Akron Homeowners Insurance

(Why your policy needs a trusted adviser)

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for TrustedChoice.com on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Akron Ohio homeowners insurance

Akron, OH, is nicknamed "The Rubber Capital of the World" and is home to The Goodyear Tire & Rubber Company. This town has a long-standing reputation in manufacturing.

If you own a home in the 197,846 resident city of Akron, then you'll want proper protection. A home policy can be found through an independent insurance agent. Connect with a local agent today to get started. 

How to Protect Your Akron, OH, Home from Disaster

Akron, OH, has its share of natural disasters and catastrophic events. When you're shopping for coverage, make sure the policy will insure common exposures. Let's look at the facts:

  • Major disasters declared by a president of the US: 7
  • States of emergency declared: 3
  • The number of natural disasters on average: 10

The Most Common Natural Disasters in Akron: 

  1. Storms
  2. Tornadoes
  3. Floods
  4. Winds
  5. Blizzards

Your personal finances could be at risk when you're not adequately insured. Every policy should have coverage for the above exposures, excluding floods. Flood insurance is a separate policy altogether. Speak with your Akron independent agent to have the right home insurance.

What about Flood Insurance in Akron, OH

Not all insured's are aware that flood damage is excluded from their homeowners policy. Most of the time it's too late, and they're standing in an inch of water. Make sure you connect with a knowledgeable adviser who can explain protection for every exposure. An agent can help you choose the right flood insurance for your property: 

Step #1: Connect with an independent insurance agent in Akron

Step #2: Have the agent pull the elevation certificate to find the flood zone for your property

Step #3: Have your agent quote flood insurance with FEMA-approved carriers

Step #4: Purchase flood insurance through your independent agent.

Whether you live in a house close to a body of water or in a high-rise condo, flooding is a possibility for everyone. Speak with your local independent agent to get the policy that's right for you. 


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The Price of Homeowners Insurance for Your Akron, OH, Home

Your homeowners insurance policy is important. Naturally, you want the most coverage for the best price. Every policy is different according to your home and personal data. If you know the averages, you can better determine where your home premiums stand:

  • National average: $1,211
  • Ohio average: $862

When you're trying to find a low rate for your home policy, speak with your agent about bundling. If you bundle your home and auto insurance, you qualify for a huge discount. Talk with your Akron agent about more cost-saving techniques. 

Burglaries in Akron, OH, and the Impact on Your Home Policy

Akron, OH, has a higher than average burglary rate per 100,000 households. Carriers use the local crime rate to determine the cost of your home insurance premiums. 

The number of burglaries per 100,000 homes:

  • National average:376
  • Ohio average: 412.2
  • Akron average: 880.2

You need to feel safe in your home. When you're the victim of a burglary, you'll want coverage to apply. Most home insurance policies will replace or repair any stolen belongings. Contact an Akron independent agent to see how local crime impacts your premium.

Other Liability Insurance Options in Akron, OH

Your Akron, OH, home policy will automatically include liability insurance. Liability will protect members of your household from a lawsuit. Let's look at how coverage would apply:

  • It protects your financial assets if you are legally responsible for damage or injury to another person or property
  • It protects other household members who are legally responsible for damage or injury to another person or property.

Another form of liability coverage:

Umbrella insurance will provide coverage above and beyond your underlying home insurance policy. It extends an additional limit starting at $1,000,000 and goes up from there. Speak with your independent insurance agent about liability coverage options for your home. 

Find an Independent Agent in Akron, OH

Akron, OH, has an independent insurance agent who can help find a home policy for your situation. They work with several carriers, giving you the best coverage and rate options. 

When you're unsure of where to begin, go to TrustedChoice.com. They have a find-an-agent tool that can match you with a local expert in minutes. 

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