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When choosing home insurance in Ohio, there are some questions that you want to ask to make sure you are getting the right policy for your needs. Be sure to go over your questions with an agent at Ken Boldt Insurance Agency II, Inc. in Green, OH.
Does your policy cover the replacement cost or actual cash value?
An actual cash value policy will factor in depreciation. If you have a replacement cost policy, then you may just need to pay an out-of-pocket deductible for repairs. Home repair or replacement may be covered at replacement cost, while belongings are covered at actual cash value. You can also upgrade your policy so that your belongings are covered under replacement cost.
Are you covered no matter the damage?
It’s important to note that flood damage isn’t covered, and other natural disasters may not be either.
What belongings are covered?
Your jewelry or artwork may have dollar limits on them. Ask about any restrictions to see if you need to purchase additional coverage.
What endorsements do you have on your policy?
Endorsements are used to make the policy a little more specific to you. This is where you can add additional coverage for some belongings.
Are you adequately covered if someone is injured in the home?
The maximum amount an insurance company will pay in damages or legal bills if you are sued is covered in the liability section of the policy. An agent can help you determine how much liability coverage makes sense for you.
Are all home policies the same?
There are different types of home insurance policies. The HO3 is the most common since it provides coverage for normal loss activities and can be an excellent place to start.
Contact Ken Boldt Insurance Agency II, Inc. in Green, OH to get a quote on home insurance.
