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Flexible Homeowners Insurance Coverage

Protecting your home is essential, and at Firelands Insurance Agency in Sandusky, OH, we offer comprehensive homeowners insurance tailored to your needs. Whether you own a house, rent an apartment, or live in a condominium, our experienced agents are here to help you find the right coverage at the best rates. Since 1959, our family-owned agency has been committed to providing friendly, personalized service that makes our clients feel like part of our family. We understand the value of your home and are dedicated to helping you protect it. Give us a call at (419) 626-5580 for a FREE insurance quote.

Property Insurance Products

Your home is one of your most significant investments. With our tailored homeowners insurance policies, you can rest assured that your property and belongings are safeguarded against unexpected events. Our coverage options extend beyond standard home insurance, offering protection for renters, condominiums, and apartments as well.

Homeowners Insurance: Covers your home’s structure, personal belongings, liability, and more.

Renters Insurance: Protects your personal property and provides liability coverage for rented apartments and homes.

Condominium Insurance: Provides specialized coverage for your condo unit and personal belongings.

Is Homeowners Insurance Required in Ohio?

While Ohio law does not mandate homeowners insurance, most mortgage lenders require it as a condition of your loan. Even without a mortgage, homeowners insurance is crucial for protecting your home and personal assets from damage, theft, and liability.

Ohio Home Insurance Coverage

Homeowners insurance in Ohio typically covers:

Dwelling Coverage: Protects the structure of your home against perils like fire, wind, and hail.

Personal Property Coverage: Covers your belongings inside the home, such as furniture, electronics, and clothing.

Liability Protection: Provides coverage if someone is injured on your property or if you accidentally cause damage to someone else’s property.

Additional Living Expenses: Pays for temporary living expenses if your home is uninhabitable due to a covered loss.

Renters Insurance

Renters insurance is essential for anyone living in a rented home or apartment. While your landlord’s insurance covers the building, it doesn’t protect your personal belongings or provide liability coverage if someone is injured in your space. Renters insurance fills this gap, safeguarding your possessions against theft, fire, and other unexpected events. It also offers peace of mind by covering legal expenses if you’re held responsible for damage or injuries. Affordable and crucial, renters insurance ensures that even in a rental, your assets and financial security are protected.

Contact us today to discuss your homeowner’s insurance needs and get a free quote. Let Firelands Insurance Agency help you protect your home and everything in it with the coverage you deserve.

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