Homeowners Insurance

Owning a home is a significant responsibility that can come with significant risks. Home insurance coverage such as homeowners insurance can provide you with peace of mind in the event of an accident.  

There are four main areas of coverage for your home: structure, personal belongings, liability and additional living expenses. Our agents at Arbutina Insurance Group are here to help you get the coverage you need.  

What Is Home Insurance? 
Home insurance protects against financial losses associated with accidents, disasters and theft. There are four main areas of coverage for your home:  

• Structure—Helps pay to repair or rebuild your home in the event of a disaster that destroys or damages the structure of your home and may include coverage for detached structures, such as a garage or shed. Damage caused by floods, earthquakes and wear and tear may not be covered. 

• Personal belongings—Helps cover personal belongings such as furniture, clothing and various items in your home if they’re destroyed or damaged by a disaster. To determine how much coverage you need for your personal belongings, you should conduct a home inventory. 

• Liability—Helps cover lawsuits on bodily injury or property damage caused by you or your family members. 

• Additional living expenses (ALE)—Helps cover living costs away from your home if you’re unable to live there due to damages associated with a disaster. 

What your policy covers may vary, so discuss your needs with an agent to be sure you’re getting the coverage your home needs most.  

Is Home Insurance Required?  
Homeowners insurance is typically not required by state or federal law. However, most banks or lenders require you to obtain coverage as part of your mortgage agreement. Homeowners insurance can protect you from significant financial losses. Coverage can help save you money in the long run if a disaster occurs. For more guidance on insurance requirements for your home, reach out to an agent.  

What Is the Average Cost of Home Insurance in Ohio?  
The cost of your homeowners insurance policy will vary from others. Factors such as the age and value of your home, limits chosen, past claims history, credit score and coverages selected will affect your rates. Contact an agent to calculate your monthly premium  

Get Started with Home Insurance Today 
At Arbutina Insurance Group, we work to insure your needs, including those of your home. Our personalized attention to every customer is sure to have you covered. Reach out to an agent to get started with home insurance today.