Cincinnati homeowners insurance
Cincinnati homeowner insurance

Homeowners Insurance

Homeowners Insurance Done Right

Dabbelt Insurance Agency is committed to helping you secure the coverage you need on your home. Your home is one of the biggest investments of your lifetime if not the biggest. It is critical that the correct coverage is there when you need it. You don’t want to find out that your “bottom dollar” policy didn’t protect you.

We offer all varieties of comprehensive homeowner policies. These policies are suited to your needs and budget. Dabbelt Insurance works with several reputable insurance providers such as Metlife and Progressive to ensure that you’re receiving the best service possible. So we don’t work for an insurance company - we work for you.

The homeowners policy is a package of property and liability coverage that can be tailored with optional and/or additional coverage to fit your unique needs.

Basic Homeowners Insurance: Details of Coverage & Definitions

Dwelling: The structure of the house & attachments to the house (a garage, breezeway, porch, deck, balcony, etc.)

Other Structures: Structures that are separate from the house. Examples are garages, storage sheds, gazebos, etc.

Personal Property: The contents of your house. Personal clothing, your furniture & appliances, etc. are considered your personal property.

Loss of Use: This coverage applies when your house becomes unlivable due to a covered loss (fire, tornado, etc.). This coverage pays the reasonable cost to live elsewhere while your house is being repaired or re-built.

Personal Liability: This coverage protects you if another person is injured on your property and it is deemed to be your fault. This coverage also protects you if you damage someone else’s property & it is deemed to be your fault.

Medical Payments: This coverage pays for the medical costs of others if they are injured on your property no matter who is at fault. This coverage does not apply to you or members of your household.

Limited List of Optional Coverages for Homeowners Insurance
(available for an additional charge)

  • Guaranteed home replacement
  • Personal property replacement
  • Back-up of sewer or drain
  • Earthquake
  • Scheduled personal property (jewelry, silverware, musical instruments, furs, guns, artwork, collectibles, etc.)
  • Personal injury

Limited List of Homeowner Discounts

  • Multi-policy – insuring your home & auto in the same company through our agency
  • Protective devices – smoke detectors, deadbolt locks, fire extinguishers
  • Premises alarms – central station alarm system
  • Deductible credits – by choosing a higher deductible, you can reduce your annual premium

home insurance

homeowners insurance

home insurance Cincinnati

cincinnati homeowners insurance

insurance for a mobile home