Why You Should Not Save Money on Home Insurance in Cincinnati?

Don’t fall for the trick of purchasing cheap home insurance Cincinnati.

The biggest mistake you could make is reducing coverage to save money on your insurance. You could inadvertently save a small amount of money now, but cost yourself tens of thousands of dollars later.  

Call the Cincinnati homeowners insurance experts with Pathway Insurance at 513-662-7000.

We can help you design a homeowner’s plan that takes a balanced approach between reducing cost, and not reducing benefits.  Or for an online insurance quote click: Home insurance Cincinnati.

Why Saving Money On Insurance Can Cost You Money?

Isn’t it true that every single insurance company advertising on television tells pretty much a universal story on how important it is for consumers to save money on insurance? It’s true.

However what companies typically do not advertise is how insurance can save you financially in the event of a catastrophic claim.

Consumers have been misled into believing that the only thing that matters is the price you pay for the insurance, this is far from the truth.

Why?  Insurance is far more complicated than the price you pay for it. ™

This Is How Insurance Is Different between Companies

There are 4 specific factors or elements on insurance that consumers need to understand and take into consideration before they make a decision to change to another insurance company.

Each one of these areas can have an impact on you financially. What are the four factors?

1. Insurance policies are not identical
2. Claims reputation differs between insurance companies
3. Insurance endorsements can add or take away coverage from your policy
4. Are you given insurance education by your company? (Knowledge is power.)

Let’s discuss the first area, which regrettably is one of the most important factors that consumers pay absolutely no attention to because we have not been taught that it is something that’s important for us to pay attention to. But it’s an area that could literally cost you tens of thousands of dollars out of pocket if you have purchased the wrong insurance policy.

Did You Know Homeowners Insurance Policies Are Not Identical?

Certain insurance companies by means of television advertisements have attempted to subtly convey the opinion that the only difference between insurance policies is the price that you pay for that protection. That is absolutely not the truth, here is the reason why.

There can be many major differences in home insurance protection and coverage between companies. So you can have the same property coverage limits and deductibles on your homeowner’s insurance policy, but the claim results can turn out completely different between company to company, because of the language in the insuring agreement of the insurance policy itself.

In a new book that I am publishing, I will give actual examples of how a particular homeowner’s claim could be covered with one insurance policy, but would be denied by another insurance policy.

First Thing You Need to Know about Insurance

When you are looking for Home Insurance Cincinnati, the very first thing that you have to understand is that insurance policies are not identical. There can be significant differences between insurance company policies that could cost you a large sum of money if you are not aware of those differences.

In a future article we will discuss why the claims reputation of your insurance company is important.

If you are unsatisfied with your current insurance carrier why not give us a call? We offer the most competitive rates on Home Insurance Cincinnati. Our office number is 513-662-7000 or you can receive an online home quote by clicking on:  Home insurance quotes Cincinnati.

What should you do if your Cincinnati home insurance policy is canceled? Contact the insurance experts at 513-662-7000. We can help you find replacement homeowners insurance coverage in all 50 states. Click here for an online homeowners insurance quote.

Did You Receive a Cancellation Notice for Your Ohio Homeowners Insurance?

You are not alone. Due to record weather-related losses in Ohio insurance companies are canceling insurance policies like never before. The travesty is that in some instances, through no fault of your own, you are being singled out as a bad risk by your previous homeowner’s insurance company and that is why your insurance policy is been canceled.

Why Insurance Companies Cancel Policies?

As was mentioned above weather-related losses have reached unprecedented levels in Ohio and insurance companies are scrambling to stop the massive financial losses that are incurring by raising homeowner’s insurance rates substantially and canceling home insurance policies when they go over a certain number of losses, even if they are all weather related.

Ohio Homeowner’s Insurance Companies Will Not Show Loyalty to You, Even If You Have Been Loyal to Them for Many Years!

