Homeowners Insurance

If you’re like most homeowners in the Greater Dayton area, your home is your most valuable asset and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

Finding the right home insurance policy in the Greater Dayton area for your unique needs can seem overwhelming. Rest assured, we can help make things a bit simpler by creating a homeowners insurance policy that gets you the proper coverage for your house at the right price.

Important Homeowners Insurance Coverages:

Dwelling — This is the portion of your policy that covers the actual structure (main house).

Other Structures — This covers structures on your property that are not permanently attached to your house like sheds and garages. Usually, this coverage is 10% of whatever your dwelling limit is but can be increased if you need more coverage.

Personal Property — Personal Property covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically, anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use — This covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

Medical Expense —This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability — Personal Liability Coverage applies if someone is injured, or their property is damaged, and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property — There are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc.

A homeowner’s policy can also include many add-on coverages like Water Backup, Equipment Breakdown, and Credit Card Fraud. Contact me today to find out what coverages could best fit you and your family.