Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Affordable Homeowners Insurance for South Ohio
There are more than 4.6 million households in Ohio, and more than 66% of property owners reside in the homes they own. Your home is probably one of your most prized possessions and something that didn’t come cheap. That’s why you need to protect it with customized home insurance.
Don’t hesitate to contact the specialist agents at Link Insurance Service for help designing a quality homeowners insurance policy. We offer multiple policy options from top-rated carriers, and we can make sure you qualify for all premium discounts and other savings techniques to maximize your benefits' affordability.
To request your homeowners insurance quote, just give us a call at (937) 695-0611 or get a quote now.
How does homeowners insurance work?
There are numerous hazards that might strike your home, such as fires, severe weather, vandalism or theft. You could also face liability lawsuits as a result of accidents that occur on your property.
In all these situations, you can receive financial assistance from the various benefits provided by your homeowners insurance policy. Though all policies vary, some of the essential coverage that most policies can provide includes:
Contents Coverage: Should a covered peril damage your belongings, then this coverage can pay to help you replace them.
Liability Insurance: If accidents occur on your property and injure someone like a neighbor, then you might be legally responsible for repaying them. This coverage can help you do so.
Accidental Medical Payments: Coverage helps you pay for third-party injury costs regardless of whether the person’s injury was your fault.
Loss of Use Coverage: After household damage, you might have to temporarily move out. This coverage can pay for certain living expenses until you can return home.
Other Structures Coverage: If you have detached structures like carports or gazebos on your property, then this coverage will pay for them.
Standard homeowners, landlords, renters, condo owners and other property policies will include specific policy terms, coverage limits and deductibles that you will need to tailor to your specific benefit. Our agents are happy to help you do so comprehensively and without hassle.
Do you have to have homeowners insurance in Ohio?
There is no law that requires you to buy homeowners insurance. However, if you plan to finance your home with a loan, most mortgage lenders will require you to at least buy dwelling coverage worth the home’s replacement cost value.
Keep in mind, even if you don’t have a homeowners insurance requirement, it is still a great benefit to be able to have extensive coverage throughout your time as a homeowner. The more coverage you have, the better you might be able to weather the hazards that might pop up during your property ownership. Therefore, you can rest easy knowing you are secure in your home.
There are a lot of ways to make your homeowners insurance more affordable and manageable. By bundling it with your auto insurance, for example, you’ll be able to qualify for numerous perks that might make your life easier. These might include:
Easy payment options
24-hour customer service
Your Link Insurance Service agent is happy to help you discuss the best ways to combine your home & auto coverage to offer you the most protection.