Athens Ohio Home Owners Insurance
Home is where heart is, let’s protect it! That’s why Athens Ohio Home Owners Insurance is so crucial.
Home – it’s where you rest easy at night and relax during the day. Your home is one of the most important places in the world and probably your most valuable investment. Whether it’s your home, house, home owners insurance is a must! Let’s not get started on renter’s insurance, we’ll save that for another time. Today we’re focusing on your legally owned property. It can be a condo or a luxury apartment situated in the big city, or it could be your inherited family farm house or a brand new home in a new suburb. Owning a home is awesome but definitely comes with a lot of responsibility. Unfortunately, no matter where you live in Ohio or how huge your house is, mother nature can take a turn for the worse and it’s always better to be safe than sorry.
What Kind of Home Coverage Should I Get?
photo courtesy of erieinsurance.com
When new home shoppers first step into the Ohio real estate market, they soon realize that insurance is an important part of the budget and that it can weigh in on the total costs. Here in Athens Ohio home owners Insurance is easy to navigate when you shop with O’Nail Hartman Insurance Agency. Owning a home, house, home owners should have the basic coverage which means having an HO-3, better known as a standard insurance policy. Of course, policies vary from state to state and are dependent on the regional climate.
Most standard policies for Athens Ohio homeowners insurance covers damage for structures and personal property caused by the following: fire or lightning, hurricanes, tornadoes, windstorms or hail, explosions, aircraft, vehicles, smoke, theft or vandalism, falling objects, weight of ice, snow or sleet, and freezing of plumbing, heating, air conditioning or other household central systems. Let’s not forget personal liability which means that if your property, or you or someone in your household injures someone else. As we mentioned before, policies vary from state to state, county and region. Before purchasing a new home, consider the facts and research past or concurring weather hazards in the area. Damages caused by floods and earthquakes are common in the U.S., but are usually not covered in a standard insurance policy.
Other Types of Home Insurance Coverage
Keep in mind of the consequences of not having adequate homeowners insurance. What would happen if your home was suddenly lost to a fire or a tornado? What if your house was broken into and valuable items were lost or stolen? Chances are, you can’t afford to replace everything all at once. What if zombies attacked your home, would a standard HO-1 or HO-2 policy cover the damages? Okay, maybe we’re getting a little too carried away but rest assured that our agency is filled with a dedicated team of experienced professionals here to help within the Athens and Logan, Ohio areas. Call or email us for a quote and/or appointment today! Athens Ohio home owners insurance has never been easier.
Do I Really Need Home Insurance?
Picture this: Getting married, buying a house, buying a car and having beautiful children to raise and to care for… and the bills start to pile up. So, do you really need home insurance? Newsflash! Of course you need homeowners insurance for your home. Protecting your home doesn’t just mean the material aspect of it, house insurance also covers accidents which occur inside the home to those living in or visiting your home. Homeowners Insurance Athens Ohio offers a wide variety of coverage that can be tailored to your needs. Keep in mind that the kids will be running around the house and climbing up things for years to come… make sure they’re protected, and that can include their friends too!