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HOMEOWNERS INSURANCE

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

  •  Replacement costs

  •  Personal possessions (up to a set limit)

  •  Living expenses in case of a disaster

  •  Liability

 

You can also add supplemental policies such as:

  •  Valuable Articles/Floater policies

         (i.e. Jewelry Insurance)

  •  Flood policies

  •  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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HOURS & LOCATION
Location

4624 Cooper Rd

Cincinnati, OH  45242

jdseedo@juno.com

 

Tel: 513-791-0881

Fax: 513-791-0883

Hours

Monday - Friday 

8:00 am to 5:00 pm

 

Evenings and Weekends by Appointment