Your Home, Your Security.
Your home is more than just a building—it’s where you create memories, build a future, and find comfort. At Scheer’s Insurance Services, we offer tailored home insurance solutions to protect your home, personal belongings, and family from unexpected events.
Whether it’s fire, theft, storms, or liability claims, our policies provide comprehensive protection so you can enjoy your home with peace of mind.
Be Prepared for the Unexpected.
Owning a home comes with risks, but the right home insurance ensures you’re covered when life happens. Our policies protect you from.
- Property Damage – Covers damage from fire, storms, vandalism, and more.
- Theft & Burglary – Protects your valuables and home contents.
- Liability Protection – Shields you from lawsuits if someone gets injured on your property.
- Temporary Living Expenses – Covers hotel & rental costs if your home becomes unlivable.
Flexible Home Insurance Plans for Every Homeowner.
Dwelling Coverage
Protects the structure of your home from covered damages.
Personal Property Coverage
Covers furniture, electronics, clothing, and valuables inside your home.
Liability Protection
Shields you if someone is injured on your property and files a lawsuit.
Additional Living Expenses
Pays for temporary housing and food costs if your home is damaged.
Home Systems Protection
Covers HVAC, electrical, plumbing, and appliances against breakdowns.
Reliable Protection. Personalized Service.
Choosing the right home insurance shouldn’t be confusing. At Scheer’s Insurance Services, we make it simple, affordable, and stress-free.
- Personalized Coverage – Custom plans based on your home and needs.
- Competitive Rates – We work with top-rated providers to get you the best price.
- Fast & Easy Claims – Our dedicated claims team makes the process hassle-free.
- Local & Trusted Advisors – Local & Trusted Advisors.
FAQs
What does homeowners insurance cover?
Homeowners insurance protects against property damage, theft, water damage, fire, and liability. It can help with the repair or rebuilding of your home, replacing belongings, and covering medical bills if someone is injured on your property.
What’s the difference between mortgage insurance and homeowners insurance?
Mortgage insurance protects your lender if you stop making payments, while homeowners insurance protects you and your home from unexpected losses. It's essential to know the difference when selecting the right policy.
Can I file a claim against someone else's homeowners insurance?
Yes. If someone else’s negligence causes damage to your home, you may be able to file a claim against someone else's homeowners insurance. We can walk you through this process with clarity and support.
Does homeowners insurance cover tree root damage to neighbor's property?
Coverage depends on the circumstances and your policy. Generally, gradual tree root damage isn’t covered—but sudden incidents like a tree falling may be. Ask your insurance company for specifics.
What does standard homeowners insurance not cover?
Homeowner’s insurance typically covers all of the following except floods, earthquakes, and routine wear and tear. You may need additional policies for full protection.
What types of coverage options should I consider?
You’ll want to review personal property coverage, personal liability coverage, additional living expenses, and replacement cost coverage to ensure your home and belongings are fully protected.
How much does home insurance cost?
Insurance cost varies by location, home value, and risk factors. We help you compare plans and get the most value from your home insurance quote.
What should I ask when reviewing a policy?
Always ask questions about homeowners insurance, including limits, exclusions, and whether your policy includes damage to your home caused by weather, fire, or liability claims involving others.
What types of homes are eligible for coverage?
Whether it’s a primary residence, rental property, or vacation home, we help match the type of home insurance with the specific risks your property may face.
Why choose Scheer’s Insurance for my home policy?
With decades of experience and a client-first approach, Scheer’s Insurance provides personalized service, quick claims support, and a wide range of policy options—protecting your home and personal belongings from the unexpected.
Protect Your Home, Protect Your Future.
Your home is one of your biggest investments—make sure it's protected. Let Scheer’s Insurance Services provide the coverage and peace of mind you deserve.