Buying flood insurance may be required based on where you live in Ohio. A standard homeowner’s insurance policy won’t protect you if there’s a flood. By conducting a home inventory, you value all of your belongings properly. There are various riders that can be obtained on a flood policy, providing you with the higher value protection that you need in Cincinnati, OH.
At Advantage Insurance Network, we can guide you through a home inventory. This way, you can identify all of the furniture, paintings, and other valuables, room by room.
You may not realize just how much you have in your home until you complete an inventory. If your home is by a flood, you want the insurance company to pay to replace as much as possible. If you forget to add the value of the furniture that you have in the basement or the art hanging on the wall in the bedroom, you may not get enough from the claim.
One of the hardest things in a home inventory is to attach values to everything. Consider what the replacement value on things would be. If you have original invoices from furniture or appraisals on high-value items, it can make it easier. Our insurance agents can also help you with valuations. If you have higher valued items than what a traditional policy would credit you for, we can show you what the options are to include more coverage. This way, if something ever does happen, you know that everything is covered.
Many homeowners don’t take the time to conduct a home inventory, putting themselves at risk. When you get a policy for the first time, we recommend an inventory to be done so that you are better protected.
Contact us at Fuhriman Insurance Agency today for help with obtaining a flood insurance policy in Cincinnati, OH. Once you have completed a home inventory, it makes it easier to get a more comprehensive quote on flood insurance.