Looking for Homeowners Insurance in Springboro?

If you’re like most homeowners in Springboro, your home is your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

homeowners insurance Springboro OH

Regardless of whether you live in Springboro or any other part of Ohio, homeowners insurance is one of the most important insurance policies you could ever own.

It’s important to understand that no two homeowners insurance policies are created equal. Different insurance companies offer different levels of coverage.

Note: if you are looking for homeowners insurance for a rental property, or home that is un-occupied, you cannot use traditional homeowners insurance. You need a "specialty dwelling" policy.

Springboro Homeowners Insurance

If you’re not using an independent agent in Springboro like us, it can be impossible to tell the difference between two homeowners insurance policies.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. This will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you. This could be a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Common Homeowners Insurance Coverages

These are some common coverages you typically see on a policy:


  • this is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand. We'll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Other Structures

  • this will cover any structure on your property that is not permanently attached to your house. For example, fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property

  • this covers all of your personal belongings.  If you tipped your house upside down anything that would falls out is your personal property.

Loss of Use

  • this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

Medical Expense

  • this covers medical expenses for guests if they are injured on your property. For example, one of your guests trips and falls while leaving your house. This is covered under medical expense. In certain cases, this covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability

  •  Personal Liability Coverage applies when someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own.  Personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property

  • there are some situations where you might want special coverage for valuables. These may include collectibles like jewelry, guns, an art collection, rugs, etc..

Get started with your homeowners quote:

Every home is unique, and requires a crafted policy.

If you’d like us to review your current policy and provide you with no obligation quotes, call our office, enter some basic information in the fields below to get started online. Either way, we make the process super simple!

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