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Ohio Homeowner Insurance

How Does Homeonwer Insurance Protect Me?

Fire, theft, accidents. . . these are the kinds of threats that might cause you to lose sleep, if you didn’t have the protection of homeowners insurance coverage. Fortunately, a homeowners policy will cover damage to your home and personal property due to a variety of causes. The personal liability portion of a homeowners policy provides coverage, for example if your litigious brother-in-law slips down your steps on a rainy day and injures himself.

Ruese Insurance Group Ohio Homeowners Insurance
Each home insurance policy offers different protection, but standard policies usually provide:

  • Broad coverage for damage to your house
    and any permanent structures on your property (unless the cause of the damage is specifically excluded in your policy.)
  • Damage to your personal property due to causes specified in your policy.

  • Limited coverage—usually $500 - $2,000
    —for jewelry stolen from your home.

  • Coverage for personal liability exposures that arise from being a homeowner.
Coverage for additional costs you might incur because of a covered loss (for example, if you need to temporarily live elsewhere if a fire makes your home uninhabitable).


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