Homeowners aren’t legally required to obtain insurance, resulting in many homeowners getting the bare minimum. However, getting the basic minimum liability home insurance in Cincinnati, OH, can you leave financially liable for everything from lawsuits to damage from natural disasters. There are a few additional coverage options you should consider.
Flood Insurance
Most policies exclude floods, but Cincinnati, OH, is prone to flooding. High rainfall can flood lower areas. Properties near the Ohio River are also more likely to experience flooding. Ask one of our agents at McCluskey Insurance Services LLC about flood coverage.
Tornado Protection
Tornado Alley has expanded in recent years, now encompassing Ohio. Many areas have seen an increase in tornadoes, with some counties reporting record numbers of tornadoes in recent years. However, some policies still exclude tornadoes.
Ask an agent about tornado protection. Remember to discuss coverage limits to ensure you can replace your belongings, repair your home, and pay for temporary lodging if your home is destroyed. A natural disaster doesn’t have to leave you on the streets.
Additional Property Coverage
Sometimes, property coverage isn’t enough. For example, if you have an artwork collection, expensive jewelry, or recreational vehicles, you may need higher coverage limits. It’s important to make a list of your valuable assets and how much it would cost to replace them to ensure you have adequate property coverage.
Here at McCluskey Insurance Services LLC, we understand the importance of having the right coverage. Our experienced agents will discuss all the available options so you can find a policy that suits your needs. Contact us to learn more. We’re currently serving the Cincinnati, OH, area.
