Homeowners Insurance in Defiance, Ohio

Protection for your home and your belongings, with options from several insurance companies and a local agent to explain them.

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Call 419-784-3979

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Who it's for

Who Homeowners insurance is for

First-time homebuyers
Families who have owned their home for years
Owners of older homes
Homeowners with a mortgage (lenders usually require coverage)

What it can cover

Common Homeowners coverages

Dwelling: may help repair or rebuild your home after a covered loss, up to your limit.
Other structures: may help with detached structures such as a garage or shed.
Personal property: may help replace belongings damaged or stolen in a covered loss.
Personal liability: may help if someone is injured on your property or you damage someone else's property.
Additional living expenses: may help with extra costs if a covered loss makes your home unlivable for a while.

Coverage depends on your policy's terms, limits and deductibles.

Insurance agent going over policy paperwork with a client at her desk in the Roehrs-McMillen office

Your quote

What affects your price

Every quote is different. These are some of the things that can change yours:

Your home's age, size and construction
What it would cost to rebuild
The limits and deductible you choose
Where your home is located
Updates to the roof, wiring, plumbing or heating
Your claims history

Why a local independent agent

One call, several companies

As an independent agency, we represent many insurance companies, so we can compare options with you instead of offering just one. When something changes, you call the same local office on Clinton Street.

See the companies we represent

Homeowners insurance questions

Questions and answers

Have a question about your own policy? A local agent can walk through it with you.

Talk to an agent

Should my dwelling limit match what I paid for my home?

Not necessarily. It should reflect what it would cost to rebuild, which may be different from the purchase price or market value. Read: What Does Homeowners Insurance Cover in Ohio?

Is flooding covered?

Flooding is commonly excluded from homeowners policies and may need separate coverage. Talk with us about what your policy does and doesn't cover.

When should I review my homeowners policy?

After a renovation or addition, a big purchase, or a change in construction costs in your area.

Can I get homeowners coverage online?

You can request a quote online. Coverage can't be started or changed through the website; we'll follow up with your quote, and you can call 419-784-3979 for immediate changes.

Learn more about Homeowners coverage

All articles

Home

What Does Homeowners Insurance Cover in Ohio?

Homeowners insurance can protect more than the house itself. Here’s a plain-language guide to common coverage, exclusions, and questions Ohio homeowners should ask.

Agent business cards for auto, home, business and life insurance displayed beside a welcome sign

Talk to a local agent

Not sure what coverage you need?

Ask a local agent. We'll walk through your options with you.

Request a Quote

or call 419-784-3979