Chillicothe, Ohio
96 E 4th Street
Chillicothe, OH 45601
(740) 773-1620
Hummel & Plum Insurance is located in Chillicothe, Ohio. We specialize in all types of insurance: Home Insurance, Auto Insurance, Life Insurance, Health Insurance, Business Insurance and Specialty Risk Insurance.

3 Types of Homeowners Insurance You Need When Moving to Ohio September 4, 2018

Chillicothe, Ross
3 Types of Homeowners Insurance You Need When Moving to Ohio, Chillicothe, Ohio

Once the sale is final, your first thought may be about packing, but first, you need to update your homeowners insurance policy. Because it covers the structure and considers local threats, coverage will change when you move, so contact your agent as soon as possible to review your options. Below are a few factors you should consider when moving to Ohio.

3 Homeowners Insurance Factors to Consider When Moving House

1. Flood Insurance

Flood coverage is not included in basic homeowners policies, yet many places in Ohio experience heavy rainfalls that may cause pooling in your home. However, you can add this coverage for a small additional amount. If your new home is in a floodplain or it has a basement or crawlspace that is vulnerable to shifting earth and pooling water, you should consider adding flood insurance to your policy.

2. Attractive Nuisances

Homeowners insurance in Chillicothe, OHMake sure your homeowners insurance covers “attractive nuisances” like pools and trampolines. These are features of your home that may attract children, who may not have a full understanding of the risks associated with the attractions. Some Ohio insurers cover them while others exclude them, so ask if your company offers coverage and if there are any restrictions; some insurers will not cover a slide or diving board, and nearly all insurers require you to have a fence with a locking gate around your pool.

3. Gardeners

If you pay a gardener, a yard worker, or even a neighbor to mow the lawn or weed your garden, you might need to purchase liability insurance that covers them against injury or property damage. Ohio law states that if you pay them more than $160 per quarter for their service, you are required to purchase insurance coverage to protect them.


If you need a homeowners insurance policy for your new residence, discuss your coverage options with the professionals at Hummel & Plum Insurance Agency in Chillicothe, OH. They've been serving business and residents of Ross County since 1904, and their agents specialize in home, farm, auto, health, and life insurance. Visit their website to learn more about coverage areas, and call (740) 773-1620 to request a quote.

Other Announcements, Events and Deals from Hummel & Plum Insurance Agency Inc
5 Ways to Get Better Gas Mileage, Chillicothe, Ohio
If you're looking for ways to minimize the costs of car ownership, you have a few reliable options. Besides shopping around for a reliable garage and finding a good deal on car more
4 Frequently Asked Questions About Life Insurance, Chillicothe, Ohio
Life insurance financially protects your family after you’re gone. Because buying the right policy is so important, you must have a good understanding of what life insurance is, more
How to Prepare Your Car for a Rainy Spring, Chillicothe, Ohio
While winter driving hazards get all the attention, spring also results in a variety of car insurance claims. From hydroplaning to rear-endings, heavy rainfall, severe more
The Top 3 Reasons to Choose an Independent Insurance Agency, Chillicothe, Ohio
When you seek insurance, you have two types of agencies to choose from. Captive agencies represent only a single insurer—usually a well-known national brand—while independent more
Frequently Asked Questions About Classic Car Insurance, Chillicothe, Ohio
Insurance is an essential component of protecting your rare and valuable vehicle. That’s why owners of classic or collector’s cars must have the proper coverage in place, which more