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Homeowners Insurance

Homeowners Insurance Get a Quote

The coverage you have depends upon the type of policy you have. Unlike auto insurance, where the policies may be very similar, homeowners policies can be quite different, depending on the "form" number. The most common types of homeowner policies are:
  1. HO1 Basic or Standard policy
  2. HO2 Broad form
  3. HO3 Special (also called Deluxe, All Risk)
  4. HO4 Renters policy
  5. HO5 Enhanced Special Coverage
  6. HO6 Condo policy
  7. HO8 Older Home Policy
   
Homeowner policies are "package" policies. You get a group of coverages packaged into your policy for one overall premium. They include coverage on your building, your contents (furniture, clothing, etc.) and liability insurance in case you are sued, under the same policy. The property coverage is shown under Section 1, while the liability coverage is described under Section 2.
   
   There is no better way to understand your homeowner policy than to read it! We suggest you pull out your policy and find the parts to your policy that correspond to the following explanations:
   

   A typical policy consists of three things:
1. The Declarations Page - that declares who, what and how much you are insuring, along with the date your coverage starts and the premium.
2. The Policy Booklet or Jacket - printed pages that contain the details of coverages and exclusions.
3. Endorsements - separate pages, usually with endorsement numbers, that change (or endorse) specific parts of the policy.
Sometimes you are only given the original policy once in the beginning, then on renewal, to cut down expenses, you are just sent the dec. page (declarations page) with the bill. It's a good idea to save the original policies should you ever need to refer to them.

More Detailed Information:Note:Policies will vary by carrier

In General Terms:
   
   The HO1 policy is very limited in coverage and is not being sold by most companies.
The HO2 policy covers the basic perils of fire, lightning, explosion, smoke, hail, aircraft, riot, glass breakage, theft and damage caused by vehicles. It also adds additional coverage to broaden your policy. Those perils include damage caused by rupture of your water or heating pipes, falling objects (such as trees), collapse of the building, limit electrical damage to appliances and others.

The HO3 policy is, by far, the most commonly sold policy. It covers everything the HO2 policy covers and more. Instead of listing the perils that are covered these policies cover all damage to the building except what is excluded. The usual exclusions are: wear and tear, termites, rotting, collapse of septic tank, flood, war, earthquake and a few others.

Some HO3 policies are referred to as "Deluxe" , "Special" , "All Risk" policies depending upon the company.

Most policies cover your contents or belongings only for the perils named in an HO2 policy. 

   Be careful! Your homeowner policy limits coverage on some items.

To keep the cost of insurance down your policy probably has limits on certain items. Typical limits are:
  • Cash - $200
  • Jewelry - $1,000
  • Firearms - $2,500
  • Silverware - $2,500
Check your policy carefully. If you see you don't have enough coverage, find out how much it would cost to increase those limits or to buy special coverage.

Optional Coverage
In addition to special coverage for jewelry, silverware and furs, you can purchase specific coverage for such possessions as stamp or coin collections, fine arts, camera equipment, collectibles, watercraft and musical instruments, just to name a few.
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Testimonials

  • "I have been a client of Sanor Insurance for some 25 years plus and find their concern and attentiveness to my insurance needs have been above reproach.
    Their staff is friendly, knowledgeable, efficient and attentive.
    Thank you for your years of caring for me."

    Rita Joseph O'Leary, Salem, OH

  • "Sanor Insurance has been our family's insurance agency for over 13 years for home, auto and life insurance. Everyone there has always been very helpful,friendly and prompt with any information I've needed. They were extremely helpful after my auto accident last year. It's nice to deal with hometown people who care!!"

    Tonya Tolley, Lisbon, OH

  • "I've been a customer of Sanor Insurance for many years. I have always had courteous, friendly and quick service. Everyone at Sanor Insurance is great, especially Donna Sanor. She is the 'greatest'."

    Alvahn Mondell, Salem, OH

  • "The staff at Sanor Insurance are always approachable and committed to serve our needs. They are friendly and courteous."

    Karen Bulford, Salem, OH

  • "We have had our home and auto insurance with Sanor Insurance for years. The service is great. The staff is always helpful and courteous. Great job Sanor Insurance."

