Ohio is one of a growing number of states where homeowner insurance companies are working to help those who are the victims of identity theft.
Residents of Ohio can actually apply for and receive identity theft coverage as part of their homeowner's insurance policy.
For those looking for affordable insurance in Ohio they may think this type of coverage is beyond their budget, but it's actually very reasonably priced.
There are other ways to find affordable homeowner's insurance in Ohio including: oTaking out a policy that provides limited medical coverage.
Medical coverage is in place in a property owner's insurance policy to provide payments to someone who gets injured while on your property.
This could happen because they slip and fall, or your dog decides to bite them.
The minimum is $1,000 coverage and if you are comfortable with that, you'll save on premiums.
oForgoing flood insurance.
Most standard homeowner's policies don't cover flood damage and if you want this type of coverage, be prepared to pay higher premiums.
In most cases, a homeowner can bypass this coverage without worry.
oInstalling smoke detectors in the home.
This is a great way to get a discount on homeowner's insurance as well as keep you and your family safer.
A good rule of thumb is to change the batteries in the smoke detectors at least twice a year and to test them each month.
oTry not to make small claims.
If you suffer some hail or wind damage to your roof and it won't cost much to repair, consider paying out of pocket for it.
Once you make a claim on your homeowner's insurance policy you may notice that your rates will rise.
Companies you contact in the future for a quote may also charge you more.
It's never advisable to go without homeowner's insurance.
Fire and theft can occur at anytime and if you don't have adequate coverage, you'll end up having to pay for all the replacement costs yourself.