Coverage
Every policy starts with the same six parts. The rest is built around your house, your neighborhood, and what you'd hate to lose.
The standard policy
The structure itself — roof, walls, foundation, built-in appliances. Set to replacement cost, not market value.
Detached garages, fences, sheds — common on Cleveland lots and usually 10% of the dwelling limit.
Furniture, electronics, clothing — what's inside. We'll talk through replacement-cost vs. actual-cash-value.
Hotel and living costs if a covered loss forces you out while repairs happen.
If someone is hurt on your property or you damage someone else's, this pays legal and settlement costs.
Smaller medical bills for guests injured at your home, paid without a liability claim.
Beyond the standard policy
01
Standard homeowners policies exclude flooding. Along the Cuyahoga, Rocky River, and the lakefront, basement backups and rising water are a when, not an if. Flood coverage is written separately and we quote it alongside your home policy.
02
Northeast Ohio sits near the Lake Erie seismic zone; Lake County has recorded quakes over magnitude 4. Earthquake damage is excluded from a base policy. The endorsement is inexpensive for masonry-heavy older homes.
03
Shaker Heights colonials, Bratenahl lakefront, Hunting Valley estates: a standard form under-insures custom millwork, slate roofs and fine art. We write higher dwelling limits and scheduled personal property so a loss is paid in full.
04
Cleveland doubles and up-and-downs are landlord territory. A homeowners policy won't cover a tenant-occupied unit; a landlord (dwelling fire) policy will, including lost rent after a covered loss.
Start the two-minute quote and an agent will recommend the add-ons that actually apply to your street.
