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    Homeowners Insurance

    Designed for you

    Personalized insurance is made simple with your local agent just a phone call away.

    Effler/Schmitt Company offers residential property and casualty insurance. Our in-house licensed insurance agent, Kelly (Effler) Longthorne, is ready to review your insurance needs and provide you with a complimentary quote. We offer EncompassOne, National General (both subsidiaries of Allstate Insurance), as well as Allstate Insurance, that cover home, personal property, and auto insurance. Contact Kelly today at kelly(at)effler(dotted)com or (419)-806-5161.

    EncompassOne—insurance designed for you.

    Whether you’re pursuing your passion, supporting your family or planning for what’s next, life can be busy. You deserve insurance that makes protecting what you love simple.

    With the EncompassOne Insurance Package Policy, you get protection for the things you value, all under a comprehensive plan. Each of our three signature policies offer coverage for your home, car and important possessions.

    Why EncompassOne?

    • Easy insurance
      One premium. One deductible2. One agent. When it comes to insurance, EncompassOne is as simple as it gets.
    • Personalized protection
      With varying limits and features, EncompassOne gives you freedom to build the policy that fits your life.
    • Comprehensive coverage
      EncompassOne’s robust package helps fill risky coverage gaps that other policies may not.

    Personalized insurance made simple.

    Only you can know the coverage that’s right for you. EncompassOne offers three tiers of protection—each designed to fit your unique needs.



    Property Location Limit3
    Additional living expenses reimbursed if home unlivable
    Accident Forgiveness
    Water backup damage coverage
    Homeowners Association extension
    Jewelry & fur coverage


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    of home replacement value
    No specific time or dollar limit


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    of home replacement value

    Get extra protection with EncompassOne.

    Our property location limit helps protect your home, contents and other structures up to 200% of your home’s value.3 With some other companies, claims cannot exceed the amount set by each piece of coverage, which could leave you with risky out of pocket expenses.


    Allstate Insurance

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