Homeowners Insurance Coverage
Protecting Your Home, Property, and Family in Ohio.
Why Homeowners Insurance is Essential.
Most people can’t afford to rebuild their home and replace everything in it if there’s a disaster. Homeowners insurance protects your home against weather damage, fire, theft, lawsuits, and other covered losses. It is often required by your mortgage lienholder (bank), who adds the cost to your monthly escrow bill.
Key Policy Coverages
Specialized Protection and Discounts
Valuables and Flood
Jewelry Coverage – Homeowners insurance alone may not sufficiently cover your jewelry or other valuable items. Flood Insurance – Most policies don’t cover severe water damage from coastal storms or heavy rain. Flood insurance provides coverage for the home structure and personal property.
Protecting Your Home & Property
Your home is likely your biggest investment. We help you understand exactly what is covered—from storm damage to personal liability—so you can rest easy knowing you are protected.
No. Standard homeowners insurance typically excludes flood damage caused by rising external water. You usually need a separate Flood Insurance policy, which we can help you secure.
This coverage ensures that if your home is destroyed, the insurance company will pay the full cost to rebuild it with similar materials, even if that cost exceeds your policy limit.
Standard policies have limited coverage for theft of valuable items like jewelry or furs. We recommend “scheduling” these items (adding a specific rider) to ensure they are covered for their full appraised value.
Your Personal Liability coverage helps pay for legal fees and damages if you are sued. We also offer Medical Payments coverage to pay for minor medical bills for guests injured on your property, regardless of fault.
Protect your dwelling, personal belongings, and liability with a specialized policy that includes critical coverage options like Water/Sewer Backup and Flood insurance.
