Homeowner Insurance

McInturf-Fulmer Insurance provides all of the homeowners insurance protection you need.

At McInturf-Fulmer Insurance, our unique approach to personal insurance services involves much more than simply selling a cookie-cutter policy. Instead, we take the time to get to know you and understand your situation, which enables us to custom tailor our coverage options to address all of your individual needs. The result is that we provide the best value possible through experienced, professional consultations and precise management of your personal risk.

We can help insure . . .

  • Your Home
  • Additional Buildings and Structures on Your Property
  • Your Valuable Belongings: Furniture, Clothing, Appliances, Etc.
  • Additional Living Expenses
  • Your Personal Legal Liability

We also deliver additional special features for your homeowners insurance policy for added security including . . .

  • Home Replacement Guarantee
  • Replacement Cost on Contents
  • Additional Coverage Form
McInturf-Fulmer-Insurance-Group-Zanesville-Ohio-Homeowner-Insurance
  • Basic
  • Optional
  • FAQ's
  • Glossary
  • Dwelling
  • Other Structures
  • Contents
  • Loss Of Use
  • Deductible
  • Personal Liability
  • Medical Payments
  • Backup Of Sewers And Drains
  • Cyber
  • Eartquake
  • Equipment Breakdown
  • Flood
  • Home Based BusinessOther Members Of The Household
  • Refrigerated Property
  • Scheduled Contents
  • Service Line
  • My child is going off to college, is there coverage for their belongings at school?
  • A tree on my property is leaning towards my house. Will insurance pay to have it removed?

Glossary

Replacement Cost The term replacement cost or replacement value refers to the amount that an entity would have to pay to replace an asset at the present time, according to its current worth. In the insurance industry, "replacement cost" or "replacement cost value" is one of several method of determining the value of an insured item.

Actual Cash Value In the property and casualty insurance industry, Actual Cash Value is a method of valuing insured property, or the value computed by that method. Actual Cash Value is not equal to replacement cost value. ACV is computed by subtracting depreciation from replacement cost.

Functional Replacement Cost The coverage A limit of liability is chosen based on "functional replacement cost," that is, the amount it would cost to repair or replace using materials that are functionally equivalent to obsolete, antique, or custom methods and materials.

Personal Insurance Coverage

Homeowner

For most individuals, a home is the largest single expense they will have in their lifetime. For this reason, it is crucial to protect the sizable financial investment you have made in your home by finding the perfect homeowners insurance plan for your needs. Our experienced professionals at McInturf-Fulmer Insurance are your ideal partner for guidance in choosing the right policy for you.

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Auto

Auto liability is an ever-present danger which requires the proper level of coverage for your specific situation. In addition, many individuals find the vast and ever-changing landscape of auto insurance difficult and confusing to navigate.

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Motorcycle

A motorcycle policy gets you the basics every biker needs, like Bodily Injury and Property Damage Liability, Comprehensive and Collision, Uninsured/Underinsured Motorist, and Medical Payments. Your independent agent can help you figure out the limits and deductibles that fit your budget.

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RV

It's more than a "home away from home". It's the freedom to venture out and explore America. Choose McInturf-Fulmer, and you explore with confidence.

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ATV

Whether working around your property or having fun on the trail, it's important to keep your ATV protected. And while adding your ATV to your homeowners policy might seem like a simple solution, it might also leave you with some gaps in your coverage.

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Boat Insurance

Get the basics that every boater needs—Liability coverage to protect your assets, and Physical Damage coverage to protect your watercraft.

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