We can help you choose the best homeowners insurance coverage options for your individual needs. 

Insurance companies in Cincinnati advertise essentially the same message. We can save you money on your insurance call us for a quote.

The problem with assuming price is the most important factor in the decision making process is that not all home insurance policies are identical.  You can have the same limits or liability and property coverage, and the claims result can be different!

So in other words it can be a mistake to make a buying decision purely on the price you pay for your homeowners insurance in Cincinnati!

The Most Common Type of Homeowners Policy Sold has Big Gaps In Protection!

For example the most common homeowners insurance policies sold across the country is the HO3 homeowner’s policy form. Your insurance company may not call it the HO3 policy they may call it the “Protector” homeowners insurance policy, or some other sophisticated name that depicts a sense of security for their policyholders, but in reality it’s a standard HO3.  

Additionally insurance agents and companies may not tell you that a much better homeowner’s insurance endorsement could be available to you for only a small increase in price that increases your protection significantly.

In a previous article we discussed how the HO3 homeowner’s insurance policy would exclude coverage for mysterious disappearances of jewelry.  You can read this article by clicking here.

The HO5 homeowner’s policy could provide coverage for mysterious disappearances of jewelry whereas the HO3 would exclude it simply because it is not named as a peril in the policy that would be covered. (There may be internal limits check your individual Cincinnati homeowner’s insurance policy for details if you have the HO5 policy.)

The HO5 Homeowner’s Insurance Policy Is a Superior Policy. Why?

The HO5 homeowner’s insurance policy eliminates named perils coverage. Notice this coverage definition with one insurance company:

We cover risks of direct physical loss to property under the Dwelling, Other Structures and Personal Property Coverages, except for losses excluded by the exclusions in Section I of your policy

In contrast the HO3 homeowner’s insurance policy requires that the event that caused damage to your personal property be named in the policy.  If something damages your personal contents and it is not named in the policy, coverage would not apply. (This leaves you open to hundreds of different claims scenarios in which coverage would not apply under the HO3, but would be covered under the HO5.) 

Choose Your Homeowner’s Insurance Policy Carefully, but Choose Your Cincinnati Insurance Agent Even More Carefully.