Home Insurance in Beverly, OH and Marietta, OH
Home Insurance for Homeowners Across Ohio and West Virginia
For Homeowners in Beverly, OH – Marietta, OH – McConnelsville, OH – Belpre, OH – Barlow, OH – Parkersburg, OH and Beyond
Home insurance is one of the most important considerations when moving or purchasing a new house. Without insurance, any damages to your home would have to come out of your own pocket. Not to mention that many banks will require homeowners to carry enough insurance to cover your mortgage.
Dietz, Futrell & Walters Insurance, Inc. works with homeowners throughout Ohio and West Virginia to find and tailor insurance policies to protect you home. We know that your home should be a safe haven and are dedicated to helping you make it even safer through comprehensive insurance.
How Much Home Insurance Do I Need?
You should typically carry enough home insurance to cover the total replacement cost value of your home. This amount is how much it would cost to completely replace your home after a disaster, including building and material costs.
There are different types of coverage available under home insurance, so it is important to tailor your policy to suit your needs.
A basic home insurance policy covers four main areas:
Personal general liability under home insurance covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in case of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses.
Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including fire, wind, hail, lightning, smoke, explosions, falling objects, theft and vandalism. This does not generally cover things such as fences and outdoor signs.
Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items such as jewelry, furs, art and electronics.
Additional Living Expenses
Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with the cost of food, temporary shelter and more.
Protect Your Home
Common Home Insurance Questions
How Far in Advance Can I Buy Home Insurance?
You should typically purchase insurance by the time you sign on your home. Waiting too long to purchase home insurance can leave you open for accidents and claims being uncovered even before you move into your new place.
How Much Does Home Insurance Cost?
Home insurance premiums vary depending on your location, claims history, coverage limits, credit score and other factors. Request a quote to find out how much you can save on home insurance today.
Do I Need Home Insurance for a Condo?
Home insurance isn’t generally required for a condo. Instead, the physical condo itself should be covered under your landlord’s insurance. You may still need coverage for your personal belongings, however.
How Many Home Insurance Claims Can I File?
There is no set number of home insurance claims you can file. As a rule, the more claims you file, the more you may pay for home insurance. Filing too many claims in a short span of time can raise red flags for your insurer and can even lead to a cancelled policy.