Homeowners Insurance Near MeCoverage for Olmsted Falls, Olmsted Township and the State of Ohio
Why do I need Homeowners Insurance?
Homeowners insurance protects your home against weather damage, fire, theft, lawsuits and other covered losses.
Most people can’t afford to rebuild their home and replace everything in it if there’s a disaster. A home insurance policy protects you, your property, your family and (most of) your personal possessions.
If you own a home and have a mortgage, your lienholder (the bank who owns your loan) will likely require you to carry homeowners insurance. This cost for insurance payments is added to your monthly mortgage bill and called escrow.
Regardless of the type of home you own, personal property insurance is your responsibility. If you live in a condominium or condo association, please remember that your association or cooperative won’t pay for damage inside your unit, even if it results from an incident outside of your control, such as an electrical fire, burst pipe, etc.
Homeowners Insurance coverage and discounts
When it comes to homeowner’s insurance, you have a lot of options.
Dwelling Coverage – Make sure you have enough insurance to cover your home. This insurance coverage protects your home’s structure, appliances and flooring.
Liability Insurance – Insurance coverage for accident(s) occurring in your home that damages something or hurts someone.
Other Structures – Insurance coverage for structures or buildings not attached to your house, such as a barn, shed, detached garage, gazebo or fence.
Water/Sewer Back Up – It doesn’t matter if you don’t have a basement, live on the top of a hill or you’ve never had a water backup issue before – any homeowner can experience this type of loss. Standard policies don’t cover this type of damage, and if they do, the coverage is minimal. Water that backs up from a sewer or drain can damage appliances, furniture and personal belongings.
Jewelry Coverage – Homeowners insurance alone may not sufficiently cover your jewelry or other valuable items based on the type of item and cause of loss and may have limitations and requirements that you may be unaware of.
Flood Insurance – Protect your home from severe water damage like coastal storms, heavy rain and melting snow – most homeowners insurance policies don’t cover flood damage! Flood insurance provides coverage for the home structure and personal property.
Need help finding Homeowners Insurance coverage?
We can help you determine the right amount of homeowners insurance coverage to meet your specific needs. Wagner Insurance Group protects individuals and families in Northeast Ohio and the entire State of Ohio.
If you’re looking for a better insurance experience, contact us today!
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