Insurance companies through their television advertisements want you to believe that they are a caring and compassionate industry, ready and able to be there for you when you need them at claim time. But in reality insurance companies will take dramatic steps to cut their losses when their purse strings are risk.

It doesn’t matter if you have been insured with your company for 30 years or more, if you start to cost them money they will cancel your insurance! The bottom line is that insurance companies want you to be loyal to them but they will not return the favor to you!

If Your Cincinnati Home Insurance Policy Is Canceled Call Us!

Not every insurance company takes the same approach to claims so in other words just because you are an unacceptable risk to one insurance company, does not mean that other insurance companies will not insure you.

We have significant experience in helping policyholders who were previously with State Farm, Allstate, Nationwide, Farmers, and American Family that were canceled by their insurance company for claims frequency.

Call 513-662-7000 for Homeowners Insurance Quotes Ohio.

Pathway Insurance has represented Encompass Insurance in Cincinnati for many years and they offer one of the best Ohio homeowner’s insurance policies that you can purchase. Additionally Encompass offers very competitive rates on automobile and homeowners insurance in Cincinnati.

Information About Encompass Insurance

Encompass Insurance was formerly owned by CNA Financial and it is represented by more than 3,200 independent insurance agents across the country. You can only purchase a policy from Encompass Insurance in Ohio by means of independent insurance agents. Encompass Insurance is a wholly owned subsidiary of Allstate insurance.

Claim services are not administered by Allstate insurance or their claims adjustors. Claims are exclusively handled by Encompass claims adjustors with an overall 95.6% claim satisfaction rating.

Encompass Insurance Offers Unique Insurance Products

Encompass Insurance in Ohio offers a package policy that includes your car, home, landlord insurance, boat, motorcycle, and umbrella insurance on one package policy. Additionally you can purchase three different levels of coverage to meet your individual insurance needs.

The Elite homeowner’s insurance option is one of the best in the entire insurance industry. It is one of the last homeowner’s insurance companies in Ohio offering guaranteed replacement cost on your home, in the event of a total loss. Other unique coverage include water back up, jewelry, coverage for business property And fine arts coverage are automatically included in the Elite homeowner’s insurance policy option.

Encompass offers umbrella limits up to $5 million on their package policies.

Contact Pathway Insurance For a Free Insurance Evaluation

Call 513-662-7000 for your Encompass Auto or Home Insurance Quote today!

Facts about American Commerce Insurance 

American Commerce Insurance opened its doors in 1946 and the home office is located in Columbus Ohio. American Commerce became a subsidiary of MAPFRE in 2008. You can read about the financial ratings of American Commerce by clicking here:

Financial ratings American Commerce

Insurance policies offered by American Commerce Insurance in Ohio Include: 

• Auto Insurance-  American Commerce auto insurance in Cincinnati.
• Homeowners Insurance- American Commerce homeowners insurance in Cincinnati.
• Umbrella Insurance- Call 513-662-7000 to receive a quote on American Commerce umbrella Insurance in Cincinnati.

Want a Quote from American Commerce Insurance in Ohio?

American Commerce Insurance offers insurance through independent insurance agents in Ohio and your local AAA office. Pathway Insurance has represented American Commerce for the last three years and is one of the top performing agencies for American Commerce in Ohio.

If you are a good driver with no tickets or accidents, American Commerce has some of the best insurance rates in Cincinnati.

Already a Customer of American Commerce?

If you need customer service on your American Commerce insurance policy and we are your servicing agency please call 513-662-7000. If you are not sure who your agent is, why not be insured with one of the best agents representing American Commerce in Ohio? Call us and we would be glad to help.

Need to make an online payment with American Commerce? CLICK HERE

You should be aware that not all homeowner’s insurance policies are exactly identical. 

You might think you are getting a great price on your homeowners insurance, when in fact some critical coverage might be missing that could leave you in a deep hole financially.

