Home Insurance in Columbus OH, Cleveland OH, and Cincinnati OH
Your home is where you and your family should feel the safest. To protect what matters most, it is important to have a reliable home insurance that has the amount of coverage you need for the price you want.
ProtectALL Insurance is dedicated to helping you protect your home. Our insurance professionals and carrier contacts allow us to find and tailor policies specifically for your home insurance needs.
What Does Homeowners Insurance Cover?
A basic home insurance policy through ProtectALL Insurance may include:
Dwelling Coverage: Dwelling coverage provides compensation for damages to your home caused by fire, wind, hail, lightning, smoke, explosions, falling objects, theft, vandalism and more.
Personal Belongings Coverage: Personal belongings coverage provides compensation for damages to your home caused by fire, theft, vandalism and more. You may need additional coverage for expensive items such as jewelry, art and furs.
Personal Liability: Personal liability insurance covers bodily injury and property damage that someone else may suffer on your property. This insurance may also extend to cover damage and injuries caused by pets.
Additional Living Expenses: Additional living expenses cover costs related to temporarily moving if the home is rendered uninhabitable by a disaster.
How Much Homeowners Insurance Do I Need?
In your search for homeowners insurance, you may have come across the 80% rule. The 80% rule of homeowners insurance dictates that you should carry at least 80% of your home’s total replacement cost value in homeowners insurance. This is because having less insurance can leave you with gaps in your coverage.
The amount of homeowners insurance you need may be different than your neighbor’s, however. This is because homeowners insurance coverage should be based on your home’s total replacement cost value, which is how much it would cost to completely rebuilt the home after an accident, including material and building costs.
Speak with a ProtectALL Insurance agent to discuss the coverage your home needs.
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Common Home Insurance Questions
How Does Homeowners Insurance Work?
Home insurance is generally paid through monthly or yearly premiums. In return, your home will be covered. If you need to file a claim, an underwriter from the insurer will investigate the incident and calculate how much compensation you will receive based on your policy.
How Far in Advance Can I Buy Home Insurance?
You can and should purchase home insurance by the time you sign the dotted line. You will want to be covered before moving in so that any accident will be covered.
How Often Should I Change Home Insurance?
It is recommended that you do not change home insurers frequently. You may review your policy any time, but switching too often can actually drive up your rates.
How Much Does Home Insurance Cost Per Month?
The average cost of home insurance varies depending on several factors, including your location, value of your home, coverage limits, deductible and more. Fill out an online quote form to find out how much you can save on home insurance.