Best Home Insurance In Ohio
Home insurance, also referred to as homeowners insurance (often abbreviated within the United States realty industry as HOI), is a form of property insurance that covers a personal residence.
Having home insurance in Ohio is not a mandatory requirement. However, it’s important to protect your investment and years of savings. Some of these risks may cost you a fortune, and you may not have the cash on hand to recover from such losses. Plus, if your home is being financed, lenders may require you to have home insurance to protect their investment.
At Insura, we are passionate about providing you with the best coverage for your home. Whether you’re buying a new home or need a policy for your current home, Insura has numerous policies to choose from. Keep reading to learn more about Insura’s Ohio home insurance coverage, unique policy exceptions, and how Insura can help.
What Does Insura’s Ohio Home Insurance Cover?
Home insurance policies offer a variety of personal insurance protections. These protections may embody losses occurring to one’s home, its contents, loss of use, additional living expenses, or loss of different personal possessions of the home-owner. Additionally, home insurance in Ohio can also include liability insurance for accidents that could happen at the property or at the hands of the homeowner inside the policy territory.
Some of Insura’s coverage options for home insurance may include:
- Liability coverage that will take care of any third-party liability claims against you after someone is injured on your property, including property liability and bodily injury liability.
- Loss of use coverage that will cover any additional living expenses you may incur should a covered loss render your home inhabitable.
- Dwelling coverage that protects the physical structure of your home, including the walls, roof, and built-in appliances.
- Personal property coverage that will protect your personal belongings in the house in case they are lost or damaged due to a covered loss, including furniture, jewelry, electronics, and much more.
Ohio Home Insurance Exceptions: Flood and Earthquake Coverage
There are a few exceptions to typical home insurance coverage. They include floods and earthquakes.
To protect your home from flood damage, it is necessary to have an additional flood insurance policy, which is often not included in standard home insurance. If you live in an area that frequently floods, it may be beneficial to purchase additional coverage.
Similar to flood damage coverage, homeowner’s insurance policies do not offer coverage for earthquake damage. So, if you live in an area with a higher risk for earthquakes, then you may benefit from purchasing an earthquake insurance policy for your home.
To determine the best home insurance policy for your home, partner with the expert team at Insura. At Insura Insurance Agency, located in Reynoldsburg, Ohio, we strive to protect homeowners by offering customized home insurance options. We offer a wide range of options that fit the needs of every homeowner. No matter where you live in Ohio, contact us today to secure your financial future.