Call 513-662-7000 to learn how you can receive a homeowner’s insurance audit.  You can also receive an online homeowners insurance quote in all 50 states by clicking here.

Many Ignore Exclusions on Homeowners Insurance Policies to Their Detriment!

A homeowner’s insurance exclusion written in the personal homeowner’s insurance policy describes activities or occurrences that may be excluded from coverage. Essentially, if an excluded activity occurs and your home is damaged, the insurance company is not going to pay the claim!

There are hundreds of scenarios in which claims can be denied or limited by your homeowner’s insurance company!

Listed below you will find exclusions with one particular insurance carrier.  Please note that exclusions are not universal among insurance companies.  In other words what is excluded with one company may be covered by another insurance company so read your policies very carefully!

Common Homeowners Insurance Exclusions (Not all are listed.) 

1) Ordinance or Law, meaning any ordinance or law:

a. Requiring or regulating the construction, demolition, remodeling, renovation or repair of property, including removal of any resulting debris. This exclusion A.1.a. does not apply to the amount of coverage that may be provided for under Additional Coverage 12. Ordinance or Law;

2) Earth Movement, meaning:

a. Earthquake including land shock waves or tremors before, during or after a volcanic eruption;

b. Landslide; mudslide, or mudflow;

c. Subsidence or sinkhole; or

d. Any other earth movement including earth sinking, rising or shifting; caused by or resulting from human or animal forces or any act of nature, unless direct loss by fire or explosion ensues and then we will pay only for the ensuing loss.

3) Water Damage, meaning:

a. Flood, surface water, waves, tidal water, overflow of a body of water, or spray from any of these, whether or not driven by wind;

b. Water or water-borne material which backs up through sewers or drains or which overflows or is discharged from a sump, sump pump or related equipment; or

c. Water or water-borne material below the surface of the ground, including water which exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool or other structure; caused by or resulting from human or animal forces or any act of nature.

4) Power Failure, meaning the failure of power or other utility service if the failure takes place off the “residence premises”. But, if the failure results in a loss from a Peril Insured Against, on the “residence premises”, we will pay for the loss caused by that peril.

5)  Neglect, meaning neglect of an “insured” to use all reasonable means to save and preserve property at and after the time of a loss.

6)  War. War includes the following and any consequence of any of the following:

a. Undeclared war, civil war, insurrection, rebellion or revolution;

b. Warlike act by a military force or military personnel; or

c. Destruction, seizure or use for a military purpose. Discharge of a nuclear weapon will be deemed a warlike act even if accidental.

7)  Nuclear Hazard, to the extent set forth in the Nuclear Hazard Clause of Section I – Conditions.

8) Intentional Loss, meaning any loss arising out of any act an “insured” commits or conspires to commit with the intent to cause a loss. In the event of such loss, no “insured” is entitled to coverage, even “insured’s” who did not commit or conspire to commit the act causing the loss.

9) Governmental Action, meaning the destruction, confiscation or seizure of property described in Coverage A, B or C by order of any governmental or public authority. This exclusion does not apply to such acts ordered by any governmental or public authority that are taken at the time of a fire to prevent its spread, if the loss caused by fire would be covered under this policy.

10) “Fungi”, Other Microbes or Rot, meaning any loss or cost resulting from, arising out of, caused by, consisting of, or related to, “fungi”, other microbes or rot. This exclusion does not apply to:

a. “Fungi”, other microbes or rot remediation coverage that may be afforded under Additional Coverage 16. Limited “Fungi”, Other Microbes Or Rot Remediation; or b. “Fungi”, other microbes or rot that results from fire or lightning.

11) Freezing of a plumbing, heating, air conditioning or automatic fire protection sprinkler system, waterbed, water heater, aquarium, or household appliance, or by discharge, leakage or overflow from the system, waterbed, water heater, aquarium, or household appliance caused by freezing 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.

