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Homeowners Insurance

Ellerhorst Russell Insurance Agency will work with you closely to understand your needs and make sure you have the personal insurance coverage you need.

We know the ins and outs of insurance.

Putting Our Customers First​

Serving The Community Since 1915.

Whether you are living in the home you’ve always dreamed of or the first version of it, make sure it’s protected with the right coverage. Don’t let just anyone protect your dreams. Trust Ellerhorst Russell Insurance to protect your home. Our local expert agents will help you choose the right coverage, so you can be certain that you’re protected.

Types Of Homeowners Insurance Coverage

Trust Ellerhorst Russell Insurance with all of your insurance needs. We have the coverage and expertise to ensure that your Home is thoroughly protected.


Coverage for your home and attached structures such as a garage.

Other Structures

Coverage for structures that are not attached to your home, such as a detached garage, shed or barn that are on your property.

Personal Property

Coverage for your personal items if they are stolen or destroyed.

Personal Liability

Covers you against lawsuits for bodily injury or property damage for which you may be liable.

Medical Payments to Others

Coverage for others who are injured on your property.

Additional Living Expense

Reimburses you for expenses if you are unable to stay in your home (i.e. a hotel) after a covered loss.

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

When it comes to protecting your home and assets, Ohio home insurance is an essential component. A standard homeowners policy typically includes coverage for the dwelling and other structures on the property, liability protection, additional living expenses, and personal property. Take a closer look at each of these common coverages to see how they can help to protect you and your family in extenuating circumstances. By understanding the coverage options available to you, you can make an informed decision and choose the policy that best meets your needs.

Dwelling & Other Structures

Dwelling coverage in a homeowners policy provides protection for your home and other structures on your property, such as a detached garage or shed. This coverage helps to pay for repairs or rebuilding in the event of damage caused by a covered event, such as a fire or windstorm.

Liability Protection

Homeowners insurance also commonly includes liability protection, which helps to pay for legal fees and medical expenses if someone is injured on your property or if you or a family member causes damage to someone else’s property. This coverage also provides protection if you are sued for damages.

Additional Living Expense

If you are unable to live in your home due to a covered event, additional living expense coverage can help pay for temporary housing and other related expenses. This coverage can also include expenses such as hotel stays, meals and transportation costs.

Personal Property

Your personal property, such as furniture, appliances, clothing and other items, is also a coverage option under a homeowners policy. This coverage can help to pay for the replacement or repair of your personal property if it is damaged or destroyed by a covered event. It also includes protection for personal property even if it is away from your home, like your laptop, jewelry, and other high value items.

Optional Coverages

In addition to those common coverages, you can choose to opt for more optional coverages that fit your needs and better protect your assets. While a standard homeowners policy provides basic protection for your home and personal property, there are a number of optional coverages that can be added to your policy to provide additional protection. These include 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, and inland flood coverage. Take a look at the coverage options available to get a better idea of which coverages suit your needs.

Guaranteed Home Replacement Cost

Guaranteed home replacement cost provides protection for the full cost of rebuilding your home, regardless of the amount of insurance you have. This type of coverage is particularly important if the cost to rebuild your home is higher than the market value.

Water Backup of Sewers or Drains

Water backup coverage is often worthwhile for homeowners, especially those with older plumbing systems. In the event that water or sewage backs up through your home’s sewers or drains, you can be covered for the cost of repairs and cleanup. Given that water backup can be a costly problem, many homeowners opt for this optional coverage.

Special Personal Property Coverage

If you have high-value items such as jewelry, fine art, and collectibles, special personal property coverage can keep them protected from costs associated with damage and repairs. It also includes protection for lost or stolen items.

Ordinance or Law Coverage

Ordinance or law coverage gives homeowners protection for the additional cost of rebuilding your home in compliance with local building codes and ordinances. This is important coverage to have if your home is damaged and needs to be rebuilt to current standards.

Homeowners Plus

Homeowners plus insurance will cover you in instances of personal injury, personal property off-premises, and credit card fraud.

Equipment Breakdown

This coverage option provides protection for the cost of repairing or replacing equipment such as HVAC systems, appliances, and electrical systems.

Identity Theft Expense Coverage

As identity theft becomes more of a concern, this optional coverage helps to safeguard yourself in the event that it happens to you. Under this coverage, you have protection for the cost of restoring your identity if it is stolen, including legal fees, credit monitoring, and other expenses.

Home Cyber Protection

Home cyber protection can help you recover the cost of restoring your computer systems and data if they are damaged or stolen.

Inland Flood Coverage

Generally, damage caused by flooding is not covered under a standard homeowners policy, which is why it’s important to consider adding inland flood coverage to your policy. This can be particularly important if your home is located in a flood-prone area.

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.

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One of the main factors that goes into determining a homeowners insurance rate is the location of the property. Homes located in areas that are prone to natural disasters or crime will typically have a higher insurance rate than those in safer areas.
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The type of construction of the home is also a factor that is taken into consideration when determining insurance rates. Homes that are made of brick or stone are considered to be less risky than those made of wood, and therefore may have a lower insurance rate.
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Age of the house

The age of the house plays a role in determining insurance rates. Older homes may be considered more risky to insure, as they may be more prone to certain types of damage and may not have as many safety features as newer homes.
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Replacement cost

The cost of replacing a home is another factor that goes into determining insurance rates. Specifically, replacement cost is the amount that it would cost to rebuild the home in the event of a total loss. Homes with a higher replacement cost will typically have a higher insurance rate.
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Swimming pool

Having a swimming pool in the property can also affect homeowners insurance rate, as it can be considered as an additional liability risk.
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Home-based business

If the home is used for a home-based business, it can also affect the homeowners insurance rate. Some insurance companies may require additional coverage to protect the business operations and equipment.
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The type and amount of coverage that is chosen can also affect the homeowners insurance rate. More comprehensive coverage will typically have a higher rate than a basic policy.

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:

  1. Contact us: In the event of a loss, please contact us as soon as possible. Our dedicated claims team is available to assist you.
  2. Documentation: Our claims adjuster will guide you through the documentation process, ensuring that all necessary information and documentation is gathered.
  3. 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.
  4. 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.
  5. 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.
  6. 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.

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Ellerhorst Russell Insurance Agency will work with you closely to understand your needs and make sure you’re properly protected.

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