Homeowner’s coverage doesn’t have to be difficult to understand. A basic
Homeowners Insurance Policy will cover the following:
The structure of your home
Personal possessions (up to a set limit)
Living expenses in case of a disaster
You can also add supplemental policies such as:
Valuable Articles/Floater policies
(i.e. Jewelry Insurance)
Umbrella policies (additional liability)
If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way - unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
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4624 Cooper Rd
Cincinnati, OH 45242
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8:00 am to 5:00 pm
Evenings and Weekends by Appointment