Arlington Heights, Ohio
410 Elliott Ave
Cincinnati, OH 45215
(513) 821-6300

4 Reasons Why You Need Home Insurance September 17, 2019

Arlington Heights, Arlington Heights
4 Reasons Why You Need Home Insurance, Arlington Heights, Ohio

You should always do everything you can to protect your home, the surrounding property, and your belongings from an unexpected disaster. Home insurance is designed to pay for the repair and replacement costs caused by a variety of perils, ranging from fire damage to harsh and inclement weather. This will ensure that you can replace items and rebuild your life in the wake of tragic events. In addition to offering financial peace of mind, here are several reasons why having coverage is beneficial.

4 Reasons Home Insurance is Necessary

1. Provides Extensive Protection

From burglary to fallen tree branches, homes are susceptible to a wide range of damages. A standard home insurance policy protects your house if it is affected by natural disasters and other catastrophes. If damage occurs, you pay a specified amount, called a deductible, that is your contribution to the overall total. Your insurance provider will then pay for the rest of the costs. The protection extends to damage caused by storms, fire, vandalism, and much more to your home, garage, and entire property.

2. Offers Liability Coverage

insurance quote Cincinnati, OHHome insurance also provides financial cover if a guest is injured in your home or on your surrounding property. For instance, if an individual is bitten by your dog or sustains an injury while walking up a stairway, your policy will pay for their medical expenses. Depending on the coverage guidelines, insurance may include legal payments if the injured person files a lawsuit against you, and it can cover lost wages if the person is unable to work due to their injury.

3. Recovers Personal Possessions

From laptops and furniture to clothes and appliances, most home insurance policies extend coverage to your possessions. If they are damaged or stolen, your carrier will pay for the repair or replacement costs. The good news is that your valuables are covered wherever they are in the world, including in your car or while they are with you on vacation in another country.

4. Pays For Temporary Relocation

If your home sustains damage that prevents you and your family from living there, home insurance will pay for temporary relocation costs. While your house is being repaired after a fire or other disaster, insurance can cover hotel stays, food, and other related expenses. This allows you to focus on organizing the rebuilding process instead of worrying about where you will stay and how you will keep your family fed.


Since 1975, Stautberg Financial Group in Cincinnati, OH, has provided affordable and reliable home insurance to residents throughout the Tri-State region. The family-owned agency takes pride in assisting clients with customized coverage designed for their unique needs. As an independent firm, the team of professional and friendly agents can also shop on your behalf for preferred rates from several leading providers. To receive a free, no-obligation insurance quote, call (513) 821-6300 or request one online.

Other Announcements, Events and Deals from Stautberg Financial Group
Top 5 Questions About Renters Insurance, Arlington Heights, Ohio
When you calculate the value of your personal property—everything from flat-screen televisions and laptops to clothes and furniture—the total can be substantial. That’s why more
A Quick Guide to Umbrella Insurance, Arlington Heights, Ohio
If you cause an accident that results in damage or injury, for example, on the road or at your home, the liability coverage in your insurance policy will kick in to cover more
3 Reasons College Students Should Have a Renters Insurance Policy, Arlington Heights, Ohio
From lower monthly rates to more space, renting a place off-campus has many advantages for college students. But despite these benefits, apartment living will always present risks— more
Do Young People Need Life Insurance?, Arlington Heights, Ohio
Ask the average millennial what they consider their top financial priorities, and life insurance might not make the list. With youth, independence, good health, and other more
 A Guide to Auto Insurance for Financed Vehicles, Arlington Heights, Ohio
Cars help you get from point A to B quickly, so you can get on with your busy life. As a driver, you need to carry a certain amount of auto insurance if you were to get more