Homeowners Insurance

Get a Homeowners Insurance Quote in Chillicothe, Ohio

Are you looking for the best homeowners insurance in Chillicothe or anywhere in Ohio? DSB Insurance Agency offers competitive quotes and personalized coverage for all Ohio residents.

Your home is likely your most valuable asset—protect it with a policy tailored to your needs. When disaster strikes, you want an insurance company that understands the importance of your home and settles claims quickly and fairly.

Why Choose DSB Insurance Agency?

As an independent insurance agency in Chillicothe, we compare policies from multiple top-rated companies to find you the best combination of coverage, service, and price. Whether you need homeowners insurance for your primary residence, a rental property, or a vacant home, we have solutions—including specialty dwelling policies for unique situations.

What Does Homeowners Insurance Cover?

A standard homeowners insurance policy can protect you from financial loss due to fire, theft, vandalism, storms, and more. It also provides liability coverage if someone is injured on your property.

Common coverages include:

• Dwelling Coverage
  Dwelling coverage protects the structure of your home, including the walls, roof, and built-in appliances, against covered perils such as fire, wind, hail, or vandalism. It pays to repair or rebuild your house if it’s damaged or destroyed by a covered event.
• Other Structures Coverage
  This coverage insures structures on your property that are not attached to your main house, such as detached garages, sheds, fences, and driveways. It helps pay for repairs or replacement if these structures are damaged by a covered loss.
• Personal Property Coverage
  Personal property coverage protects your belongings inside your home, including furniture, clothing, electronics, and appliances. If your possessions are stolen, damaged, or destroyed by a covered peril, this coverage helps pay to repair or replace them—whether the loss occurs at home or, in some cases, while you’re away.
• Loss of Use (Additional Living Expenses)
  If your home becomes uninhabitable due to a covered loss, loss of use coverage pays for additional living expenses such as hotel bills, restaurant meals, and other costs you incur while your home is being repaired or rebuilt.
• Medical Payments to Others
  This coverage pays for medical expenses if a guest is injured on your property, regardless of who is at fault. It can also cover certain injuries that occur away from your home, under specific circumstances. It does not cover injuries to you or members of your household.
• Personal Liability Coverage
  Personal liability coverage protects you financially if you are found legally responsible for injuries to others or damage to their property, whether the incident occurs on your property or elsewhere. It covers legal fees, settlements, and court judgments, up to your policy limits.
• Scheduled Personal Property Coverage
  If you own high-value items such as jewelry, fine art, firearms, or collectibles, scheduled personal property coverage provides additional protection beyond the standard policy limits. These items are specifically listed (“scheduled”) on your policy for their appraised value.
• Identity Theft and Home Cyber Liability
  This optional coverage helps protect you from financial loss due to identity theft, cyberattacks, or data breaches. It may cover expenses related to restoring your identity, legal fees, and losses from online fraud or cyber extortion.
• Service Line Coverage
  Service line coverage helps pay for the repair or replacement of underground utility lines that run from your home to the street, such as water, sewer, electrical, gas, or internet lines. If these lines are damaged due to causes like wear and tear, tree roots, or freezing, this coverage can help cover excavation, repair, and restoration costs—expenses that are typically not included in standard homeowners insurance policies.
• Equipment Breakdown Coverage
  Equipment breakdown coverage protects your home’s essential systems and appliances—such as heating and air conditioning units, water heaters, refrigerators, and electrical panels—against unexpected mechanical or electrical failure. If a covered system or appliance breaks down due to a sudden event (not normal wear and tear), this coverage helps pay for repair or replacement, often including coverage for spoiled food and temporary accommodations.
• Interior/Exterior Matching Endorsement
  An interior/exterior matching endorsement ensures that if part of your home’s interior or exterior (like siding, roofing, or flooring) is damaged by a covered loss, your insurance will help pay to match the undamaged portions with the new materials. Without this endorsement, repairs may only restore the damaged area, potentially resulting in mismatched materials. This coverage helps maintain your home’s appearance and value after a partial loss.

Why Homeowners Insurance Matters

No two policies are the same. Coverage, endorsements, and exclusions vary by company. As your local independent agent, we help you understand your options and choose the right protection for your home and assets.

How to Get Started

Every home is unique. Let us review your current policy and provide a no-obligation homeowners insur ance quote. Call our Chillicothe office or fill out the form below to get started—the process is quick and easy!

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DSB Insurance Agency—Protecting homes in Chillicothe, Ohio and surrounding areas with trusted, personalized insurance solutions.