Ohio has had its share of tornados. Some years they come one after another, and other years the skies are relatively calm. Despite advances in technology, tornado warnings are still issued only minutes before the twister hits town. The best thing you can do when a warning is issued is to seek safety, but there are ways to protect your home and belongings before a tornado ever hits. You can purchase Ohio tornado insurance from an independent insurance agent in our network.
Unlike “captive” agents, independent agents have the ability to compare multiple policies and various Ohio tornado insurance quotes to find reliable coverage at an affordable price. Tornado coverage is generally included in your homeowner policy, but it’s essential to set the right coverage limits to get adequate protection. Contact an independent agent to get Ohio tornado insurance quotes and advice today.
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Recent Ohio Tornado Statistics
- Recently, there were 13 tornados.
- Last year, there were 37 tornados.
- During previous years, a total of 198 tornados touched down.
- Peak tornado season is April through July.
- Peak times occur between 2pm and 10pm.
Significant Ohio Tornados
- June 2010: An EF2 and EF3 tornado touched down in Lake Township. It severely damaged the high school there and caused severe EF4 damage in Millbury. The tornado destroyed 60 homes, killed 7 people and injured 30 people.
- November 2002: An EF4 tornado rolled through Van Wert, damaging 164 homes and 27 businesses with 43 homes and 5 businesses totally destroyed. 2 people were killed. The tornado was on the ground for over 50 miles.
- April 1999: Contrary to typical touchdown times, this tornado struck early at 5am. An EF4 struck south of Cincinnati, hitting Blue Ash and Montgomery. Over 100 homes and apartments were destroyed and 500 homes were damaged. 4 people were killed.
Do I Need Ohio Tornado Insurance?
Tornados are one of Mother Nature’s most destructive forces and it’s in a homeowner’s best interest to purchase protection. Tornado damage will generally be included in Coverage A of your homeowner policy. This is the portion of your policy that insures the structure of your home. When purchasing insurance, you’ll be asked whether you want to purchase Actual Cash Value (ACV) or Replacement Value coverage. ACV coverage is less expensive, but it only insures your home at market value, which fluctuates. If your home is destroyed by a tornado, you may not have enough coverage to restore your home to its former glory.
With Replacement Value coverage, your home has enough coverage to completely rebuild. But how do you know how much your house is worth? Get a professional appraisal, but keep in mind that it doesn’t include land value or your personal belongings. You’ll need to set appropriate coverage limits on your personal belongings to ensure replacement with items of equal value. Another policy to focus on is Coverage D or Loss of Use. This portion of your policy helps you pay for additional living expenses if your home becomes uninhabitable due to a covered loss, i.e. a tornado.
Protect Your Car with Ohio Tornado Insurance
Ohio only requires that residents carry a minimum amount of liability insurance, but that only pays for damage you cause to other vehicles and drivers. If a tornado destroys your car, you’ll have to pay out of pocket for damages or a brand new car. Comprehensive insurance pays for weather damage, but you’ll need to have the right amount of coverage to get reimbursement. You’ll also be required to meet your deductible, so make sure the deductible is set at a price you can afford.
Finding Ohio Tornado Insurance
An agent can help you analyze your current policies and make suggestions to close any potential coverage gaps, no matter which insurance company you use. An independent agent works with multiple companies and has access to a variety of resources.
Before the next tornado hits, contact an independent agent in your area, and make sure your Ohio tornado insurance is ready to help you rebuild.