    Sue Meyers, Leetonia, OH

  • "We have had our insurance with Sanor Insurance for many years. They handle our home, auto and business accounts with courteous, professional service. We call with questions and they provide the answers. All their staff is topnotch! Thanks so much Sanors!"

    Wayne & Doreen Smith, Lisbon, OH

  • "Always great, dependable service with quick response and no unnecessary delay when needed."

    Roy G. Szanny, Salem, OH

  • "I have had auto coverage with Sanor Insurance since 2007. I recently had an accident with my truck on a Sunday. By Thursday of the same week, my claim was settled. Donna and David were extremely helpful with information during this stressful time. The adjuster Sanor Insurance had provided was the best. Great service and caring people."

    Bruce R. Blankenship, Salem, OH

  • "Today's business world is too commercialized. It is our privilege to deal with hometown people that are also our friends and neighbors. We can be assured that when we deal with Sanor Insurance Agency, they have our needs and best interests at heart, and provide a product and service not available by national companies or the internet."

    Frederick and Donna White, Beloit, OH

  • "I am very happy to have such friendly, accessible help. Wish all of my accounts were managed by companies like Sanor."

    Terry Bowlin, Salem, OH.

  • "I have had very good coverage and service with Sanor Insurance since day one. David and Donna do a wonderful job. It is so nice to deal with them. Thank you!!!"

    Shirley Dragomier, Mineral Ridge, OH

  • "My wife and I carry life, home, automobile and catastrophe insurance with Erie Insurance through the Sanor Insurance Agency. We like receiving the multi-policy discount on premiums. We especially like the great service from the Sanors and the quick/fair claims processing from Erie Insurance. Thanks Again!"

    J. Mike Seidner, Lisbon, OH

  • "Been dealing with Sanor for over 30 years. Great People."

    Deborah Freudenberg, New Waterford, OH

  • "The Sanor's offer professional service and hometown friendliness. They take pride in our communities and offer great choices in the companies they do business with. They have my life, home and auto insurance. I will continue to trust them with all my insurance needs."

    Linda Eells, Lisbon, OH

  • "I have dealt with Sanor Insurance for many years. They are very thorough with their process. When you have a claim because of their meticulous applications, you totally know where you stand. Every item that needs to be covered is! My family had a large claim and we were very happy with the results. It was handled quickly and professionally. I give them a 5 Star rating!"

    Marilyn McCullough, Lisbon, OH

  • "I have been with this Insurance Co. for over 30 or more years. They have been fair in their cost of insurance. I've only had 2 or 3 small claims and they were very prompt in taking care of them."

    Dorothy Bennett, Salem OH

  • "We have been clients for more than 20 years. No one could be more courteous, efficient, professional and friendly. Thanks!

    Gene and Nancy Smith, Salem OH

  • "Our family switched to Sanor Insurance a few years ago. We dumped a couple of teenagers and assorted cars, trucks and hobby projects on them. I couldn't hardly keep them straight. Dave and Donna untangled everyone's rides and found us good coverage at the best rate."

    Virgil & Janie Wherry, Lisbon OH

  • "I would just like to say that the people at Sanor Insurance have always been kind, courteous and very good at taking care of all of my needs in regards to insurance."

    Karen A. Flenner, East Palestine, OH

  • " As always, excelllent customer service!"

    Frederick & Susan Mattix, Canfield, OH

  • " I've been with Sanor Insurance forever. The personal, professional service this company provides is priceless."

    Edwin Dolby, Poland, OH

  • "I have been with Sanor Insurance for 26 years. Donna and staff have always given excellent customer service and best rates bar none. Anytime I've had a claim, it was processed fast and correct. I would never go anywhere else for my insurance needs."

    Lloyd Morris, Beloit, OH


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620 Columbia Street Salem, OH 44460 | Phone: 330-337-9557 | Fax: 330-337-3600 | Toll Free: 1-888-728-9114 | Email Us | Get Map

Located in Salem, OH . We also serve the Alliance, Boardman, Canfield, Columbiana and Lisbon areas. - Licensed in Ohio and Pennsylvania

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