Home Insurance in Ohio
What Is Covered Under Home Insurance?
There are a number of things that are covered under home insurance in Ohio. The dwelling, which is the actual home structure, is covered, including the walls and roof. Other structures on the property, such as a shed or standalone garage, are also included. Personal property is covered, whether it is in the home or not. Personal property includes furniture, stereos, bicycles, and clothing. Liability protection will help protect you against claims if someone sues you for damages after being injured on the property. Coverage also includes the cost of medical expenses for someone who is injured on the property. Note what is not covered under home insurance, which usually includes floods and earthquakes.
What Factors Can Affect Homeowners Insurance?
Homeowners insurance can be affected by many different things in Ohio. Items that affect a policy can include the type of coverage, additional coverage selected, where you live, the type of home and condition of the home, credit, and claim history. An agent at Smucker Insurance Agency, Inc. can help you find the right policy for your home.
Why You Should Insure Your Home
There are a number of reasons to insure your home in Plain City, OH and throughout the state. There may be a bank requirement if you have a loan on your home, and you will be required to insure the house for at least the amount of the purchase. There may be a policy requirement as well. Some insurance policies require you to insure the home for at least 8% of the replacement cost. If you don’t have the right amount of insurance, then you may not get enough for repairs and will have to pay more out of pocket. Insurance also provides financial protection for a number of things, including legal fees for bodily injury or property damage to others, as well as protecting your home in the event that there is damage to it.
Contact Smucker Insurance Agency, Inc. serving Plain City, OH, to get a quote on home insurance, or try our online rating tool.