Homeowners Insurance


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Homeowners Insurance Information

Ohio Homeowners Insurance - Know the Facts

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy a separate policy for flood, but earthquake coverage can usually be added to your policy for an additional premium. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

Why Compass?
Our clients are not just a number in a phone queue; we understand the importance that your home holds in your life.  We're familiar with the various fire departments in the area, the types of equipment they have and the levels of service they can provide.  Because of this, we can often find you a better rate on a rural home than what you might otherwise find in the marketplace.  We do our own front-line underwriting so that our insurance carriers can operate profitably and continue to provide the most competitive rates to our clients.  We won't insure a home that we haven't personally visited to make sure you're getting the right coverages and that you're not in danger of an imminent loss that you may not be aware of.  If you ever have a problem with a homeowner claim, a bill or just need some advice, you will know the people that service your account on a first name basis.  You can call, email or text us, or even come in and sit across the desk from us and have a face-to-face conversation.  We are dedicated people who have many years of experience helping people just like you.  Unlike the constant turnover that occurs in huge call centers, we'll be around when you need us.  What's more, we're not a one-size-fits-all solution.  We represent you, the client, to dozens of home insurers, not the other way around.  In doing so, we will always be able to find you the right coverage at a competitive price - both now and in the future.  And as a valued client of our agency, we offer a complimentary video service that allows you to record all of your personal property and store it in our files.  In the event of a fire or natural disaster, you can retrieve the video to help you work with your claims adjuster to complete an inventory of personal property that may have been destroyed beyond recognition.

Give us a call at (419)207-1111!

See why we're the preferred choice of so many REALTORS® and mortgage lenders for homeowner insurance in Apple Creek, Ashland, Bellville, Burbank, Butler, Congress, Crestline, Creston, Dalton, Doylestown, Fitchville, Glenmont, Greenwich, Hayesville, Homerville, Jeromesville, Lakeville, Lexington, Lodi, Loudonville, Lucas, Mansfield, Marshallville, Millersburg, Nankin, New London, Nova, Olivesburg, Orrville, Perrysville, Plymouth, Polk, Rittman, Savannah, Shelby, Shreve, Smithville, Spencer, Sullivan, Wellington, West Salem, Wooster and all of Ohio.

 

Looking for other lines of insurance as well?
Package your homeowner insurance with an automotor club, flood, umbrella, motorcycle, motorhome, boat, business or life insurance policy.

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