Looking for Home Insurance in Cincinnati? Call 513-662-7000!
If you’re looking for home insurance in Cincinnati Ohio or in all 50 states you have come to the right place!
We offer both online home quotes and quotes by phone. Contact us by calling 513-662-7000 or 800-998-0662.
We provide competitive homeowners insurance in Ohio, Kentucky, Indiana, and Michigan directly through a large number of carriers. Property quotes in all other states are available through our agent referral network. Click here for all other states.
Homeowners Insurance Is Not As Simple As the Price That You Pay!
Many consumers are not aware that there can be significant differences in coverage between companies because of policy endorsements, and or policy language.
That is why it’s important to work with a professional insurance agency like Pathway Insurance because we provide a homeowners coverage checklist that helps you to learn of potential gaps in your insurance protection.
Let’s consider a home insurance claim scenario.
Case Example – Sewer Back up Claim.
Typically sewer back up claims are excluded from coverage unless you purchase the optional sewer back up endorsement. We will assume you have taken that step because your basement is finished.
Claim Scenario: For 10 straight days record amounts of rainfall overwhelm your area causing the ground to be completely saturated. Unknown to yourself your sewer system over a period of time had become compromised.
Water backs up into your finished basement causing more than $25,000 in damages.
All of your carpeting, drywall, furnace, water heater, washer and dryer, furniture, and entertainment system will need to be replaced.
You were not overly concerned at the time because you had the foresight to purchase more than a sufficient amount of sewer backup coverage.
You dutifully report your claim to the insurance company the day of the loss and a claims adjuster is dispatched the very next day, and 10 days later you receive a check in the mail with an explanation of benefits and coverage provided.
To your dismay you learn your insurance company is not paying for your furniture or your entertainment system and any of your other personal items including your iPad and laptop computer that were destroyed because your company excludes coverage for personal property due to water backup claims.
You will be forced to spend more than $10,000 to replace all items not covered by your insurance!
Less than a week later as you are attending a family get-together, your cousin Josie tells you that she also had a water backup claim and her company paid for everything, including all of her personal property.
Naturally you are upset that your company refuses to pay for your personal items so first thing Monday morning you call your agent to discuss why your company did not pay, but your Cousin Josie’s policy covered it?
You of course realize that Josie was not insured with the same company, but you assumed that coverage is the same with all companies.
Your agent dutifully explains that your Cincinnati homeowners insurance company excludes all coverage for personal property when a sewer backup claim occurs.
At that point because of utter frustration you explain to your agent that your Cousin Josie’s water backup claim was covered in full by their company.
Your agent explains that not all companies cover the same things. You tell your agent that would have been good to know beforehand.
Your agent commiserates with you about your loss and encourages you to buy used furniture, TV, and surround sound system, plus a laptop on Craigslist to save money.
This Is Why You Need Professional Advice From Pathway Insurance!
Home insurance policies contain many terms and conditions and restrictions of coverage and often those restrictions and exclusions come into play after a claim occurs!
The worst possible time to learn that a claim is not covered is after it has already happened!
We offer a homeowners coverage checklist that will help you discover common gaps and homeowners insurance coverage that can strike when you least expect, why not call us today to discuss your individual needs?
Quotes on Homeowners Insurance Cincinnati Are Available 24 Hours per Day Online!
For online rate quotes click Home insurance quotes and in five minutes or less you will be shown up to 10 different insurance quotes from top-rated companies.
Or call and speak with one of our representatives by calling 513-662-700 or 800-998-0662.
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