12)  Any actual or alleged failure, malfunction or inadequacy of:

(1) any of the following, whether belonging to any insured person or to others;

(a) computer hardware, including microprocessors;

(b) computer application software;

(c) computer operating systems and related software;

(d) computer networks;

(e) microprocessors (computer chips) not part of any computer system;

(f) any other computerized or electronic equipment or components;

13) Volcanic eruption.  Damage to or loss of use of property resulting from the entire process of a volcanic eruption. This includes, but is not limited to, eruption of a volcano, earth movement resulting from the eruption process, or discharge, dispersal or accumulation of lava, rock, soot, ash or any other material from a volcano. We do cover direct loss that follows caused by fire, explosion or breakage of glass.

 14) Wear and tear, marring, or scratching, deterioration;

15) Inherent vice, latent defect, mechanical breakdown;

16) Smog, rust or other corrosion;

17) Smoke from agricultural smudging or industrial operations;

18) Discharge, dispersal, seepage, migration, release or escape of pollutants unless the discharge, dispersal, seepage, migration, release or escape is itself caused by a Peril We Insure Against under Coverage C -Personal Property of this policy. Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed;

19)  Settling, shrinkage, bulging or expansion, including resultant cracking, of pavements, patios, foundations, walls, floors, roofs or ceilings;

20)  Birds, vermin, rodents or insects;

21) Animals owned or kept by an insured person; or

22) Continuous or repeated seepage or leakage of water, steam or moisture, which occurs over a period of weeks, months or years from within a plumbing, heating, air conditioning or automatic fire protection sprinkler system, waterbed, water heater, aquarium, or household appliance, and results in deterioration, corrosion, rust, or fungi.

Read Your Homeowners Insurance Policy Carefully! (Exclusions, and terms and conditions will differ from company to company. This is an not an all inclusive example of all homeowners insurance exclusions. Many exclusions have not been listed.)

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)

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.

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.

What Is Home Insurance and How Does It Help Me?

If you own a home, condominium, or rent an apartment you can be covered by a homeowners insurance policy form.

Technically there are six different versions of a homeowner’s insurance policy. Click here to read about each individual homeowner’s policy in Cincinnati.

A homeowner’s insurance policy (depending upon the specific policy form) protects the home itself, detached structures on your property, your personal property, and can even provide money to cover extra expenses while your home is being repaired or rebuilt.

Additionally a home insurance policy can provide liability protection against claims or lawsuits involving damages from bodily injury or property damage. Your Cincinnati homeowner’s insurance policy can also cover medical payments to others.

The Most Commonly Purchased Home Insurance Policy in Cincinnati Is the HO3.

Is this particular home insurance policy the best for your circumstances?  It depends on your individual insurance needs. The biggest disadvantage with the HO3 homeowner’s insurance policy is that your personal property (Coverage C) is only covered if the direct physical loss is caused by one of 16 different perils. (Some companies may only insure against 15 named perils.)

Click here to read a list of the covered perils in the HO3 Home Insurance Policy.

So in other words if something happens to your personal contents of your home and it is not listed in one of the named perils it will not be covered.

We Can Help You Find the Best Homeowners Insurance in Cincinnati

Because we are an independent insurance agency in Cincinnati we have the ability to shop for the home insurance policy that is best for your individual circumstances and needs.

Call 513-662-7000 to speak with a homeowner’s insurance expert in Cincinnati, or contact us by e-mail: Jack@pathwayinsurance.net

Contact us by calling 513-662-7000 to speak with our highly qualified insurance professionals to help you choose the best policy for your individual needs. 

We offer the most competitive rates on homeowners insurance in Ohio, Kentucky, Michigan, Indiana, Tennessee, and Georgia.  If you do not live in Ohio, Kentucky, or Indiana click here to request online home insurance quotes from top insurance companies in your area.

