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home insurance in cincinnati
Home Insurance in Cincinnati its Far More Complicated than the Price We Pay For It. ™
Call 513-662-7000 to speak with the home insurance experts. We can help you choose the best
policy for your individual needs.
Visit our website http://www.win-homeinsurance.com/ for more information.
How Homeowners Insurance Helps Us?
If you own a home, condominium, or rent an apartment you can be covered by a homeowners
insurance policy form.
Technically speaking there are six different versions of a homeowner's insurance policy.
A homeowner's insurance policy (depending upon the specific policy form) protects the home
itself, detached structures on your property, your personal property, and can even provide money
to cover extra expenses while your home is being repaired or rebuilt.
Additionally a Homeowners insurance policy can provide liability protection against claims or
lawsuits involving damages from bodily injury or property damage.
Your homeowner's insurance policy can also cover medical payments to others.
What is the most common Homeowners Insurance Policy?
The HO3 is the most common policy purchased by consumers. Is this particular home insurance
policy the best for your circumstances?
It depends on your individual insurance needs.
The biggest disadvantage with the HO3 homeowner's insurance policy is that your personal
property (Coverage C) is only covered if the direct physical loss is caused by one of 16 different
Some companies may only insure against 15 named perils.
So in other words if something happens to your personal contents of your home and it is not listed
in one of the named perils it will not be covered.
Please note common perils covered under the HO3.
We cover direct physical loss to property insured under Coverage C – Personal Property caused
1. Fire or Lightning
2. Windstorm or Hail
This does not include loss:
Caused directly or indirectly by frost, cold weather, ice other than hail, snow or sleet whether
driven by wind or not; b. to property in a building caused by rain, snow, sand, sleet or dust unless
the building is first damaged by the direct force of wind or hail, creating an opening through which
the rain, snow, sand, sleet or dust enters; or c. to watercraft and their trailers, furnishings,
equipment and motors unless inside a fully enclosed building.
4. Riot or Civil Commotion
5. Aircraft, including self-propelled missiles and spacecraft.
6. Vehicles, meaning impact by a vehicle.
7. Smoke, if the loss is sudden and accidental. This peril does not apply to loss caused by smoke
from agricultural smudging or industrial operations.
8. Vandalism or Malicious Mischief
9. Theft or attempted theft, including loss of property from a known place if it is likely that a theft
This peril does not apply to theft: (1) committed by an insured person or by any other person
residing on the insured premises. (2) in or from a dwelling under construction or of construction
material and supplies until completed and occupied. (3) from that part of a residence premises
rented by an insured person to other than an insured person. b. This peril does not apply away
from the residence premises to theft of: (1) property while in any other dwelling or its premises
owned, rented or occupied by an insured person except while an insured person is temporarily
residing there. Property of an insured person who is a student is covered at a residence away
from home if the student has been there any time during the 45 days immediately before the loss.
(2) watercraft, including its furnishing, equipment and outboard motors. (3) trailers and campers.
10. Falling Objects
This peril does not apply to loss to property within a building unless the falling object first
damages the exterior of the building. We do not cover damage to the falling object.
11. Weight of ice, snow or sleet which damages property in the building.
12. Sudden and accidental tearing apart, cracking, burning, bursting or bulging of a steam or
water heating system, air conditioning system or automatic fire protection sprinkler system or a
This peril does not apply to loss to the system, or water heater, or loss which is caused by or
results from freezing.
13. Sudden and accidental discharge or overflow of water or steam from within a plumbing,
heating, air conditioning or automatic fire protection sprinkler system, waterbed, water heater,
aquarium or household appliance.
This peril does not apply to loss: a. to the system, waterbed, water heater, aquarium, or
household appliance from which the water or steam escapes; b. due to continuous or repeated
seepage or leakage of water, steam or moisture which occurs over a period of weeks, months or
years and results in deterioration, corrosion, rust, or fungi; c. caused by or resulting from freezing;
or d. on the residence premises caused by accidental discharge or overflow which occurs off the
residence premises. In this peril, a plumbing system does not include a sump, sump pump or
14. Freezing of a plumbing, heating, air conditioning or automatic fire protection sprinkler system,
waterbed, water heater, aquarium, or household appliance.
This peril does not include loss on the residence premises while the dwelling is vacant,
unoccupied or being constructed, unless you have used reasonable care to: a. maintain heat in
the building; or b. shut off the water supply and drain the systems, waterbed, water heater,
aquarium and household appliances of water. In this peril, a plumbing system does not include a
sump, sump pump or related equipment.
15. Sinkhole Collapse. Sinkhole collapse means actual physical damage arising out of, or caused
by, sudden settlement or collapse of the earth supporting such property and only when such
settlement or collapse results from subterranean voids created by the action of water on
limestone or similar rock formations.
16. Sudden and Accidental Damage from Artificially Generated Electrical Current
This peril does not include loss to tubes, transistors, electronic components or circuitry that are a
part of appliances, fixtures, computers, home entertainment units or other types of electronic
We Can Help You Find the Best Homeowners Insurance in Ohio, Kentucky, Indiana, or Michigan!
Call 513-662-7000 or log onto our website: http://www.win-homeinsurance.com/