Home Insurance

A part of the dream of many Americans is to be able to own your own property. This is an expensive dream and one that will likely hold the majority of your assets. With real estate prices constantly on the rise, even property in questionable areas are now valued higher than property in nicer areas used to be. Because of this, one small kitchen mishap can result in financial ruin. Homeowner’s Insurance can keep you from having to start from zero. The professionals of Overhead Capital LTD can help keep you safe from that fate.

Ohio Home Insurance Requirements

Unlike auto insurance, the state of Ohio does not require insurance coverage for a fully-owned home. However, if there is a mortgage on the property, insurance is required for the life of the loan. Additionally, homeowner’s associations or owners of a complex may require homeowner’s insurance in the lease to agree to live in this area.

Home Insurance Protections

Similar to auto insurance, homeowner’s insurance can have various levels of protection to fit your needs. Basic options can include:


This coverage pertains to the actual structure, fixed (built-in) appliances, and flooring of your home.


This coverage pertains to the personal property collected within your home, such as clothing, furniture, and other possessions.

Personal liability

This coverage pertains to accidents that result in damage to someone else or their property while in your home should you be sued.

Medical payments to others

This coverage pertains to another who is injured on your property without going through the process of a suit.

If you are looking into buying a home, be sure that you keep you and your property protected with a great home insurance policy. Please contact the professionals at Overhead Capital LTD, today, to learn how we can protect you!

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