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Homeowners Insurance Information
Home Insurance in Canton, OH and Surrounding Areas
Protect Your Home and Everything In It.
Insurance for Ohio Homeowners
Ohio is known as a safe state to live with good schools and plenty of business opportunities. It’s a relatively low-risk state, meaning that the state doesn’t face a lot of the natural disasters that its neighbors suffer. Still, accidents and storms can happen, and it’s important to be prepared when they do.
Parson Insurance Agency is an independent insurance agency, meaning we have access to a wide variety of top carriers. Our agents work hard to match you with the right home insurance policy to suit your needs and your budget.
What Does Home Insurance Cover in Ohio?
Home insurance covers four main areas:
Dwelling: Dwelling coverage is responsible for covering the physical structure of the home when damaged by certain perils. Covered perils typically include fire, smoke, hail, wind, lightning, vandalism and more.
Personal Liability: Personal liability insurance steps in if someone is injured or has their property damaged on your property. It can also cover bodily injury and property damage you or your family accidentally cause to someone else.
Personal Possessions: Personal possessions coverage provides compensation for your personal items within the home that are damaged or destroyed by a covered peril.
Additional Living Expenses: Additional living expenses (ALE) helps with the cost of temporarily staying somewhere else while the home is being fixed or rebuilt after a disaster.
There are additional coverages available depending on your needs, such as umbrella liability insurance and unattached structures coverage.
How Much Home Insurance Do You Need in Ohio?
The amount of home insurance you should purchase depends on many factors, including the value of your home and your location. In general, you should purchase enough insurance to cover the total replacement value of your home. The replacement value of a home is what it would cost to replace the entire home if it were destroyed in a disaster. This number is not the same as the price at which you purchased the house. Instead, it can be calculated through adding the value of the square footage to the value of the home’s amenities, fixtures, contents and other structures.
Your location also matters. If you live in an area with a higher rate of crime, storms or floods, you will likely need more insurance.
How Much is Home Insurance in Ohio?
The cost of home insurance varies. The value of your home, location, credit score and coverage limits all have a factor into the price of your home insurance premiums. On average, Ohio homeowners pay around $864 a year (about $71 a month).
Protect Your Home
There is no time like the present to insure your home and protect your livelihood. To connect with an insurance professional and discover how you can save on a home insurance policy, call us at (330) 956-4200 or fill out a form for a free quote today.