Home Insurance Is Essential for Your Marietta, OH, Property

Your home is your castle, but is it properly protected in case the worst happens? Home insurance was created to cover you in case of a fire, storm, vandalism, or theft. Otherwise, you’d have to pay for repairs or replacements out of your own pocket, which is prohibitive for most folks. This is why your mortgage lender probably requires home insurance.

What does home insurance cover?

• Your home’s structure in case it is damaged or destroyed
• The home’s contents, including furnishings, electronics, appliances, clothing, and personal items
• Liability if someone is hurt on your property
• Liability for you and the members of your household everywhere on earth
• Additional living expenses should you be forced to live elsewhere while your home is repaired or rebuilt

How can you get even more home insurance coverage? Be sure to let us know about valuables needing special scheduled coverage. Also, you can add earthquake or flood insurance, as typical home policies don’t cover those natural disasters. Finally, consider adding a personal umbrella policy for increased liability coverage, especially if you are a dog owner or high net worth individual.

Auto Insurance Is Required for Marietta, OH, Drivers

To register and operate a motor vehicle in Ohio, you must have at least the state’s minimum liability insurance:

• $25,000 for injury or death of one person
• $50,000 for injury or death of two or more people in an accident
• $25,000 for property damage in an accident

Liability insurance covers other people’s medical care or property damage reimbursement if you are at fault in an accident.

The numbers above are only Ohio’s minimum. You can always increase your liability coverage, such as if you have a teen driver at home. We also suggest getting full coverage auto insurance, which auto lenders require. It includes:

• Collision insurance to pay for repairs to your vehicle after a crash.
• Comprehensive insurance to protect your car or truck in the event of theft, vandalism, storms, or fire.

We Put the “Personal” in Personal Insurance

The agents at Jared Reynolds Insurance are known for their outstanding personalized service in Marietta, OH. We take the time to customize home and auto policies for you. And we can offer a wide array of insurance solutions because we partner with multiple carriers without being tied to one company with just a few options.

Start a personal insurance policy online now, or call us at 740-588-9090 to let us know how we can help you get the protection you need.

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