Home Insurance

Why Buy Home Insurance from an Independent Agent

Your home is more than just four walls — it’s where your life happens, your memories are made, and your most valuable assets are kept safe. Whether you own a house, a condo, or rent an apartment, protecting your living space with the right insurance coverage is essential.

But with so many carriers and policy options available, how do you know which plan is right for you? That’s where Advantage Insurance Network, LLC can help.

As an independent insurance agency, we don’t represent just one company — we partner with multiple top-rated insurers. That gives us the flexibility to shop your coverage, compare policies, and customize protection to fit your needs and budget.

the Advantages of Working with an Independent Agent

1. Access to Multiple Carriers

Instead of being limited to a single company’s products, we bring you a wide range of home insurance options from multiple insurers. That means better choices, more flexibility, and policies tailored to your unique situation.

2. Personalized Service

Unlike big, direct-to-consumer insurance brands, we focus on building relationships. We take the time to understand your home, lifestyle, and budget so we can recommend the best coverage.

3. Advocacy at Claim Time

When you file a claim, we’re not just your agent — we’re your advocate. We work for you, not the insurance company, and we’ll help you navigate the process to ensure you get the fair outcome you deserve.

4. Expert Guidance

Our licensed professionals have in-depth knowledge of the insurance industry. We’ll explain coverages in plain language and guide you through your options so you can feel confident in your decisions.

5. One-Stop Insurance Shop

Homeowners often need more than one policy. From home and auto to life, health, or business insurance, we can bundle your coverage under one roof — saving you both time and money.

Types of Home Insurance Coverage

Different living situations call for different policies. Here are the three main types of home insurance we offer:

Homeowners Insurance

Designed for single-family homes, duplexes, or townhouses, homeowners insurance covers:

• The dwelling itself (roof, walls, foundation, etc.)

• Other structures (detached garages, fences, sheds)

• Personal property (furniture, electronics, clothing, etc.)

• Liability protection if someone is injured on your property

• Additional living expenses if you’re displaced due to a covered loss

Condo Insurance

If you own a condo, you’ll need a condo insurance policy (HO-6). It typically covers:

• The interior of your unit (walls, floors, ceilings, fixtures)

• Your personal belongings

• Liability protection

The condo association’s master policy usually covers the building and shared spaces, but it won’t cover everything inside your unit. That’s where condo insurance fills the gaps.

Renters Insurance

Renters need coverage too. While your landlord’s policy insures the building, it won’t protect your personal belongings. Renters insurance provides:

• Coverage for personal property (clothing, electronics, furniture, etc.)

• Liability protection

• Additional living expenses if your rental becomes uninhabitable

Homeowners Insurance Basics

A standard homeowners policy typically includes six core protections:

1. Dwelling Coverage – Protects the physical structure of your home.

2. Other Structures Coverage – Covers detached garages, fences, sheds, and similar structures.

3. Personal Property Coverage – Replaces belongings damaged or stolen.

4. Loss of Use Coverage – Pays for living expenses if you can’t stay in your home after a covered loss.

5. Liability Coverage – Protects you if you’re legally responsible for injury or property damage.

6. Medical Payments Coverage – Pays for minor injuries on your property, regardless of fault.

Optional Home Insurance Coverages

While standard homeowners insurance offers a strong foundation, optional coverages can provide additional peace of mind:

• Flood Insurance – Essential if you live near flood-prone areas; not included in standard policies.

• Earthquake Insurance – Protects against seismic activity, even in areas like Ohio where risk is lower but not nonexistent.

• Sewer Backup Coverage – Covers costly damage caused by sewer or drain backups.

• Personal Umbrella Liability – Adds extra liability protection beyond your home and auto limits.

• Service Line Coverage – Pays for repairs to underground pipes and utility lines leading into your home.

• Scheduled Jewelry Coverage – Insures valuable items like engagement rings or heirlooms for their full value.

• Identity Theft Coverage – Helps with the costs of restoring your identity if it’s stolen.

Protect Your Home with Advantage Insurance Network

Buying home insurance shouldn’t be overwhelming — and with the right independent agent, it isn’t. At Advantage Insurance Network, we combine personalized service, carrier choice, and expert advice to help you protect what matters most.

📞 Call us today at 513-922-9460 to discuss your home insurance needs.
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