Homeowners Insurance in Ohio (Serving Northeast Ohio & the Sagamore Hills Area)
Your home is likely your most valuable asset — and protecting it properly matters. At Graziano & Lorince Insurance, we help homeowners across the entire state of Ohio secure the right homeowners insurance coverage at a competitive price.
And because our home office is located in Sagamore Hills, we have deep local expertise in the surrounding communities of Macedonia, Northfield, Twinsburg, Brecksville, Hudson, and the greater Northeast Ohio region. Whether you’re here in the Nordonia Hills area or anywhere else in Ohio, we’re ready to help you protect what matters most.
What Does Homeowners Insurance Cover?
Here’s a simple breakdown of the core protections included in most Ohio homeowners insurance policies:
Dwelling (Coverage A) – Covers the structure of your home. This includes rebuilding or repairing your house if it’s damaged by fire, wind, hail, lightning, vandalism, or theft.
Personal Property (Coverage C) – Imagine flipping your home upside down — everything that falls out is your personal belongings. Items such as furniture, clothing, electronics, and appliances are protected if stolen or damaged.
Medical Payments Coverage – Provides small, no-fault medical coverage for someone injured on your property. This protects guests and visitors regardless of fault.
Personal Liability – Protects your family financially if someone is hurt or you damage someone else’s property. Many Ohio policies start at $100,000 of liability, but we recommend reviewing higher limits or adding a Personal Umbrella Policy.
Loss of Use (Additional Living Expense) – Helps pay for temporary housing, meals, and other living expenses if a covered claim forces you to move out during repairs.
Popular Endorsements & Additional Coverages
Your homeowners policy can be customized to protect the things that matter most. Common Ohio homeowners add-ons include:
- Scheduled jewelry, firearms, collectibles, and fine arts
- Secondary/vacation home coverage
- Identity theft restoration services
- Water backup of sewer or drains
- Service line protection (water, gas, and phones)
- Tree removal or debris cleanup
- Limited fungi/mold protection
- Watercraft or jet ski liability
- Business-in-the-home protection
If you own a rental home, investment property, or vacation rental, visit our Landlord / Dwelling Insurance page for the correct type of policy.
The 5 Most Important Things to Know When Buying Homeowners Insurance
- Understand your replacement cost. This is the amount required to rebuild your home — not its real estate market value. A correct dwelling limit is essential.
- Flood insurance is NOT included. You will need a separate policy. Learn more on our Flood Insurance page.
- Earthquake coverage is NOT included. This can be added upon request.
- Choose a deductible that fits your comfort level. Higher deductibles lower your premium; lower deductibles cost more.
- Know your claims plan. When something happens, you should know exactly who to call. Our team guides you through every step.
You’re never a bother at Graziano & Lorince Insurance. We explain your coverage in simple terms so you feel confident in every decision.
Note: If you’re insuring a rental property or a vacant home, a standard homeowners policy will not apply. Visit our Landlord Insurance page for more info.
No matter where you live in Ohio, we can review your current policy and explain — in clear, non-insurance language — what coverage you have, what gaps may exist, and how our recommendations compare.
Frequently Asked Questions (FAQ)
How much homeowners insurance do I need?
You need enough coverage to rebuild your home at today’s construction costs. This is called “replacement cost,” and it is not tied to market value. We calculate this with you during your quote.
Is flood damage covered by homeowners insurance?
No. Flood insurance is a separate policy. If you live near a creek, lake, drainage area, or heavy run-off zone, ask us for a flood quote.
Does homeowners insurance cover my finished basement?
Yes for fire or major perils, but water and drain backup require an endorsement. Without it, basement water damage is typically not covered.
Am I covered if someone gets hurt on my property?
Yes — liability and medical payments coverage apply. For higher protection, many families add an umbrella policy.
Can I bundle home and auto insurance?
Absolutely. Bundling often provides the largest discounts available. Visit our Auto Insurance page for details.
Do you insure condos and townhomes?
Yes. Coverage is different from traditional homeowners policies. Visit our Condo Insurance page for details.
