Cincinnati Home Insurance Coverage Comparison

When you are shopping for home insurance coverage in Cincinnati you want to keep in mind that the coverage quoted from company to company may differ significantly.  

Call 513-662-7000 to receive free comparisons on homeowners insurance, or you can use our convenient online quote system by choosing : Cincinnati Home Insurance Quote.

As was mentioned in the previous article:  What’s not covered on my Home Insurance Policy?

A home insurance policy does not provide unlimited coverage, so you should take time to understand where any potential gaps in coverage may be apparent.  Now we will discuss further limitations of coverage on the home, condo, or renters policy.

As will be discussed in more detail in another article the home policy (Condo and Renters policy have different coverage parts) and what is covered is broken down into something called  “Sections”.  Section 1 for the home policy has 4 distinct coverage parts:

We Will Focus Specifically on Coverage C- Personal Property Limitations of Coverage.

Certain types of personal property are either not covered, or they have limitations on the maximum amount of money that will be paid for those items in the event of a loss for instance:

Computers, especially lap top computers or business equipment that you keep in your home.

Antique furniture and Fine Arts.

Theft of jewelry, watches, precious and semi-precious stones and furs, including any article containing fur which represents its principal value. 

Theft of silverware, silver-plated ware, goldware, gold-plated ware, platinumware, platinum-plated ware and pewterware.

Theft of guns.

Theft of sports cards or other collectible cards.

Theft of hand tools (not including lawn and garden tools and equipment).

Money, bank notes, bullion, coins and medals and other numismatic property and precious metals including platinum, gold and silver, but not goldware or silverware.  

Securities, accounts, deeds, evidence of debt, letters of credit, notes other than bank notes, passports, manuscripts, tickets, stamps and other philatelic property. This dollar limit applies to these categories regardless of the medium (such aspaper or computer software) on which the material exists. The limit includes the cost to research, replace or restore the information from the lost or damaged material.

This is a brief list of common personal property items that have limited or no coverage.  Certain companies may have endorsement riders that can be attached to the policy that will provide a limited amount of coverage, but your deductible would apply.  Or you can schedule a individual item on something called an inland marine property schedule.

Always read your individual policy for complete detail?

Remember the worst possible time to learn you do not have the correct amount of coverage is after a claim occurs.

Need Help in Choosing the Correct Home Insurance Policy?

Call 513-662-7000 to speak with our licensed representatives or to receive an online insurance quote, click on: Home Insurance Quote Cincinnati