Home Insurance

Hey Ohio! YOUR primary asset IS IMPORTANT, MAKE SURE IT’S PROTECTED with homeowners insurance

You have to ask yourself…

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs? That’s where homeowners insurance comes in to protect your assets and your lifestyle.

Here at The Insurance Pad, we help people across Ohio secure customized homeowners insurance from our office in Beachwood.

If a crisis arises, you’ll feel a little less pressure knowing you can call us and talk to someone you know. You’ll also be glad:

  1. We spent time together to make sure you have the right protection
  2. We are here to serve as your guide as you navigate your homeowners insurance policy.

What Is Homeowners Insurance For?

Homeowners insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you. You could also potentially need insurance to protect you from having to be responsible for the cost of damages from:

  • Storm damage, fire, windstorm, lightning, and hail
  • Dog bite liability 
  • Injury from trampoline or swimming pool
  • Sinkholes
  • Water backup from sewers or drains

When you work with the protection coaches at The Insurance Pad, you have the chance to explore all your options for insurance and protect the things that are most important to you.

Little-Known Facts About Home Insurance

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

  • Most policies will not cover water backup from sewers or drains, unless you purchase a special endorsement
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
  • A standard homeowners policy typically does not include flood insurance
  • A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
  • Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
  • IMPORTANT: You can combine your home and auto policies (and others) for even more savings.

Which Types of Homes Should You Insure?

  • Frame houses
  • CBS homes (Concrete Block Structure)
  • Manufactured homes
  • Mobile homes on acreage
  • Condos
  • Townhouses
  • Secondary homes
  • Homes you rent to others
  • Seasonal resident homes

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

In reality, there’s no such thing as a one-size-fits-all insurance policy when it comes to your homeowners policy.

Plus, we’re betting you won’t find many insurance agents who practice the Golden Rule. Our Golden Rule philosophy of treating others how we want to be treated, coupled with our deep experience, assures the best outcome for everyone. We’re also huge football fans (Go Browns, Go Indians and Go Cavaliers!) and we love to cook. Learn a little bit more about us at our Cooking with Insurance Blog here.

Contact us today, and we'll help you protect what matters most.