Homeowner's Insurance Quote  •  Contact Us

We offer homeowners insurance from many national and regional insurance carriers.  Don't go through the headache of shopping your insurance - let us do that for you!  Your home very well may be the single largest investment you will ever make.  Be sure to protect it properly.  If your home has a fire, water damage, theft, or someone is injured on your property, you need to be covered.  But how much and what kind coverage is right for you?  Although it is best to contact us for a thorough explanation, here are some basics: 

In general, Homeowners Insurance is meant to cover:

1. Your home
2. Other structures such as garages or out buildings
3. The contents of your home
4. Personal liability (Example: someone injured while in your home)

Homeowner's Insurance From McCaleb-Metzler

Many people aren’t sure of the amount of coverage they need, what options are available to them, or even why they need coverage.  That’s why McCaleb-Metzler offers a range of options from which to choose.  We can explain your options available to you in a way that is easy to understand and help you determine the coverages that are right for you.  Here’s a good place to start:

• Determine approximately what it would cost to rebuildyour home.  This is not market value, but replacement value.  If you do not know, ask a qualified contractor for an estimate.  This will help determine the amount of homeowner's insurance you need.  We can give you suggestions, but nothing beats a contractor's estimate.
• Take an inventory of your possessions and estimate what it would cost to replace them.
• If you have any high value items such as jewelry or silverware, we can insured those as well.  An appraisal may be needed.

Many Credits are Available

When buying homeowners insurance, cost is certainly a factor.  In order to keep costs low, many insurance companies offer coverage options and credits.  For example, we can price different deductible options, including wind/hail deductibles, to help keep your homeowners insurance costs down. 

Here are a few of the most popular credits available to you:

• Auto insurance with McCaleb-Metzler
• Smoke Alarms, burglar and filre alarms, or sprinkler systems
• Deadbolt locks
• Good claims history
• Good payment history
• Are a senior
• Many more discounts available.

Why Should You Insure Your Home With McCaleb-Metzler?

As your agent, we strive to know you so that we can suggest the coverage that suits your specific home and needs.  We look for coverage gaps to help provide full protection.  With McCaleb-Metzler, you get the benefit of:

• Individual Agent - We assign a specific insurance agent to each one of our clients.  When you call us, you can ask for that person by name.  In addition, each agent has a backup in case they are out for any reason.  Although anyone in the office can help, it is nice to have a personal touch from someone who is familiar with your account.
• Local support – No one wants to talk to 800 number or email when they have need of service - doubly so if you have a claim!
• Fast, courteous service – We try hard to serve our customers with dignity and well.  If you call our main number, you can even get our mobile phone numbers for emergency claims service.
• Billing flexibility – Want to pay for your insurance directly?  Monthly?  Through escrow?  We can help find a billing option that suits you.
• Competitive prices
• Quality insurance products – We represent "A" rated insurance carriers.  Our homeowners insurance products are designed to meet a variety of needs.  We will tailor insurance coverages to you.