Why do I Need Homeowners Insurance?

A standard homeowners insurance policy generally insures your home's structure (house,) and your tangible belongings in the event of a destructive occurrence, such as a fire or windstorm.

In addition, homeowners insurance policies generally include coverage for your personal liability—that is, legal responsibility—for any injuries and property damage to others caused by you or members of your family (including your household pets), unless they are specifically excluded from the policy.

Do You

Have a Trampoline on your property? Does your insurance protect you for this added exposure?
Have a Pool on your property? Is it covered?
Have a business in your home? Do you have the right coverage in place for this?

Is Your

Basement finished? Do you have the right coverage? Is it enough coverage?
Personal Home Liability enough? Is it more than your home is worth?

We can help you find the best coverage options for your personal needs. We offer many options beyond standard coverage. If you need any help with the above questions - call us at 513-527-2200. Or view the FAQ’s below.

“This agency treats me like family, we have been customers for 19 years. Tracy and Tawnia have gone above and beyond to help with our claims and numerous questions. They have watched our 4 children grow up and have advised them and guided them through the wild insurance maze for cars, apartments, and one day we hope a home.
I have had the pleasure to witness Tracy and Tawnia treat many of their customers like family, so I know I am not special in that regard. I know first hand every customer of Hometown Insurance is family to Tracy and Tawnia”

— Robin S.

Homeowner Insurance FAQ’s

Question #1

Am I required to have homeowners insurance if I own a home?

Unlike driving a car, you can legally own a home without homeowners insurance. However, if you finance your home with a mortgage, your lender most likely will require you to have home insurance coverage to protect your home in case of damage cause by unforeseen circumstances, such as fires or natural disasters.

Question #2

Why should I complete a home inventory?

When you purchase a home and a homeowners insurance policy, you should create an up-to-date home inventory to expedite a claim settlement if you ever need to make one. With a complete home inventory, your insurance company can verify property easier, which makes settling your claim easier. Plus, you can easily verify losses for your income tax return with an updated home inventory.