Home & Renters Insurance

Homeowners and Renters Insurance in Cincinnati, Ohio

Insurance from your point of view

About Home Insurance

Having homeowners insurance is important to ensure you are financially protected against disasters. Having a standard policy will insure your home and the items you own within it. A package policy will cover property damage and the legal responsibility for injuries or property damage that you (and those who live in your house) might suffer on the property. You will need to take out separate policies for flood and earthquake damage, and maintenance issues are your own responsibility.

About Renters' Insurance

Renters insurance will protect your possessions from losses or damage due to fire and smoke, vandalism, theft, explosions, water damage, and lightning. It does not cover floods or earthquakes, and it doesn't cover general wear and tear, but separate policies can be taken out. Renters insurance will also cover your liability if people are injured at your home by you, family members, or pets, and will also cover your legal defense costs.

Why Do I Need It?

Having these insurance policies is crucial in the event something unexpected happens. Without these insurance policies, the costs (ranging from legal bills to hotel bills or rentals) are often astronomical and simply unaffordable. In many cases (especially if you are still paying for your home), you must have insurance. If you are renting, your landlord's insurance generally will only cover the building but not your own belongings.

Speak to one of our agents to find out more about getting homeowners or renters insurance and determine how much insurance you will need in Batavia, OH. Call us as soon as possible.