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Home Insurance in Ohio : Real Estate Advice

  • All354
  • Local Info13
  • Home Buying206
  • Home Selling39
  • Market Conditions1

Activity 16
Sat Feb 20, 2016
Sally Grenier answered:
Home insurance is about as easy as getting insurance for your car. Why not just call your insurance company and ask if they could give you a quote?? Or if you don't have any insurance....try the internets. You can "google" just about anything you want. ... more
1 vote 2 answers Share Flag
Wed Aug 6, 2014
Tim Johnson answered:
I've been wondering the same thing ever since I moved into my home. I have no idea what sort of home insurance my parents had growing up, so I'm not really familiar with it at all. I know that I definitely want to be protected against anything that might happen. It would be much better having peace of mind in this new home. ... more
0 votes 4 answers Share Flag
Thu Nov 14, 2013
M R 330.338.5130 answered:
The best person to ask this question would be an insurance agent. There are minimum coverage requirements that your mortgage lender will request, but you can also add additional coverage such as sewer back-up and even home appliance insurance. I would recommend calling an insurance broker as they can typically shop a number or large insurance companies for the best prices, rates, coverages etc. ... more
0 votes 4 answers Share Flag
Tue Jan 22, 2013
Lauren Swieterman answered:
ummm, What is your question?
If you are new to Trulia and you just want some help with real estate questions just shoot me a email,

I can help you that way so you dont have to take Trulias sometimes confusing directions, Its understandably confusing at times for people that dont access it on a daily basis:)

But in getting answers to things/properties/area details etc, whatever you need for a Westerville reference, email is easy.

Hope this helps! Hope to hear from you soon

Have a good night,
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0 votes 1 answer Share Flag
Mon Jun 11, 2012
Jacqueline Moyer answered:
Dear Home Buyer in Akron, OH-
I cannot answer that with accuracy but my co-worker, Angie Spicer financial manager at Howard Hanna can. She would be more than happy to explain that to you and give you some numbers. She is easy to talk to and will help any way she can. Please call her at 216-973-8962.
I would be more than happy to help you find some homes in the Akron area as I am a full time realtor. Call/text 330.322.8289. :)
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0 votes 3 answers Share Flag
Mon Apr 30, 2012
Lynda Long answered:
It really depends on size/value of home and if you have riders on jewelry, art, electronics, etc. Best to contact an insurance agent. Many good ones in Westerville ( Meghan Brooks with Liberty Insurance, Larry Buttermore with State Farm, etc. etc.). Also bundle your car and homeowners for savings. Insurance has gone up...we are all paying for natural disasters around the nation. ... more
0 votes 1 answer Share Flag
Mon Mar 5, 2012
Tarheit answered:
You don't say what price home you are buying so it may be completely in line (particularly because several of them have quoted you nearly the same price). One thing to consider is that homeowners insurance typically is based on the reconstruction or replacment value of the home which is typically higher than your purchase price. The insurance also coveres your stuff on the property and usually some general liability.

Ask the agents why the quote is higher than you expected and if there are any options that can lower the premium. Higher deductibles and being a non-smoker can lower the deductible.

There are unfortunately some things that can drive the price up on a particular home or area you can do nothing about. Crime rates, proximity to the fire department, type and rating of the fire department, frequency of storm damage in the area, etc.

In addition the insurance industry keeps a history of the home (it's called the CLUE database/CLUE report). This information will be used to calculate the risk of insuring this particular home. Claims in the homes past will cause the insurance to go up even for other owners in the future. The home you are buying may have a bad history insurance wise.

Ask your agent why and keep shopping around. Check into things that could lower the payments such as a higher deductible or paying the premium every 6 months instead of monthly. Ask others in the neighborhood what the general premium is in the neighborhood and who they got there insurance from. There are a lot of sites that will give you multiple quotes online as well.
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0 votes 1 answer Share Flag
Sat Nov 6, 2010
Kelly Gibbs answered:
Choosing a policy can be very confusing with so many choices out there. Most importantly you want to find the policy best suited for your needs and property in order to provide maximum protection. The primary part of the policy covers the structure. The appraised value is not as much as the rebuild cost (incase of disaster). The policy should also cover other structures on the property such as garage, shed, pool, etc. Along with structural property, personal property should also be included. It is very important the limit listed is enough to cover all your personal property within the structure. Make sure the provider explains in detail how the company pays on claims. Also, there are other questions you will want to ask at this time:

1. Are there any discounts? (if you bundle home insurance, car insurance, etc)
2. How much coverage is needed?
3. Is disaster coverage needed? (VERY IMPORTANT to ask)
4. What is covered under the policy?
5. Is loss-of-use coverage included?
6. Does the policy offer replacement value or cash value for belongings?
7. What type of liability coverage is included?
8. How much extra for an umbrella policy?
9. How does the claims process work?

Be sure to shop around, you get what you pay for and you can never be too careful when it comes to purchasing insurance for you home. Compare policies and their costs among several companies. These may seem like a lot of questions but any reputable company should be prepared to answer, these are crucial questions to ask in order to insure you receive the correct policy.
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Tue Jul 20, 2010
James Gordon ABR SFR SRS answered:
My insurance guy says" Yes it will! your claim history follows you for about 3 years and if may cost you. Insurance companies do not like people that turn in claims. He is not aware of any compies in Ohio that will turn you down for 2 claims in a year but there are companies that will turn you down for 3 in 2 years. With two claims in one year you will see a higher rate with most of the companies in Ohio. With my insurance guy all the companies he reps charge a surcharge on 2 claims in a 1 year period history that lasts for 3 year period. ... more
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Thu Apr 22, 2010
Hilary Backlund & Jay Lotoski answered:
All policies can be structured differently. You need to read a copy of the policy over, and contact an expert to help you out!
0 votes 2 answers Share Flag
Thu Mar 11, 2010
Dan Chase answered:
Why not talk to a local insurance company who deals with this kind of prop[erty? They could likely give you the right answers.

p.s. check with 3 to be safe.
0 votes 3 answers Share Flag
Mon Feb 1, 2010
Don Tepper answered:
Depends on whether it's above or below ground level.

There's a community near me that has a lot of homes built like that. You enter, and you've got a family room, maybe a bedroom or two, a bathroom, and storage. You see stairs leading up, and that's where the kitchen, most of the bedrooms, living room, etc., are. In those cases, no, the main entry level is not considered a basement. It's just considered a 2-story house, with the kitchen, living room, etc., on the upper level.

Now, maybe customs vary in other parts of the country, so I can't speak for Ohio. But where I am, no, it wouldn't be considered a basement.
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0 votes 1 answer Share Flag
Thu Jun 4, 2009
Lee Ginsburg answered:
I have found farmers Insurance in northern ca. area them best.
0 votes 7 answers Share Flag
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