5038 Cemetery Rd
Hilliard, OH 43026
Home is where the heart is, so protecting it with the right coverage matters. Home insurance helps give you a backup plan if something catastrophic strikes, whether it’s heavy winds, burglary, or fire, so you can be covered with the right policy. Not only will home insurance cover the structure of your home, but it can pay for repairs or replacement for your belongings, pay for injuries or property damage for someone else when it’s your fault, and pay for temporary living expenses if your home is damaged or destroyed.
An agent at Stanley Insurance Group can help determine how much home insurance you should have in the Ohio area. The better the coverage you have, then the less you need to pay out of pocket before any disaster strikes. A home inventory can help you determine how much to purchase to cover your belongings and if you need any riders or additional coverage for valuable items. There could be the option to insure your home with actual cash value or replacement cost. Replacement cost is the amount it takes to rebuild or replace the home with a material of similar kind without factoring in depreciation. Actual cash value is determined after depreciation.
It’s important to consider what is covered and not covered under your policy. Some disasters, such as floods and earthquakes, are not covered. Many types of water damage, even if it isn’t caused by a flood, may not be included either. Be sure to check your home insurance policy every year to make sure that it is still providing adequate coverage. If you do any remodeling or make changes, it could add value to your home, and therefore you may need more coverage. If you are looking to save money, consider a higher deductible, which is the amount you will have to pay out of pocket for any claims.
Contact Stanley Insurance Group, serving the Ohio area, to get a quote on home insurance.
Our primary location is in Hilliard, OH and we serve our clients in all the surrounding cities in Ohio.