Home insurance is a must in Ohio, especially if you have a loan out on your home. In fact, it is required by law, and you won't be able to get a mortgage without homeowner's insurance in place. Even if you own your home outright, it's essential to protect this valuable asset in the event of damage or theft. That's where Best Choice Insurance comes in. Our agency will help you find the right home insurance policy for your property, whether it be a primary residence, vacation home, or rental property.
When you insure your home in Ohio, the bank requires that you insure at least 80 percent of the replacement cost of your property. Without this 80 percent mark, you will have to cover the rest of the costs of repairs and damage out-of-pocket after submitting an insurance claim.
Another reason to have homeowner's insurance is to protect yourself and others in the case of an injury. For example, if you have a party or other get-together at your home and someone gets injured by falling down the stairs or in another way, your homeowner's insurance will defend you in court if a lawsuit is filed, negotiate a settlement, pay any judgments ordered, and be subject to any policy provisions. This brings invaluable peace of mind that you are protected in the case of an unseen event.
At Best Choice Insurance, we work hard for our clients, helping them understand each policy by going over the fine detail, comparing quotes, and finding the best policy at the right price. If you're ready to get started, you can utilize our online rating tool to find one or more quotes or give us a call to speak with a reputable, experienced, and friendly agent about your homeowner insurance needs today.