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Compare Home Insurance Quotes - Save on Your Insurance
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Homeowners in Ohio are saving money each year just by switching to the new Home Insurance Plans.

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We use smart AI to analyze insurance companies and coverage options, then match you with the ones that fit your needs — fast and clearly.

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Just a few quick questions and we show you insurers that make sense for your situation — not the ones paying the highest commissions.

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🛡️ What does a homeowners policy cover?

Standard homeowners insurance policies can vary based on your location, but they generally provide financial protection to repair or replace your property and belongings when covered events occur. Risks typically included in most policies include:

  • 🔐 Theft and vandalism of your property and belongings
  • 🔥 Fire and smoke damage, including damage to structure and contents
  • 💨 Windstorms and hail affecting roof, windows, and exterior
  • ⚡ Falling objects on your property, such as trees or branches
  • ❄️ Frozen plumbing damage when adequate heat is maintained
  • 💧 Water leaks from plumbing systems, water heaters, appliances, and heating or cooling systems
Note: Specific coverage can vary based on your location and policy type. Review your individual policy for complete details on what's covered.

⚠️ What does home insurance typically not cover?

It's important to understand which events and situations are generally excluded from standard homeowners insurance policies. These common exclusions include:

  • 🌊 Flooding from surface water or overflow of water bodies (requires separate flood policy)
  • 🌍 Earth movement, including earthquakes, landslides, and sinkholes (may require additional coverage)
  • 💼 Business activities or enterprises operated from the home (requires separate business insurance)
  • 🚰 Water or sewer backup from outside your property
  • 🔧 Normal wear and tear and maintenance issues that occur over time
  • 🏚️ Damage resulting from lack of maintenance or homeowner negligence
  • 🧊 Freezing of pipes when heat is not properly maintained in the property
  • 🏗️ Events that occur while the home is under construction, vacant, or unoccupied for extended periods
Note: Review your complete policy to see all specific exclusions. Some exclusions may have additional coverage available through endorsements or separate policies.

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Progressive
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