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THE BOLING INSURANCE GROUP
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  • Home
  • About
    • The BIG Team
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Accessibility Statement
    • Legal Terms
    • Privacy Policy
  • Quotes
    • Property Quotes >
      • Home Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Auto Quotes >
      • Golf Cart/ATV Insurance Quote
      • Auto Insurance Quote
      • Boat Insurance Quote
      • Classic Car Insurance Quote
      • E-Bike Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Life & Financial Quotes >
      • Umbrella Insurance Quote
      • Life Insurance Quote
      • Annuity Quotes
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
  • Service
    • Client Portal
    • Contact My Carrier
    • Update Contact Info
    • Free Consultation
  • Insurance
    • Property >
      • Home Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Vehicles >
      • Auto Insurance
      • Golf Cart/ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • E-Bike Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Life/Financial >
      • Umbrella Insurance
      • Life Insurance
      • Annuities
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
  • Contact


Home Insurance

As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.

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How Much Homeowners Insurance Do You Need?

When buying a home you think about the mortgage and the bills associated with owning a home.  But, just as important is to figure out what your homeowners insurance will cost.

It's especially to figure out the cost of homeowners insurance to get an accurate budget your living expenses.
What is the right amount?
The simple answer is that it depends. There are several factors that can determine how much you will pay for your homeowners insurance.

Choose a Deductible That's Right for You
Just like with a car, your deductible will impact the cost of your homeowners insurance. If you pick a plan with a high deductible, the annual fee for your insurance coverage most likely will be lower.  However, if you have to make a claim for repairs to your home, your out-of-pocket cost will be higher. On the other hand, a low deductible will probably cost you more up front, but you will pay a smaller amount if you have a claim.

Determine the Value of Your Home and Property
If you're buying an insurance policy to cover a home that's worth $250,000, you're going to pay more than someone whose home is worth half that amount. A solid assessment of what your home is worth will help determine the right amount of coverage you need.

The value of your personal belongings also has a lot to do with the value of your home. If you're living in a home worth $150,000, but your belongings that are worth $50,000, you will will want a policy that covers both these amounts. Otherwise, if something happens, you could still be at a loss, even with insurance coverage.

Your Claim History
Unfortunately, the price you pay for homeowners coverage can also be affected by your past insurance history. Homeowners who had fewer claims typically pay less for insurance than those who have more claims. One of the considerations that all insurers have to keep in mind is your level of risk to the insurance company.

Also consider
  • Are you buying an older home or a new home? That too will impact your policy.  
  • Is your electrical and plumbing reliable?  
  • Is the house built to specific codes for maximum safety?
  • Do you own a dog? If so, what breed?
There's so much that goes into determining the cost of homeowners insurance. It's definitely worth contacting us to help determine the coverage that is right for you and within your budget.
(614) 488-3722​
7540 Sawmill Parkway
Suite A1
Powell, OH 43065​
Click Here to Email Us
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We are licensed in Ohio and Indiana.

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The Boling Insurance Group
7540 Sawmill Parkway
Suite A1
Powell, OH 43065
(614) 488-3722
Click Here to Email Us

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Suburban homes in Powell, Ohio Photo by Chantilly99 | CC-BY-SA-4.0 | Website by InsuranceSplash