5 Benefits of home insurance in Westerville, OH

When buying a new home, there’s a lot to check off the "to-do" list. Don’t let home insurance be an afterthought.

Otto Insurance Group can help take one item off your plate by finding a personalized home insurance plan that’s right for you.

Serving Westerville, OH, the agency shares five benefits of having home insurance.

Covers primary dwelling

The main role of home insurance is to protect your home. If damage does occur, home insurance kicks in by reimbursing for repair or replacement costs. Each policy will list what type of accident or natural disaster is included.

Covers other structures

This coverage extends to other parts of your property also. Any detached structures, like garages or sheds, are likely protected. Fences, gates, and decks might be too. Again, refer to your policy to determine the policy limits for each.

Protects belongings

Your possessions inside are guarded too. Personal property protection accounts for any items that are stolen, damaged, or destroyed. This extends to appliances, furniture, electronics, memorabilia, and other valuables. To ensure proper coverage, conduct a home inventory to assess the monetary value of these belongings.

Offers liability protection

Liability insurance is especially important. For this reason, it’s included in nearly any insurance policy. Liability applies to any accident or incident on your property where you are found to be legally responsible. This coverage will reimburse medical bills and legal fees that pile up as a result.

Provides loss of use coverage

Accidents happen. If you are forced to relocate temporarily, loss of use protection has your back. This will pay for any added living costs, including food, hotel stays, or even increased travel.

Contact an agent serving Westerville, OH

With a home insurance policy, Otto Insurance Group can grant safety, security, and peace of mind. Schedule an appointment today.