How to Get the Best Rates on Homeowner’s Insurance in Ohio

People who live in Ohio know that they are part of what is considered to be tornado alley. With over fifteen tornadoes a year on average, people in this state understand the importance of having a good homeowner’s insurance policy in place.

Finding the best rates on homeowner’s insurance in Ohio isn’t difficult as long as you know what to look for when shopping for a policy. First and foremost you should know the value of your property as well as the estimated worth of your possessions. You don’t want to pay extra to insure more than you have, so buy enough coverage so that you could replace what you do own if it should be lost in a fire or if you are the victim of a home robbery.

Ask about any discounts you may be eligible for if you buy more than one type of insurance policy from one company. More and more insurance companies are now offering several types of coverage including home, life, health and car. You may qualify for a multi-policy discount by choosing just one company for all your insurance needs. Some companies are offering a percentage deduction on every policy an individual purchases from them. It’s easy to see how quickly that can add up to a substantial savings.

Another way to save money on home insurance is to ensure that your policy doesn’t provide coverage for your land. Land doesn’t need insurance, yet many insurance companies that provide property protection automatically include it in the policy cost.

Not having any smokers in the home has both health benefits as well as insurance benefits. Some insurers will offer a rate reduction if everyone who lives on the property is a non-smoker. This is because they view it as less risky in terms of a house fire. Mention this fact to any agents you contact in pursuit of a homeowner’s insurance quote.