Protect Your Property—Wherever You Call Home
Flexible protection, built around you
Your home isn’t just where you live—it’s where life happens. Whether you own, rent, manage, or invest in property, we’re here to help you protect it. We offer a wide range of coverage options to match the kind of property you own and the risks you face.
From homeowners insurance to rental property policies and flood coverage, we help families & property owners across Ohio find dependable protection—without the guesswork.
What We Cover
Property Insurance Options We Offer
Homeowners Insurance
Covers your house, personal belongings & liability
Dwelling Fire Insurance
For non-owner-occupied homes or investment properties
Mobile / Manufactured Home Insurance
Specialized coverage for manufactured housing
Condominium Insurance
Protects your unit, interior, possessions & liability
Renters / Tenant Insurance
Covers your belongings & liability inside a rented space
Rental Property Insurance
Protects buildings you rent out to tenants
Vacant Property Insurance
Coverage for homes that are currently unoccupied
Flood Insurance
Offered separately through NFIP or private markets; protects against flood damage not covered by standard home policies
Who Needs Property Insurance?
First-time homeowners
Landlords with rental properties
Renters who want to protect their belongings
Condo owners responsible for interior walls & contents
Retirees with vacation homes or seasonal cabins
Farmers who live on or lease out rural property
Homeowners in flood-prone areas
If you own or live in a property, there’s a policy for you—and we’ll help you find the right one.
Standard Policies May Include:
Dwelling coverage
Protects the structure itself (home, roof, attached garage)
Personal property
Covers your belongings (furniture, electronics, clothing)
Liability protection
Covers injuries or damages you’re legally responsible for
Loss of use
Pays for temporary housing if your home becomes unlivable
Other structures
Sheds, detached garages, fences, etc.
We can tailor coverage to include things like jewelry, collectibles, backup of sewer & drain, or higher liability limits when needed.
Customize Your Policy
Ask us about:
01
Scheduled personal property (for valuables like guns, jewelry, antiques)
02
Water backup & sump pump coverage
03
Identity theft coverage
04
Flood or earthquake add-ons
Local Agents. Real Options. Better Service.
We’re not tied to just one company. We’ll compare policies from top regional & national carriers like Nationwide and Ohio Mutual to find the best fit for your property, location & budget.
We also know the unique needs of Ohio and Indiana homes—from hailstorms & heavy snow to older homes, mobile units & rural properties. You’ll get recommendations that make sense for where you live.
Property Insurance FAQs
What does homeowners insurance cover?
A standard homeowners policy usually covers the structure, your belongings, liability protection, and additional living expenses if you can't live in your home after a covered loss. You can also add extras like equipment breakdown or water backup.
Do I need flood insurance in Ohio?
If you live in a high-risk flood zone, your lender may require it. But even if you're not in a floodplain, flood insurance can still be worth it. Standard homeowners insurance does not cover flood damage.
Is renters insurance really necessary?
Yes—your landlord’s policy won’t cover your personal belongings or liability. Renters insurance is usually very affordable and protects your stuff from fire, theft, and more.
I have a home I rent out—can I use a regular homeowners policy?
No. If you're not living in the home, you'll need a landlord or rental property policy (often called dwelling fire). We can help you get the right coverage depending on how you use the property.
Can I get insurance on a vacant home?
Yes. Vacant homes need a special policy since they carry different risks (like vandalism or undetected damage). We'll help you find coverage that meets those needs.
What if I have a mobile or manufactured home?
You’ll need a mobile home policy, which is a bit different from traditional homeowners insurance. It usually covers the dwelling, personal property, and liability—customized to fit mobile home construction and usage.
Can I insure an older home or one with a unique setup?
Definitely. We regularly help customers with older homes, rural properties, and unique situations. We'll ask a few extra questions to make sure you're fully protected.
Talk to a Local Agent Today
Need help figuring out what kind of policy you need—or whether you’re already covered enough? Call, visit, or send us a quick message. We’re here to make it easy.
