace of mind that your treasures are secure. It’s also vitally important to keep your fine arts insurance policies and your appraisals updated. If you add items to your collection, make sure to update your coverage.
Work with our team who understands.
Jewelry Insurance
Be certain your cherished jewelry is protected when the unexpected happens.
A standard homeowner’s insurance policy often falls short when it comes to covering valuable possessions like jewelry. In many cases, coverage is limited to just a few thousand dollars—and that’s only after your deductible is applied.
While no policy can truly replace the sentimental value of a treasured ring, necklace, or other keepsakes, jewelry insurance can help ease the financial loss.
Our team is here to help you find the right coverage for your needs, whether that means scheduling individual items or choosing blanket coverage. With the right protection in place, you can rest assured when wearing your items or storing them at home.
Some other important factors to consider:
- Rings, necklaces, watches, and earrings are the items most frequently cited in claims.
- The value of gold and other precious metals has increased over the past 10 years. Even if your jewelry is insured, it may be undervalued.
- Due to changing values, you should reappraise items every two to four years. To ensure that your coverage is adequate at the time of a claim, remember to share the updated appraisals with your risk advisor.
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