4 Reasons Why Ohio Homeowners Should Look Over Their Insurance Policies

Preferred Insurance Center serves the Coldwater, OH community. We are passionate about helping our clients obtain the necessary coverage to protect their assets. We look at our clients as members of our family. We will go the extra mile to ensure their needs are met. We provide flexible coverage options.

4 Reasons Why Ohio Homeowners Should Look Over Their Home Insurance Policies

Your Coldwater, OH residence is one of your most prized possessions. Home insurance allows you to protect your investment. The policy covers potential damages to the interior and exterior of your home caused by severe weather or an accidental fire. Your possessions inside the house are covered if they are damaged or stolen. Liability coverage protects you if you invite a guest to your home, and they suffer an injury, or you accidentally damage your neighbor’s property. Here are a few reasons why you should look over your policy closely to avoid potential issues.

Water Damage/Flood Damage

While looking over your home insurance policy, remember that there is a difference between water damage and flood damage. Water damage may occur when one of your pipes bursts, causing damage. Flood damage occurs when a body of water has damaged multiple areas of land. You’ll have to amend your policy to cover any flood damage to your home.

Luxury Items

If you have any rare possessions at your home, such as classic paintings, you can add extra coverage to cover those items if they are fully damaged or stolen.


You must perform proper maintenance on your home. If issues such as mold or termite damage develop due to poor care, you will not be protected.

Alternative Living Coverage

Alternative Living Coverage gives you a safety net if you temporarily stay somewhere else while your home is repaired.

Preferred Insurance Center Will Help You Protect Your Assets

Contact us today to learn more information about home insurance.