If you’re asking yourself, “where should I buy homeowners insurance in Cincinnati,” then you’ve come to the right place. Homeowners insurance is a necessity for anyone wanting to protect their investment.
Buying insurance for your Cincinnati home is one of the wisest investments you can make for your first greatest investment – your home. A homeowner’s policy helps restore your home’s interior and exterior from damage. Paying out of pocket to fix the aftermath of a loss like a fire or tornado would be impossible for many, so insurance exists to restore from these sorts of losses. As opposed to paying for an entire loss yourself, with homeowner’s insurance you only pay a portion (your deductible, typically between $500-1,000) so it is highly recommended that you purchase quality coverage. Having an agent to make sure it meets your needs and requirements is one of the many reasons that people have been working with Zimmer Insurance Group for decades.
Where To Buy Homeowners Insurance in Cincinnati?
One of the best places to buy homeowners insurance in Cincinnati is Zimmer Insurance Group. We offer the best protection you need for your home because we work with insurance carriers that put their clients first, and who stress quality coverage and service above all else.
Zimmer Insurance Group is a local Cincinnati insurance group that helps these homeowners find the right plan for their needs. Zimmer Insurance Group works directly with residents to find plans that cover their needs, while still prioritizIng affordability.
What Does Homeowners Insurance Cover?
Homeowners insurance is a great thing to have in terms of home protection. It is not a luxury, and everyone who owns or rents a home should consider purchasing it. Generally, the policies cover a variety of things in and around the home. Put simply, this insurance covers destruction or damage that can occur to a house as well as loss of personal items from theft or loss.
Damage to the House
Insurance covers both the interior and exterior of a home. This damage can come from a variety of factors or incidences. Most common (certainly not all) are fires, hurricanes, high winds, or thunderstorms. However, there could also be vandalism or other damage done to your home! Damage from natural occurrences are not the only things insurance aims to alleviate! If your house experiences any of this, insurance will help compensate you to make needed repairs so it is imperative you purchase quality insurance from a trusted source.
In terms of internal damage, clothing, furniture, jewelry, and appliances are covered if they are broken, lost, or ruined in the event of a disaster. Depending on the insurance company, you can get coverage for specific belongings under a separate “inland marine” or “personal articles” policy. Those cover the aforementioned items you have that may be more expensive, such as collector’s items or fine jewelry. It is advisable to get them on a standalone policy so that they are subject to their own limits and not looped in with your homeowner’s limits with regards to your personal property.
During Repairs
If your home is ruined or destroyed, homeowners insurance helps cover the damages and repair costs. However, suppose you have obtained coverage for additional living expenses. Most policies have this provision, but some have a specific limit while others will pay for whatever the living expenses (i.e., “loss of use” of your house and your need to live elsewhere) cost you during the rebuild process. An example of these would be any potential hotel stays or meal costs you may incur while you wait for your house to be repaired.
Personal Liability
Liability in a homeowner’s policy is as important as physical protection on the home itself. If something happens on your property like a visitor falls and gets injured in a way that leads them to suggest you were negligent, this type of homeowners insurance will then help protect you from a potential lawsuit.
Renters Insurance
Owning a home and renting a home are different. Due to this difference, you may not need homeowners insurance when renting. However, you should still get renters insurance in order to protect your apartment or wherever you’re renting.
Renters insurance is a form of homeowners insurance that covers rented properties including houses, apartments, or townhomes. If you are renting a property, you are not covered by your landlord’s insurance. They typically insure the outside of the building, but you’re responsible for what’s inside your walls. Also, the coverage details for renters insurance differ from general homeowners insurance. Cincinnati has plenty of renting opportunities for residents, making renters insurance a necessity.
What is Renters Insurance?
Renters insurance is a policy that helps reimburse you for interior items. Since you do not own the home, renters insurance covers your items if something may happen. If you are not the home’s sole owner, your landlord’s insurance will not cover you. Since this is the case, renters insurance becomes even more important if you want to protect your belongings.
Where Can You Get It in Cincinnati?
In Cincinnati, renters insurance is provided by multiple firms. However, more people have begun to turn to smaller firms like Zimmer Insurance Group. Zimmer is family-owned and has an experienced team of professionals to assist you with obtaining homeowners and renter’s insurance.
Get Started Today!
Zimmer Insurance Group can help you get started with homeowners insurance in the Cincinnati area. If you are looking to purchase or rent a home, trust Zimmer to be your provider. Zimmer has employees at your service to help get you a quote for your insurance as well as answer any questions you may have.
To obtain a quote, you just need to submit a form online, including your name, phone number, home address, among other financial details. Then, with their team of professionals, you will get contacted with a quote and additional information.
If you are looking to get a quote from Zimmer, click the link here or call 513-381-1919 to get started. We’d be happy to help and look forward to hearing from you!
