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(216) 691-9227

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2565 Noble Rd.

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HOMEOWNERS

Your Property is one of your biggest investments, so it makes sense to protect your Property with the best Property insurance in Cleveland, Ohio, call to get quote.

Protect your house and personal property with the right home insurance coverage from. You have worked hard for what you have. Ensure you have the insurance policy that meets your life and needs.

 

Homeowners Insurance coverage options include

  • Fire and lightning
  • Windstorm and hail
  • Weight of ice or snow
  • Smoke damage
  • Falling objects
  • Freezing damage
  • Theft
  • Vandalism
  • Accidental overflow from plumbing
  • Accidental electrical damage to appliances
  • Damage by vehicles

 

Why You Need to Know Your Coverage?

Homeowners insurance, compensates you for losses to your home and your possessions inside it, so purchasing a homeowners insurance policy provides added security for your investment. Home owners insurance also protects you if you're legally liable for someone's injuries on your property.

Your homeowners insurance policy will likely have two two parts to it:

Part I: Property Insurance Protection

The Property Insurance Protection section is usually broken down into four (4) parts:

 

A.  Homeowners Insurance Dwelling 

This section covers your house structure, fixtures within the house such as built-in appliances, plumbing, heating and air conditioning, attached structures, and electrical wiring.

 

B.  Other Structures Homeowners Insurance

This section covers any detached structures such as storage sheds, garages, and any fixtures attached to the land to include fencing, sidewalks, driveways, patios, and retaining walls. If a detached structure is used for business purposes, it will not be covered under a personal homeowners insurance policy.

 

C. Personal Property Insurance

This section covers personal property including the contents of your home and other personal items owned by those living within your home. This protection may involve replacement cost or actual cash value. You can add extra coverage for these items by adding an endorsement to your homeowners insurance policy.

 

D. Loss of Use

This section covers living expenses resulting from the fact you cannot live in your home.

Part II: Liability Protection, Homeowners Insurance

The Liability Protection section can be broken into two (2) parts:

 

A. Homeowners Insurance Personal Liability

This section protects against a claim or lawsuit that result in bodily injury or property damage to others caused by an accident on your property or by your personal activities anywhere. However, this coverage does not protect auto and business related incidents, but does protect you and all family members who live in the home.

 

B. Homeowners Insurance Medical Payments

This section covers persons accidentally injured on your property by paying for medical expenses of persons, regardless of fault. However, they do not cover your injuries or any injuries of family members living in the home, or activities that involve your home business.

 

For a thorough review of your Homeowners Insurance policy and a personal quote, contact Washington and Co Insurance Agency, Cleveland, Ohio,216-691-9227      .