Getting your Ohio homeowners insurance just right is a tricky balancing act. On the one hand, you need to have enough coverage to make sure that your home is adequately protected, and for that matter, many areas have legal minimums of coverage that have to be met just to be in compliance with the law. On the other hand, you want to save as much money as you can so you can pay down your home faster, be ready for deductibles when things do happen, or just to save up for a vacation you probably needed months ago. Keep reading to learn a bit about all of this.
There are times when the neighborhood around you might change in various ways that bring down the costs involved with your homeowner’s insurance. Things such as fire hydrants or new fire stations might result in you having lower rates. Watch your community for developments like these and let your insurance company know about them.
Make sure that you document your belongings with videos, notes, and photographs. You’ll need this documentation to establish the possession and value of this personal property. Having said that, this documentation should be stored off-site in a secure location.Read more