Protect Your Home With Home Insurance
Buying home insurance is the first step any homeowner should take after purchasing a home. Otto Insurance Group can give you an honest assessment of your need and a competitive quote. We're here to help.
Reliable Home Insurance in Ohio
Your home is your most valuable asset and the most expensive purchase you'll make. That's why when disaster strikes, you want to be protected.
What is Home Insurance?
Homeowner insurance covers damage to your home, personal belongings, and other assets in your home. It also offers protection against liability, and some policies may cover living expenses while your home is repaired or rebuilt.
As a homeowner, a home insurance policy is vital. Without homeowners insurance, a devastating flood, fire, or wind storm could spell absolute disaster for your home, family, and finances.
We can discuss all the nuances of homeowners insurance with you and help you make an informed decision. Call Otto Insurance Group and speak with a team member to get a free quote. Or keep reading to learn about why you should buy homeowners insurance.
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Why Do I Need Homeowners Insurance?
There are no laws that require homeowners to have home insurance. However, home insurance enables you the peace of mind that you're covered whenever disaster strikes. Here are a few ways in which a policy provides invaluable coverage:
The primary reason for getting homeowners insurance is to help repair or rebuild your home in the event of exterior or interior damage.
Your home isn't the only thing in need of protection. Your treasured belongings inside are also covered if damaged or destroyed following a disaster.
Your Temporary Home
In the event that a disaster or accident forces you to relocate, homeowners insurance may also cover living expenses for hotels or other temporary lodgings while your home is fixed or rebuilt.
A home insurance policy also covers medical bills and lost wages for guests that suffer from an injury while on your property.
Frequently Asked Questions
No. However, having a home insurance policy will both provide you the peace of mind that your home is safe and offer protection and security in the aftermath of a disaster or accident.
Also, if you choose to finance your home, you'll be required to have a home insurance policy.
Once you sign the contract to buy your home, you'll have a month before closing. This is the best time period to compare different insurance companies and decide on a home insurance policy.
Events such as natural disasters or acts of God are typically excluded from home insurance policies. Acts of war are also considered as falling outside the range of a homeowners insurance policy.
Get a Free Quote Today
Searching for Ohio homeowners insurance? Don't wait for a disaster or an accident to strike. Call Otto Insurance Group today. Get a free quote and start protecting your investment, your loved ones, and yourself.