Call 513-662-7000 and speak with one of our insurance professionals. 

Our Cincinnati independent insurance agency can help you find competitive rates through a number of top rated insurance carriers.

Rates On Homeowners Insurance in Cincinnati Are Increasing.

If you own a home you likely noticed that your homeowners insurance in Cincinnati has gone up.  In fact some Cincinnati insurance policyholders have received as much as a 40% increase in premiums. 

Why are rates going up?  There are a few different reasons why homeowner’s insurance rates in Cincinnati are increasing.

Hurricane Ike-Despite the fact the infamous hurricane occurred in 1998 the after effects of over a billion dollars paid for that one claim in the state of Ohio is still affecting insurance premiums years later.

Storm related activity is at an all-time high – Insurance companies have been pummeled with property losses over the last 10years and because of unexpected property losses, insurance companies pass those costs on to their policyholders.

Don’t Skimp on Your Cincinnati Homeowners Insurance Coverage, Because You May Regret It Later.

If you get a big rate increase on your homeowners insurance in Cincinnati don’t make the mistake of skimping or reducing your insurance coverage. 

That could be a huge mistake at claim time. 

A person called our office to obtain quotes on homeowners insurance as they received a fairly substantial rate increase on their Cincinnati homeowners insurance policy.  

After completing an analysis of their coverage, we discovered that they were underinsured by more than $90,000.  We could save them money if we insured their home for the exact amount of coverage that they had with their Insurance Company. 

However because they were vastly under insured we could not save them as much money as they hoped based on our initial estimates.

If you shortchange your homeowners insurance coverage you could regret it later.

Not All Homeowner Insurance Companies in Cincinnati are Raising Rates.

If you receive a substantial rate increase on your homeowners insurance, give us a call at 513-662-7000.  Not all insurance companies have taken such drastic measures.  Recently we were able to save one new policyholder with our independent agency more than $800 on his homeowner’s insurance policy! (Better coverage too)

Looking for homeowners insurance in Cincinnati Oh?

If so call the home insurance experts at 513-662-7000 or for an instant rate quote click: Homeowners Insurance Cincinnati Oh.

You Need to Be Aware of Certain Pitfalls When You Purchase Homeowners Insurance.

The most commonly sold policy by insurance agents is the HO3 policy. It’s likely that the policy you have purchased is the HO3.

There Are Significant Drawbacks to the insurance Policy Form HO3, What Are They?

The HO3 homeowner’s policy only protects your personal contents or personal property on a named perils basis.  Basically what that means is that if your personal contents are damaged or destroyed by some type of event or occurrence.  Whatever caused the damage or destruction must be named in the policy to be covered.

Hence named perils coverage.  Click here to review what is typically covered by a named perils policy.

One Example of a Personal Property Claim Not Covered by the HO3 Homeowner’s Insurance Policy.

 Misplaced Jewelry

Claim Scenario–You own several valuable pieces of jewelry including your wedding ring that your husband gave to you with a value of approximately $1000.  The first thing that you do after you step out of the shower is to put on your wedding ring before you go shopping. As you open your jewelry box to retrieve your wedding ring you can’t find it.   In a bit of a panic you look in the kitchen, then the spare bathroom you cleaned yesterday.  You call your husband at work and he tells you he hasn’t seen your ring laying around he then suggests it may have fallen down the pipes, so you call Henry a neighbor who is a retired plumber to see if he could disconnect the pipes. Henry comes over disconnects the pipes but can’t seem to find your ring. Your husband suggest that you turn a claim into your homeowners insurance company and two days later an insurance claims adjuster calls you to let you know that your policy does not cover mysterious disappearances as it is not a named peril on your homeowners insurance policy.

There are literally hundreds of different claims scenarios that a homeowner could find themselves in which a claim denial would result when you own the HO3 Cincinnati Homeowners Insurance Policy. 

A ground-breaking new book written by Jack Thomas, a local Cincinnati insurance expert, exposes the real truth about insurance that many consumers are completely unaware of… i.e. What you don’t know about your insurance could ruin you financially. (Publication date is pending)

Choose Your Cincinnati Insurance Agent Wisely

When looking for Homeowners insurance Cincinnati Oh, you need to keep in mind that is not as easy as comparing the price that you pay for the insurance.  Call 513-662-7000 to discuss your insurance needs with our insurance experts, or click here to receive online home insurance quotes in all 50 states.