There Are Six Specific Versions of the Homeowner’s Insurance Policy:

HO2– This homeowner’s insurance policy features coverage for the home itself, detached structures such as a garage, barn or shed. (Gazebo’s too) also this policy form makes available money to provide for extra expenses that you incur while your home is being repaired or rebuilt.  Finally personal liability coverage and medical payments is available as well. (We do not recommend that you purchase this policy form due to name perils coverage on the home itself. You can click here to read about named perils coverage.)

HO3– Is a home insurance policy form that is superior to the HO2 because it offers better protection than the HO2. The HO3 provides all risk coverage to the dwelling itself, minus the exclusions listed in the insurance policy. (Insurance companies now use this term to refer to all risk coverage: We cover direct physical loss to property insured under Coverage A – Dwelling and Coverage B – Other Structures except for losses excluded in Section I – Property Protection Exclusions.) Your personal property or contents coverage is insured against 16 different perils. Click here to see what the 16 perils are.  As is true with the HO2, the HO3 makes available money to provide for extra expenses that you experience while your home is being repaired or rebuilt. (Loss of use coverage) Personal liability coverage and medical payments are available as well.

HO4– This homeowner’s insurance policy form is intended for those who rent apartments or homes. Your personal property or contents are typically insured against 16 different perils.  Because the tenant does not own the apartment or home, it is not possible to cover the dwelling itself.  Some insurance companies might allow building additions and alteration coverage for any upgrades paid by the tenant to improve their apartment or home. Liability and medical payments coverage are available as well. The HO4 can also provide for extra expenses that the tenant experiences if they are displaced because of a loss to their apartment or home they are renting. (Loss of use coverage) An endorsement called the HO15 may be added to the renter’s insurance policy in Cincinnati which provides all risk coverage on the contents, minus the exclusions.

HO5– This is the most comprehensive homeowner’s insurance policy in Cincinnati. This policy covers everything that the HO3 does but with one major addition.  It covers personal property or contents coverage on an “all risk” basis.  The HO3 only covers personal contents based on the 16 covered perils. This is a significant enhancement in coverage compared to the HO3.  Only the exclusions listed in the policy would not be covered. There could literally be hundreds of different scenarios in which coverage would be denied under the HO3, but would be covered by the HO5.  This is the best homeowner’s policy form.

HO6- This homeowner’s policy form was developed for condominium and Landominium owners.  It is very similar to a renter’s insurance policy because the primary coverage is on personal contents or personal property coverage. Name perils coverage applies. (An endorsement called the HO15 may be added to the condominium policy which provides all risk coverage on the contents, minus the exclusions.) Condominium owners may be unaware of a potential exposure or gap in coverage offered by the condominium association’s master insurance policy.  The condominium association’s master insurance policy may not provide coverage to rebuild the inside of the condominium, or if it does it may only provide builders grade coverage. So in other words if you paid $40,000 extra for upgrades to your condominium and your condominium is destroyed, you will need to pay $40,000 out of pocket to put those upgrades back into your condominium unless you purchased improvements and betterments on your individual condominium insurance policy.  In addition loss assessment coverage can be purchased under the HO6 insurance policy. The HO6 policy provides Liability and medical payments coverage in addition to loss of use coverage.

HO8- This homeowner’s insurance policy form is very infrequently sold by insurance companies.  It was developed for older homes where the replacement cost far exceeds the market value of the home. Instead of rebuilding or repairing the home using like kind of building material. (Plaster walls versus drywall) it would only pay for the most common modern building materials. (Drywall versus plaster walls.)  Coverage is provided only on a name perils basis with some limitations to the name perils coverage that is typical in the HO3.  For instance the HO8 does not cover weight of ice snow or sleet, or sudden and accidental tearing apart of a heating system or appliance. We do not recommend that you purchase the HO8 unless you have no other alternative.

Call Us When You Need Home Insurance in Cincinnati!

Most insurance agents only offer a price and they give no advice. ™  We believe insurance education is more important. Contact our homeowner’s insurance experts today for your insurance needs.

Pathway Insurance -513-662-7000