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5 Ways To Get The Most Out Of Homeowner’s Insurance Ohio

Do you have homeowner’s insurance Ohio? You should. Failure to safeguard your home and possessions against disaster could result in steep financial losses and unreplenished property losses. If you already have homeowner’s insurance, make sure that you’re utilizing it to the fullest extent so your belongings have the maximum protection. Luckily, there are many ways to get the most out of your homeowner’s insurance Ohio:

1. Make an inventory

Take stock of your belongings with a written record and visual proof to make settling claims easier if a natural disaster occurs. Make sure the inventory is not stored inside your home.

2. Alternative Housing

Many policies will pay for temporary housing if your home is uninhabitable due to damage by a natural disaster. Ask your homeowner’s insurance Ohio provider if your policy has “loss of use” or “additional living expense” coverage. If they do not, make living arrangements with friends or family so you have a plan if you suddenly are unable to stay in your home.

3. Don’t fear tornado damage

Damages caused by tornadoes are protected under homeowner’s insurance Ohio policies. This protection is available under the comprehensive section of your automobile insurance policy.

4. Check flood insurance

Flood insurance is not usually included in homeowner’s or renter’s insurance policies, so contact the National Flood Insurance Program at 1-800-638-6620 to learn about flood insurance and if it is necessary.

5. Making Insurance Claims

After a disaster hits, immediately call your insurance company and visually document evidence of damage. Make sure everything is included in your claim, and be able to make it up with written estimates, receipts and photographs. And take your time! Rushing the process could lose you money.

 

For more information about homeowner’s insurance Ohio or how to get the most out of your policy, contact an agent at W.B. Green today!