Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Homeowners Insurance in Cleveland OH, Lakewood OH and Fairview Park OH
Your Local Home Insurance Provider in Ohio
Protecting your home is one of the most important steps of becoming a homeowner. That is why it is crucial for you to find a home insurance policy perfect for your coverage needs and your budget. As an independent agency, Joe Potts Insurance Agency LLC has access to several top carriers. Our dedicated agents will do the hard work in comparing quotes and policies so you don’t sacrifice coverage for your budget.
What Does Homeowners Insurance Cover?
A basic home insurance policy from Joe Potts Insurance Agency LLC may include:
Dwelling Coverage: Dwelling coverage provides compensation for damages to the physical home and its attached structures caused by fire, wind, hail, lightning, smoke, vandalism and more.
Personal Belongings Coverage: Personal belongings coverage provides compensation for damages to your personal items caused by fire, smoke, theft, vandalism and more.
Liability: Liability insurance covers bodily injury and property damage someone else may suffer on your property. This can also extend to injuries and damages caused by your children and pets, even off of the property.
Additional Living Expenses: Additional living expenses (ALE) help with the cost of temporarily moving if the home is rendered uninhabitable by a disaster.
How Much Home Insurance Coverage Do You Need?
Every homeowners’ insurance needs are different. In general, it is recommended that you carry enough home insurance to cover the total replacement cost value of your home. Total replacement cost value is not necessarily the same as how much you paid for the home or its market value. Instead, the total replacement cost value is how much it would cost to completely rebuild the home after a disaster, including material and building costs.
Connect with a Joe Potts Insurance Agency LLC agent to discuss how much insurance you need to properly protect your home.
Protect your home with a reliable homeowners insurance policy. Speak with a kind agent from Joe Potts Insurance Agency LLC at
or fill out an to get started today.
Common Home Insurance Questions
Is Homeowners Insurance Necessary?
Home insurance isn’t generally required by state or federal law, but it is required by most mortgage lenders. Even without a requirement, home insurance can protect you and your family from heavy financial loss after an accident or disaster.
Is Homeowners Insurance Based on Property Value?
Homeowners insurance premiums are primarily based on your home’s insured value and your coverage limits. This insurance generally only covers the physical home and its attached structures rather than the property on which your home sits.
Is Hazard Insurance the Same as Homeowners Insurance?
Hazard insurance relates to dwelling coverage, as it only covers the structure of your home. This term is commonly used by mortgage lenders.
How Much Should Homeowners Insurance Cost a Year?
The cost of homeowners insurance varies depending on your location, coverage limits, the value of your home, claims history, credit score and more. Fill out an to find out how much you can save on home insurance today.
What Should I Look for When Buying Homeowners Insurance?
It is important to look for a policy based on the coverage offered and the price of insurance. Call us at to discuss your home insurance options.
We thank you for considering Joe Potts Insurance Agency LLC, for your life-long home and property insurance needs. Call us at or come on down to our office in Cleveland, Ohio today to get started today!