When it comes to protecting your home, it’s easy to think of insurance as a straightforward exchange: you pay your premium, and in return, you’re covered for common risks like fire, theft, or storms. But what many homeowners don’t realize is that their policies often come with additional perks and benefits that go beyond the basics. At Oakwood Mutual, our policies are designed not only to offer comprehensive coverage but also to include thoughtful extras that reflect the unique needs of Indiana homeowners.

Understanding these benefits can help you maximize your coverage, save money, and gain peace of mind. With the guidance of Oakwood’s independent agents, you can ensure your policy is tailored to your specific situation and that you’re fully taking advantage of these often-overlooked perks. Let’s explore some of the lesser-known benefits that Oakwood Mutual offers and how they can make a big difference for policyholders.

Coverage for the Unexpected

Insurance is about preparing for the unexpected, but did you know that Oakwood’s policies include benefits for scenarios that many other insurers might not cover?

Example: If a severe storm knocks over a tree on your property, Oakwood provides up to $500 for cleanup of a single fallen tree. This can be a huge relief during storm season when cleanup costs can quickly add up.

Additionally, Oakwood’s flexibility with detached structures is a unique perk. Garages or outbuildings with solid fuel devices are covered, which can be especially valuable for homeowners in rural Indiana who use these buildings for heating or storage.

For those who live in areas prone to earthquakes or mine subsidence, Oakwood offers optional add-ons for these rare but potentially devastating events. While these risks aren’t common in Indiana, they’re not impossible, and having the option to include them in your policy demonstrates Oakwood’s commitment to comprehensive protection.

Personal Property Protection Beyond the Home

Your home insurance doesn’t stop at your front door. Oakwood’s policies extend coverage to personal property stored off-site.

Example: if you’re keeping items in a storage unit, they’re covered up to 10% of your policy’s Coverage C limit or $1,000, whichever is greater. This means you can store belongings with confidence, knowing they’re still protected under your policy.

High-value items like jewelry, collectibles, or antiques are also covered if they’re scheduled on your policy. Scheduling these items ensures they’re properly valued and protected against theft or damage, even when you’re traveling.

If you’re running a business from home, Oakwood policies also provide up to $1,500 in coverage for business property stored on your premises. This small but significant detail can make a big difference for entrepreneurs and remote workers who rely on home-based equipment to keep their operations running smoothly.

Protection Against Rare and Seasonal Events

Indiana homeowners face a wide range of weather-related risks, especially during the winter months. Ice dams and burst pipes, for instance, are common problems during extreme cold. Fortunately, Oakwood policies include coverage for these winter-specific risks, helping you avoid costly repairs.

For even rarer events like earthquakes or lava flows, Oakwood offers optional add-ons. While these may seem unlikely, having coverage for such disasters can provide extra peace of mind, especially for homeowners who want to be prepared for anything.

Oakwood also ensures protection against vandalism and civil unrest. If your property is damaged during riots or unrest, cleanup and restoration costs are covered—provided the damage isn’t caused by someone in your household. This reassurance can make all the difference in the aftermath of unexpected disruptions.

Practical Perks for Everyday Life

Oakwood policies aren’t just about the big emergencies—they also include thoughtful benefits for everyday life.

Example:  if a power outage causes food to spoil in your refrigerator or freezer, Oakwood provides reimbursement. It’s a small but practical way to ensure you’re not left covering unnecessary expenses during an already stressful time.

Another major advantage of choosing Oakwood is the personalized support provided by independent agents. These agents are not only knowledgeable about Oakwood’s policies but also deeply connected to the communities they serve. They help policyholders uncover hidden benefits, like bundling discounts or tailored endorsements, ensuring that every detail of their coverage works for their specific needs.

Looking ahead, Oakwood is also introducing a loyalty discount for policyholders with a claims-free history. This is just one more way Oakwood prioritizes its customers, rewarding those who remain loyal and proactive in maintaining their properties.

Contact Your Agent

Understanding and utilizing these policy perks often starts with a conversation. Oakwood’s independent agents play a critical role in ensuring policyholders get the most from their coverage. Unlike direct or online insurers, independent agents are local experts who understand the unique challenges of Indiana homeowners.

An annual review with your agent is one of the simplest and most effective ways to ensure your policy is optimized. During this review, your agent can help you assess changes in your home, reflect on major purchases, and verify that your policy limits still align with current replacement costs. Whether you’ve added a home office, invested in new technology, or experienced a life event like marriage or the birth of a child, these changes can impact your insurance needs—and your agent is there to guide you every step of the way.

At Oakwood Mutual, our goal is to provide more than just insurance—we aim to deliver peace of mind and real value to our policyholders.

But these perks mean little if they’re not understood or utilized. That’s why contacting your agent regularly is so important. They’re your advocate, your advisor, and your partner in making sure your policy works as hard as it can for you.

If you haven’t already, now is the perfect time to schedule an annual review with your local Oakwood Mutual agent. Together, you can explore your policy perks, discuss any changes in your life or property, and ensure you’re fully protected for whatever the future holds.