There are a number of threats that could compromise the safety of your Cincinnati, OH home. A customized insurance policy from Advantage Insurance Network is the best way to protect your property from the most likely problems. Dwelling fire insurance is a policy that pays out funds for damages done to the structure of your buildings. What exactly does this coverage provide?

• Dwelling fire insurance concentrates on the dwelling itself. That means the walls, foundations, flooring, and other elements that are essential to the structural integrity of the unit. It may or may not include plumbing, electrical wiring, or other utility assets.
• Dwelling fire insurance typically does not cover personal belongings or items that are stored in the damaged building. For this reason, dwelling insurance is not recommended for those who are currently living on the insured property.
• These policies can be expanded to cover other potential problems like smoke, explosions, and weather-related damage. Like most policies, only the perils specifically named in the contract are covered. Talk to an insurance agent to ensure all of your concerns are met.
• Due to the lack of coverage on items that are stored in and on the property, dwelling fire insurance doesn’t make a good primary protection policy for residence. However, landlords and those with vacant properties can protect their financial interests with these policies. Any renters on the property should be encouraged to buy their own renter’s insurance policies.

Is dwelling fire insurance the solution for your Cincinnati, OH property? Contact the agents at Advantage Insurance Network for a personalized assessment of your insurance needs.