Your home is your castle and is as unique as you are. Detwiler-Brofford Insurance has been helping customers in Gahanna, Ohio and the surrounding Columbus, OH areas find the right kind of homeowner coverage for over 30 years. The right coverage is different for everybody. We will listen to your needs and then research multiple insurance carriers to find what is best for you. We only represent the top rated carriers in the industry who offer a variety of packages tailored to meet your individual needs. DBI will look hard not only to get you the right coverages, but at the best value. We always offer free home insurance quotes from multiple companies.
Your homeowners insurance policy is very important whether you own or rent your home. It offers a combination of property and liability coverages in one package. A standard homeowners insurance policy includes four essential types of coverage:
1.) Coverage for the structure of your home and other structures.
This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other loss listed in your policy. It will not pay for flood, earthquake or water and sewer backup unless purchased separately. When purchasing insurance for the structure of your home, it’s important to buy enough coverage to rebuild your home.
2.) Coverage for your personal belongings.
Your clothes, sports equipment, furniture, and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disaster. This is your personal property insurance.
3.) Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured loss.
This covers the additional living expenses when living away from home due to damage to your home caused by a fire, storm, or other insured peril while your home is being rebuilt.
4.) Liability protection
This covers you against claims or lawsuits for bodily injury or property damage that you, a family member or a pet cause to others. Your policy will also provide medical coverage to others.
Detwiler-Brofford Insurance will work with you to ensure your homeowner coverage fits your needs and your budget.
Home Insurance FAQ
1.) How much homeowners insurance coverage should I have?
There is not an answer to this question, because your coverages are based on your personal needs. DBI will be happy to provide you with a free home insurance quote and needs analysis to determine what is right for you.
2.) Are there different types of homeowners insurance policies?
Yes. The coverages will be different depending on what coverages you need. The policy will differ depending on if you own or rent your home or condo. DBI will be happy to listen to your insurance needs and offer a free homeowners quote.
3.) What affects home insurance prices?
Some of the most common price determinations are:
• The age of your home
• The type of construction material used to make your home (it usually costs more to insure a frame house than a brick one.)
• Local fire protection
4.) Why should I buy home insurance?
You should have homeowners insurance to protect your house and your personal property. You should also protect yourself against liability for accidents that injure other people or damage their property.
5.) What home insurance deductible should I choose?
The deductible is what you have to pay out of pocket on each claim made. Insurance only pays out once the deductible amount is met. A policy with a $100 deductible will cost more than one with a $250 deductible. Higher deductibles may reduce the price, but you will have to pay more out of pocket at the time of loss.