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Property Insurance

Strength and Stability for Your Home.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at Phelan Insurance Agency, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

  • Fire and Lightning
  • Collisions from Vehicles or Aircraft
  • Hail
  • Sewer/Drain Backup
  • Windstorm
  • Vandalism
  • Volcanic Eruption
  • Smoke
  • Freezing Conditions or Snow

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from Phelan Insurance Agency who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with Phelan Insurance Agency before making a decision.

Our Locations

Versailles Office

863 E. Main Street
Versailles, OH 45380
Main office: 937-526-3111
Toll free: 800-843-3069

West Chester Office

8763 Union Centre Blvd
West Chester, OH 45069
Main office: 513-762-1678
Toll free: 800-843-3069

Our Providers

Testimonials

Been with Phelans for a couple of years. Great coverage on my car and home insurance, reasonable rates, and you can actually talk to your agent on the phone!
Jane B.
Good insurance, Good people, Nice price
Douglas L.
"I wish all insurance agencies were as nearly responsive as you are. Thank you!"
Leasing Company
Thank you again for all of the hard work and planning you did for our company meetings. I think the personalized folders were wonderful and much appreciated. I can’t thank you enough for all of the hard work you do!
Kelly D.
Literally within 25 minutes I received my document! Now that is service!
Karen P.