For coverage to apply to your personal contents or personal property coverage the loss must be named in your insurance policy. 

Please review the 16 typical perils that are insured against.

If you are looking for a superior homeowner’s insurance policy in Cincinnati please call 513-662-7000 to speak with one of our Cincinnati insurance experts.

Or request your online homeowners insurance quotes by clicking here.

What Is Covered by the Named Perils Homeowners Insurance Policy?

We cover direct physical loss to property insured under Coverage C – Personal Property caused by:

1. Fire or Lightning 

2. Windstorm or Hail

 This does not include loss:

• Caused directly or indirectly by frost, cold weather, ice other than hail, snow or sleet whether driven by wind or not; b. to property in a building caused by rain, snow, sand, sleet or dust unless the building is first damaged by the direct force of wind or hail, creating an opening through which the rain, snow, sand, sleet or dust enters; or c. to watercraft and their trailers, furnishings, equipment and motors unless inside a fully enclosed building.

3. Explosion

4. Riot or Civil Commotion

5. Aircraft, including self-propelled missiles and spacecraft.

6. Vehicles, meaning impact by a vehicle.

7. Smoke, if the loss is sudden and accidental. This peril does not apply to loss caused by smoke from agricultural smudging or industrial operations.

8. Vandalism or Malicious Mischief

9. Theft or attempted theft, including loss of property from a known place if it is likely that a theft has occurred.

• This peril does not apply to theft: (1) committed by an insured person or by any other person residing on the insured premises. (2) in or from a dwelling under construction or of construction material and supplies until completed and occupied. (3) from that part of a residence premises rented by an insured person to other than an insured person. b. This peril does not apply away from the residence premises to theft of: (1) property while in any other dwelling or its premises owned, rented or occupied by an insured person except while an insured person is temporarily residing there. Property of an insured person who is a student is covered at a residence away from home if the student has been there any time during the 45 days immediately before the loss. (2) watercraft, including its furnishing, equipment and outboard motors. (3) trailers and campers.

10. Falling Objects 

• This peril does not apply to loss to property within a building unless the falling object first damages the exterior of the building. We do not cover damage to the falling object.

11. Weight of ice, snow or sleet which damages property in the building.

12. Sudden and accidental tearing apart, cracking, burning, bursting or bulging of a steam or water heating system, air conditioning system or automatic fire protection sprinkler system or a water heater.

• This peril does not apply to loss to the system, or water heater, or loss which is caused by or results from freezing.

13. Sudden and accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire protection sprinkler system, waterbed, water heater, aquarium or household appliance. 

• This peril does not apply to loss: a. to the system, waterbed, water heater, aquarium, or household appliance from which the water or steam escapes; b. due to continuous or repeated seepage or leakage of water, steam or moisture which occurs over a period of weeks, months or years and results in deterioration, corrosion, rust, or fungi; c. caused by or resulting from freezing; or d. on the residence premises caused by accidental discharge or overflow which occurs off the residence premises. In this peril, a plumbing system does not include a sump, sump pump or related equipment.

 14. Freezing of a plumbing, heating, air conditioning or automatic fire protection sprinkler system, waterbed, water heater, aquarium, or household appliance. 

• This peril does not include loss on the residence premises while the dwelling is vacant, unoccupied or being constructed, unless you have used reasonable care to: a. maintain heat in the building; or b. shut off the water supply and drain the systems, waterbed, water heater, aquarium and household appliances of water. In this peril, a plumbing system does not include a sump, sump pump or related equipment.

15. Sinkhole Collapse.  Sinkhole collapse means actual physical damage arising out of, or caused by, sudden settlement or collapse of the earth supporting such property and only when such settlement or collapse results from subterranean voids created by the action of water on limestone or similar rock formations.

16. Sudden and Accidental Damage from Artificially Generated Electrical Current 

• This peril does not include loss to tubes, transistors, electronic components or circuitry that are a part of appliances, fixtures, computers, home entertainment units or other types of electronic apparatus.

Do You Need Homeowners Insurance in Cincinnati?

Contact our independent insurance agency at 513-662-7000 or use our online rate quote system when you click on Cincinnati Homeowners Insurance Policy.