Homeowners Insurance in Shaker Heights, OH

Experts explore home insurance coverage, companies, and more in Shaker Heights, OH.

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.

A Large Tudor Style Home. Shaker Heights, Ohio Homeowners Insurance.

Shaker Heights, Ohio has roughly 29,000 residents and counting. If you own a home here, you'll need the proper protection against some of life's most catastrophic events. Fortunately, you don't have to know everything about insurance to get adequate coverage.

A Shaker Heights, Ohio independent insurance agent reviews your policy for free. They find you the best carrier for your circumstances and present you with an option that works. Consult with a licensed adviser to get started in minutes.

What Is Homeowners Insurance?

The right homeowners insurance in Shaker Heights, Ohio will make all the difference. Your home policy will protect your household from property damage and liability exposures you may be unable to avoid. Without proper coverage, you'll be on the hook for the expenses.

What Does Homeowners Insurance Cover in Shaker Heights, Ohio?

Each homeowners insurance policy will have coverage based on the household limits needed. Below are the primary home insurance options on your Shaker Heights, Ohio policy:

  • Personal property: Pays for the replacement or repair of your personal belongings.
  • Medical payments: Pays for the first $1,000 - $10,000 of medical expenses when a third party gets injured on your property.
  • Dwelling limit: Pays for replacing or repairing your home when a covered claim occurs.
  • Personal liability: Pays for bodily injury, property damage, libel, or slander claims against a household member.
  • Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 

To get coverage for flooding, you'll need a separate policy. For proper protection, flood insurance must be purchased through a FEMA-approved carrier.

Common Disasters Homeowners Insurance Covers in Shaker Heights, Ohio

Major disasters are covered under every Shaker Heights, Ohio homeowners policy. Below are some of the most common catastrophes you'll have coverage for under your home insurance:

  • Fire
  • Lightning
  • Theft and vandalism
  • Wind
  • Hail
  • Severe storms

Shaker Heights' weather-related statistics:

The number of natural disasters in Shaker Heights: 16

Major presidentially declared disasters in Shaker Heights: 12

Emergencies declared in Shaker Heights: 3

Let's look at the top three causes in Shaker Heights:

Storms: 9 declared as a disaster

Floods: 8 declared as a disaster

Tornadoes: 7 declared as a disaster

How Much Does Homeowners Insurance Cost in Shaker Heights, Ohio?

Your Shaker Heights, Ohio homeowners insurance costs will vary depending on your needs and individual exposures. While you can't know your exact premiums without quotes, you can understand what risk factors the carriers use to rate your home coverage:

  • How close you are to a fire department
  • How close you are to a fire hydrant
  • How new your house is
  • Your credit score
  • If you have a pool, trampoline, or pet
  • Where you live
  • How many claims you've filed
  • The materials of your home
  • The square footage of your home
  • The cost to replace your home

Cheap Homeowners Insurance Near Me

You'll need to be proactive to get cheap homeowners insurance in Shaker Heights, Ohio. First, check out the averages below:

The average home insurance premium:

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

When you bundle all of your policies with the same insurance company, you can see savings of 30% or more. You will qualify for deep discounts if you have good credit, updated safety features, and no prior claims. 

What Are the Best Homeowners Insurance Companies in Shaker Heights, Ohio?

When searching for the right Shaker Heights, Ohio home insurance, the right carrier is necessary. These are some of the best companies in the state:

Best Homeowners Insurance Companies In Shaker Heights, Ohio Star Rating
5 star rating
5 star rating
4.5/5 star rating

The above companies are highly rated due to their superior coverage offerings and customer service. Contact a licensed adviser for free to obtain quotes through these and many other insurance companies.

How a Local Agent Can Help Find Homeowners Insurance in Shaker Heights, Ohio

If you're looking for home coverage that protects your assets, then you'll need the right policy. With several limits and carrier options, it can be challenging to understand what your household may need. Fortunately, a trusted adviser can help you decipher what's best for your property for free.

A Shaker Heights, Ohio independent insurance agent will quote your home coverage through multiple markets. They do the shopping while you relax and get presented with a suitable plan. Connect with a local expert to get started in minutes.

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