Homeowners Insurance in Cincinnati, OH
Home insurance helps address the financial impact of unexpected events that damage your property or belongings. At R.M. Price Insurance Agency, we help Cincinnati homeowners explore insurance options that reflect their property’s value and the risks that come with homeownership.
What Is Home Insurance? 
Home insurance may help cover the cost of repairs, replacements or liability claims resulting from damage to your home or accidents on your property. It’s commonly required by mortgage lenders and highly recommended for all homeowners, whether you live in the city, suburbs or a rural area.
What Is Covered in a Standard Home Insurance Policy?
While policies can vary, most standard plans include:
- Dwelling coverage may help repair or rebuild your home after an incident such as fire, hail or vandalism
- Personal property coverage may assist in replacing belongings such as furniture, clothing or electronics
- Liability coverage may cover third-party costs if someone is injured on your property and holds you responsible
- Additional living expenses may help with temporary housing and meals if your home becomes unlivable due to a covered loss
- Other structures coverage may include garages, fences, sheds or similar structures on your property
Optional endorsements can be added for high-value items or expanded replacement cost.
How Do Deductibles Work in Home Insurance?
A deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in. For example, if you file a claim for $10,000 in damage and have a $1,000 deductible, your insurer may cover the remaining $9,000.
Choosing a higher deductible can reduce your monthly premium, but it will increase the cost of filing a claim.
Get a Home Insurance Quote in Minutes
R.M. Price Insurance Agency offers personalized home insurance solutions to homeowners across Cincinnati. Use our instant quote tool to get started or contact us directly for one-on-one support.