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Homeowners insurance provides basic financial protection from damage to your property and liability for injuries and property damage you or members of your family cause to other people. Homeowner policies may also cover property damage you or members of your family cause to others. A homeowners policy combines coverages for fire, windstorm, theft and liability into one convenient policy. Damage from most perils is covered under your homeowners policy, but there are exceptions. The most significant exclusions are damage caused by water, earthquakes and neglect. You can purchase two separate endorsements to cover damage caused by flood or earthquake. In addition to covering physical damage to your dwelling and its contents, your homeowners policy provides some protection from liability. This includes damages arising from the home itself or the front yard when for example a visitor slips on the sidewalk and falls. Most homeowner policies provide some basic coverage for bodily injury and medical expenses. This coverage can be increased with additional premiums.

When comparing insurance companies, be sure to consider more than just rates. Typically, consumers are always amazed at how much money they can save if they take the time to obtain quotes from a handful of companies. Each insurance carrier has different minimum and maximum limits of coverage.

Most homeowner policies include the following six basic coverage types: Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverage. There are several basic types of homeowner's policies offered by most companies in Ohio. They typically provide the following coverage:

• HO-1 covers damage due to fire or lightning, windstorm or hail, vandalism or malicious mischief, theft, damage from vehicles and aircraft, explosion, riot or civil commotion, glass breakage, smoke, volcanic eruption, and personal liability.
• HO-2 covers perils listed in HO-1, plus building collapse; freezing or discharge of water from internal plumbing, heating, air-conditioning systems or domestic appliances, falling objects, weight of ice, snow or sleet, rupture or bursting of steam or hot water heating systems, and damage from sudden electrical currents to appliances or devices or fixtures or wiring.
• HO-3 covers loss to physical property except when caused by certain exclusions (e.g. earthquake and flood) and all perils covered by HO-2 for damage to or loss of personal property (damage to contents); and personal liability. This is the most popular homeowner policies.
• HO-8 is for older homes it resembles the HO-1 policy, but provides limited theft coverage and loss settlements are usually based on actual cash value.
• HO-4 is intended for renters/tenants and covers personal property for all of the perils covered under HO-2 and personal liability.
• HO-6 is intended for condominium owners and covers personal property and liability, their portions of the building and loss of use from the similar perils as covered under HO-2.

For actual coverage, be sure to read your policy carefully so you fully understand exclusions defined in the policy. Be sure to discuss the details of coverage and exclusions with your insurance agent these can vary by insurer.

Our customers shop from Columbus, Cleveland, Cincinnati, Toledo, Akron, Dayton, OH and other great cities in the buckeye state to find cheap homeowner insurance from top rated insurance companies.