Northeast Ohio
Homeowners Insurance
We know the ins and outs of insurance.

Types Of Homeowners Insurance Coverage
Dwelling
Other Structures
Personal Property
Personal Liability
Medical Payments to Others
Additional Living Expense




Best Ohio Homeowners Insurance Agency
Welcome to Ellerhorst Insurance Agency, your go-to source for the best homeowners insurance in Ohio. As a homeowner, it’s important to protect your biggest investment and ensure that you and your family are covered in the event of unexpected circumstances. Our agency offers a wide range of coverage options to suit your specific needs and budget, from basic liability coverage to comprehensive packages that include protection for your personal property.
At Ellerhorst Insurance Agency, we understand that every home and homeowner is unique. That’s why our experienced agents take the time to get to know you and your property, so we can tailor a policy that fits your needs perfectly.
Don’t leave your home and family’s financial security to chance. Get in touch with us today to learn more about our homeowners insurance options and to request a free quote. With Ellerhorst Insurance Agency, you can have peace of mind knowing that your home and loved ones are protected.
Common Homeowners Insurance Coverages
Dwelling & Other Structures
Liability Protection
Additional Living Expense
Personal Property
Optional Coverages
Guaranteed Home Replacement Cost
Water Backup of Sewers or Drains
Special Personal Property Coverage
Ordinance or Law Coverage
Homeowners Plus
Equipment Breakdown
Identity Theft Expense Coverage
Home Cyber Protection
Inland Flood Coverage
What factors go into determining a homeowners insurance rate?
The rate you pay for homeowners insurance coverage can vary significantly depending on a number of factors. Understanding what goes into determining home insurance rates can help you make an informed decision when choosing a policy.
In this section, we will take a closer look at some of the most common factors that are considered when determining a homeowners insurance rate, including location, construction, age of the house, replacement cost, swimming pool, home-based business and coverage.

Location

Construction

Age of the house

Replacement cost

Swimming pool

Home-based business

Coverage
Flood Insurance
Flood insurance is a separate coverage from a standard homeowners insurance policy. It provides protection for damage caused by rising water, including damage from overflowing rivers, lakes, and oceans, as well as damage from heavy rains or snowmelt.
It’s important to note that most standard homeowners insurance policies do not cover flood damage. This means that if your home is located in a flood-prone area and is damaged by a flood, you will not be covered by your standard homeowners insurance policy. This is why it’s important to consider purchasing flood insurance to protect your home and assets.
When purchasing flood insurance, it’s important to understand the difference between a Preferred Risk Policy (PRP) and a Standard Flood Insurance Policy (SFIP). PRP is for low to moderate-risk areas and has lower premiums, while SFIP is for high-risk areas and has higher premiums.
There is typically a 30-day waiting period from the time you purchase a flood insurance policy until it goes into effect, which is something to keep in mind as you plan ahead.
Flood insurance is not just for homes located in high-risk flood areas. In fact, approximately 25% of flood claims occur in low-to-moderate risk areas. Check if your property is located in a flood zone and consider purchasing flood insurance to protect your home and assets if it is.
If you are considering purchasing flood insurance, it’s always a good idea to speak with a flood insurance specialist at your insurance agent to learn more about your options and to help you determine the right policy choice for you.
How to file a home insurance claim
At Ellerhorst Insurance Agency, we understand that filing an ohio homeowners insurance claim can be a stressful and confusing process. That’s why we are committed to making the process as easy and straightforward as possible for our policyholders. Here’s an overview of the steps you can expect when filing a claim with our agency:
- Contact us: In the event of a loss, please contact us as soon as possible. Our dedicated claims team is available to assist you.
- Documentation: Our claims adjuster will guide you through the documentation process, ensuring that all necessary information and documentation is gathered.
- On-site Inspection: Our team will schedule an on-site inspection with one of our claims adjusters as soon as possible to assess the damage and begin the claims process.
- Fast and fair settlement: We work with you to ensure that the process is as fast and fair as possible. Our team will review the adjuster’s report and provide you with an estimate of the cost of repairs and the amount that will be covered by your insurance policy.
- Repairs: Once the adjuster’s report has been reviewed and approved, you can begin making repairs to your home. Our team will guide you through the process and provide you with the necessary support.
- Keep all records: Keep all the records of the damages, repair, and reimbursement for future reference
Ellerhorst Insurance Agency prides ourselves on our excellent customer service and our commitment to helping our policyholders through the claims process. We are here to guide you every step of the way and to ensure that your claim is handled quickly and efficiently.
Find out more about coverage for your home
Ellerhorst Insurance Agency is dedicated to providing our customers with the best possible homeowners insurance in Ohio experience. We understand that your home is your biggest investment and that protecting it is essential. Our agency offers a wide range of coverage options to suit your specific needs and budget, including standard and optional coverages, such as personal belongings, property damage, and flood coverage. Our experienced agents are dedicated to getting to know you and your property, so we can tailor a policy that fits your needs perfectly.
If you’re in need of homeowners insurance or if you’re looking to review your current coverage, don’t hesitate to contact us. Our team of experts is here to help you find the best coverage options for your needs and budget. We will be more than happy to provide you with a free quote and answer any questions you may have. Contact us today and let us show you why we are the best Ohio homeowners insurance agency.