Homeowner and Property Insurance for Northeast Ohio
Joe Potts Insurance Agency can work to protect your property as a homeowner in Cleveland, as well as surrounding areas in Cuyahoga County. We can help you get a homeowner’s insurance policy to cover your specific needs, and our dedicated agents will work with a variety of different insurance carriers to find the policy that is right for you and your family. Homeowner’s insurance is often required by most mortgage lenders. We make sure you get the right one that protects you and your family from the heavy financial losses due to accident or disaster. Keep your peace of mind and let us handle the process of finding the right homeowner’s policy for you. Call us today at 216-251-7374 to get a quote.
Homeowner’s Insurance Coverage Options Include:
- Dwelling Coverage: Dwelling coverage provides compensation for damages to the physical home and its attached structures caused by fire, wind, hail, lightning, smoke, vandalism and more.
- Personal Belongings Coverage: Personal belongings coverage provides compensation for damages to your personal items caused by fire, smoke, theft, vandalism and more.
- Liability: Liability insurance covers bodily injury and property damage someone else may suffer on your property. This can also extend to injuries and damages caused by your children and pets, even off of the property.
- Additional Living Expenses: Additional living expenses (ALE) help with the cost of temporarily moving if the home is rendered uninhabitable by a disaster.
Renter’s Insurance
Your temporary residence will be protected with the right insurance policy. The right insurance policy is needed when you rent to make sure that your possessions, and potential liability is covered in case of an accident, storm, fire, or other unexpected accidents. Renter’s Insurance will cover you with the following:
- Possessions insurance
- Liability insurance
- Additional living expense protection
These plans can be further tailored with specialized benefits like:
- Scheduled items riders
- Replacement cost value possessions coverage
- Umbrella liability insurance
- Flood insurance
- Earthquake and windstorm endorsements
- Pet liability insurance
Condo Insurance
Condo insurance is a bit different from homeowner’s insurance. This type of policy adds additional protection for liability that is often approved by the condo/co-op board. Condo Insurance an help cover the following:
- Possessions
- Gap Insurance
- Liability
- Walls and Floor Coverings
- Coverage for Improvements and Upgrades