Home and Renters Insurance
Protect Your Home, Belongings, and Peace of Mind
Whether you own a home, rent an apartment, or live in a condo, Peoples Insurance Agency offers home and renters insurance designed to protect what matters most. Start a home insurance quote today, and gain confidence knowing your home and personal property are protected.
Why Choose Peoples for Home & Renters Insurance?
Local Service. National Strength.
As one of the largest bank-owned insurance agencies in the U.S., Peoples Insurance Agency combines the heart and service of a community bank with access to leading national and regional insurance carriers.
Homeowners Insurance
Homeowners insurance helps cover the cost of repairing or replacing your home and personal belongings after covered events like fire, theft, severe weather, or vandalism.
Dwelling Coverage
Covers the structure of your home, including walls, roof, foundation, and attached areas, from damage caused by covered events.
Personal Property Coverage
Helps repair or replace belongings like furniture, appliances, clothing, and electronics if they are damaged or stolen.
Personal Liability Protection
Provides financial protection if someone is injured on your property or you accidentally damage someone else’s property.
Renters Insurance
Renters insurance protects your personal belongings and provides liability coverage if an accident happens, since your landlord’s policy does not cover your possessions.
Personal Belongings Protection
Covers items like furniture, clothing, electronics, and valuables if they are damaged or stolen due to covered events.
Liability Coverage
Helps protect you financially if a guest is injured in your rental or if you accidentally damage someone else’s property.
Loss of Use Coverage
Helps cover temporary living expenses, such as hotel stays and meals, if your rental becomes unlivable after a covered loss.
Condo Insurance
Condo insurance helps cover your personal belongings and fills the gaps between your association’s master policy and your financial responsibility after a covered loss.
Interior Structure Protection
Covers interior elements of your condo, including walls, flooring, and cabinets, not included in the association’s master policy.
Personal Property Coverage
Helps protect furniture, appliances, electronics, and other belongings inside of your condo from covered losses.
Personal Liability Coverage
Provides coverage if someone is injured inside your unit or if you accidentally cause damage to neighboring units.
Home and Renters Insurance Benefits
Ongoing Policy Support
Receive annual check-ins with an agent, or contact us via phone or email to update your policy as your life changes
Multiple Carrier Options
Our agents help shop for policies across 20+ regional and nationwide carriers to find the best coverage and price
Local Advisors You Know
Real and local agents who understand our Ohio, West Virginia, Kentucky, and Mid-Atlantic footprint
Looking for Affordable Home, Renters, or Condo Insurance?
Complete the form below, and you’ll receive an email to begin the quoting process.
Frequently Asked Questions
How can I get a home insurance quote from Peoples Insurance Agency?
You can request a home insurance quote from Peoples Insurance Agency by filling out the form on this webpage or speaking directly with one of our agents by calling 800.232.3823. An advisor will help compare coverage options and find affordable home insurance that fits your needs.
What does homeowners insurance typically cover?
Homeowners insurance typically covers your home’s structure, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable after a covered loss such as a fire, theft, or certain storms. Flood damage typically requires a separate flood insurance policy.
How does my policy help cover my personal property?
There are two kinds of ways that your policy helps replace your personal items after an event such as theft or damage. These are Replacement Cost Value (RCV) and Actual Cash Value (ACV). RCV pays to replace items at today’s prices, whereas ACV pays at the depreciated value of the item.
By looking at your insurance policy, we can determine which method your policy utilizes and determine which one better fits your personal property protection needs.
How much coverage do I need regarding my insurance policy?
The right amount of coverage depends on factors such as the value of your home or belongings, your location, and your personal risk tolerance. When you work with Peoples Insurance Agency, we help you evaluate these factors and choose coverage limits that make sense for your situation.
As a local insurance provider, we understand the area where you live, which means we also understand the risks that you may need coverage for.
What are policy endorsements?
Policy endorsements are an optional coverage addition to your home insurance policy. Certain things, such as valuables (jewelry, firearms, furs), home business equipment, water backup, and home office coverage, can all be covered by policy endorsements.
At Peoples Insurance Agency, we work with you to figure out if policy endorsements fit your coverage needs.
Do I need flood insurance?
Your home insurance policy typically does not include flood insurance. This insurance helps protect your home from rising water caused by natural disasters that can cause damage to your home. If your home is in a flood zone, you may be required to get a flood insurance policy.
At Peoples Insurance Agency, we help recognize your needs for flood insurance to make sure your home is protected in case of flood damage.
Does insurance cover water/sewer backup?
Standard policies may cover certain instances of water damage, such as burst pipes. But it is important to understand that not all policies cover water and sewer backup. If needed, you can add an endorsement to your coverage that can help protect your home from water/sewer backup.
Alongside your standard home insurance policy, our agents can help you determine if a water/sewer backup endorsement fits your home insurance needs.
Does my home insurance policy cover wind and hail damage?
Wind and hail damage coverage depends on the state you live in. Some states require you to purchase wind and hail coverage separately from your home insurance policy.
While working with our agents, we can help you determine if you are in a high-risk area and if additional wind and hail coverage is needed.
What is dwelling coverage?
Dwelling coverage helps ensure that your dwelling limit reflects today’s rebuild costs, not market value. This includes the structure of your house, such as your roof, walls, and detached structures.
What is Ordinance/Law coverage?
Ordinance and Law coverage is a type of coverage that helps pay for code upgrades after a disaster.
INSURANCE PRODUCTS ARE NOT FDIC INSURED; NOT A DEPOSIT; NOT GUARANTEED BY PEOPLES BANK; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; MAY LOSE VALUE.