Home insurance,covers private residential homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use, or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. It requires that at least one of the named insureds occupies the home.
Rutherford Insurance Agency is very familiar with the homes in the Harrison, Ohio area as well as homes throughout Greater Cincinnati, and Northern, Kentucky. We offer a variety of comprehensive homeowners insurance policies to choose from and we can tailor a plan to suit your individual needs and budget.
Your homeowners policy offers several discounts. Some of these include:
Multi-Policy – By insuring your auto and home with the same company you will receive a discount on your auto premium as well as your homeowners insurance premium.
New Home – Receive a discount if you live in a new home.
Premises Alarms – This discount is applies if you have smoke detectors installed in your home or security alarms.
Renters Insurance is an insurance policy which provides most of the benefits of home insurance, with one notable exception. Renters Insurance does not include coverage for the dwelling, or structure, with the exception of small alterations a tenant may make to the structure. This way the tenant has liability insurance and the tenant's personal property is covered against named perils such as fire, theft, and vandalism. The owner of the building is responsible for insuring it, but has no responsibility for the tenant's belongings.
Misconceptions About Renters Insurance
Some people think that they don't need insurance because their property isn't valuable enough to insure. Renters insurance almost always includes replacement coverage, which means even if you have items that are fifteen years old, a loss would result in your getting an amount of money sufficient to replace it with items with today's reasonable equivalent. Insurance is not designed to upgrade your property, but to make you whole again and return you to essentially the same financial condition you were in before the loss.
Cost of Renters Insurance
Renters insurance in Harrison, Ohio and throughout Cincinnati and Northern, Kentucky generally costs between $175 and $275 a year depending on the amount of insurance that you need. Even a small theft loss can financially ruin a family or an individual. A total fire loss can run tens of thousands of dollars in damage liability as well as tens of thousands of dollars in replacing personal property. Many times on the news in Cincinnati we hear of individuals that have lost everything they owned due to an apartment fire. You can't afford to go without renters insurance!
Rutherford Insurance also offers condominium owners policies. Our agents will work with you individually to make sure you are sufficiently covered according to your condo association’s requirements.
When you own a condominium, you are responsible for what's inside your condo. That's why having a personal condo insurance policy is important. Condo associations have an insurance policy that cover the property, common areas and physical structure of your building. These policies do not cover your personal property or your legal responsibility to others, and they may not cover improvements or any customization to your unit.
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