Ohio is no stranger to natural disasters, including severe storms, tornadoes, floods, and landslides. Wildfires and even tropical storms occasionally impact the Buckeye State as well. Fortunately, home insurance policies for Central Ohio homeowners typically cover many of these perils. Commonly covered events include damage caused by wind, fire, tornadoes, and severe storms.
However, flooding is not covered under standard home insurance policies. Homeowners in flood-prone areas should purchase separate flood insurance to protect their property. In fact, some mortgage lenders require flood insurance as a condition for obtaining a home loan. Similarly, landslides are excluded from regular home insurance policies and require a Difference in Conditions (DIC) policy for coverage.
How Much is Covered?
The amount of compensation you receive depends on the limits of your home insurance policy. If your home is highly valuable (worth $1 million or more), you own expensive antiques or collectibles, or you operate a home-based business, you may need additional coverage to ensure full compensation in the event of a natural disaster. Additionally, it’s important to note that vehicles are not covered under home insurance policies. To protect your car from damage caused by natural disasters, you’ll need a comprehensive auto insurance policy.
Call Insuran LLC for More Information
If you own a home in Central Ohio and want to learn more about your coverage options and limits, contact Insuran LLC. Our team is here to provide personalized assistance, helping you review policy options, set deductibles, and select an insurance policy or bundle that meets your needs while staying within your budget. Call us today to get started.
