Homeowners Insurance in Ohio: What It REALLY Covers (And What It Doesn't!)

Описание: 🛑 Don’t Buy a Homeowners Insurance Policy in Ohio Until You Watch This! 🏠

Most Ohio homeowners are often surprised by what their insurance doesn't cover, especially concerning homeowner's insurance. This video highlights essential home insurance tips and common insurance exclusions. Arm yourself with what you need to know about home insurance before it's too late!

In this video, Ryan Ingram—founder of Ingram Insurance —breaks down everything you need to know about Ohio homeowners insurance.. Whether you’re buying your first home or reviewing your current ohio homeowners policy, this full overview will help you understand what your home insurance actually covers—and just as importantly, what it doesn’t.

✅ What You’ll Learn in This Video:

✔️ What’s covered under a standard Ohio homeowners insurance policy
✔️ Common exclusions most homeowners don’t know about
✔️ Real-life examples of claims in Ohio—what gets paid and what doesn’t
✔️ The difference between replacement cost vs. actual cash value
✔️ How to avoid the biggest mistakes most homeowners make
✔️ Pro tips to make sure your home is fully protected without overpaying

🏡 Why This Matters for Ohio Homeowners

A lot of people assume their policy has them fully protected—until disaster strikes. From tornadoes to water backups to dog bites, this video walks you through the exact protections a standard home policy provides, and where you need to add more. We use real examples from across Ohio, so you can see how the coverage applies in your day-to-day life.

📝 What Does Homeowners Insurance in Ohio Cover?

Your dwelling (the structure of the home)

Detached structures like fences or garages

Personal property like clothing, electronics, and furniture

Loss of use if your home becomes unlivable

Liability coverage for injuries or accidents on your property

But—💥 here’s what it doesn’t cover without extra endorsements:

Flooding from heavy rain or sewer backup

Earthquake damage

Wear and tear or maintenance issues

Jewelry, art, and collectibles above policy limits

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