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Condo And Renter Insurance in Ohio

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Living in a condo or renting a home in Ohio comes with many benefits, but also some risks. You never know when a fire, theft, vandalism, or water damage could ruin your belongings or make your place uninhabitable. That's why you need condo or renters’ insurance to protect your personal property and liability.


Condo insurance, also known as HO-6 insurance, is designed for condo owners who are responsible for the interior of their units. It covers your personal property from common perils, as well as your liability if someone gets hurt in your condo or sues you for negligence. Condo insurance also covers any improvements or additions you make to your unit that are not covered by the master policy of your homeowner’s association.



Renters insurance, also known as HO-4 insurance, is designed for renters who do not own the building they live in. It covers your personal property from common perils, as well as your liability if someone gets hurt in your rented space or sues you for negligence. Renters insurance also covers your additional living expenses if you have to move out temporarily due to a covered loss.

We Are a Top-Rated Condo and Renters Insurance Agency in Ohio

Here at Bellwether Insurance, we are proud to offer you the best coverage for your condo or rental property. Whether you need to protect your personal belongings or shield yourself from liability expenses, we have a plan that suits your needs and budget. Here are some of the benefits of working with us:


  • Years of experience in the insurance industry and a team of licensed agents who are ready to help you.
  • We work with multiple carriers to find you the most competitive rates and discounts available.
  • Flexible payment options and online account management for your convenience.
  • Free quotes and policy reviews to ensure you have the right coverage for your situation.


If you are looking for a reliable and affordable condo or renters’ insurance agency in Ohio, look no further than Bellwether Insurance. 


Contact us today to get started!

Forms of Coverage Offered by Ohio Condo and Renters Insurance

There are four main types of coverage that you can get with your Ohio condo or renters insurance policy:


  • Personal property coverage: This covers your furniture, appliances, clothing, electronics, and other items that you own inside your condo. If they are damaged or stolen by a covered peril, such as fire, theft, vandalism, or water damage, you can get reimbursed for their replacement cost or actual cash value.
  • Liability coverage: Also known as third-party coverage, liability insurance covers your legal responsibility if you accidentally injure someone or damage their property while inside your condo or on the premises. It also pays for your defense costs if you are sued for such incidents.
  • Loss assessment coverage: This covers your share of the expenses that your condo association may charge you if there is damage to the common areas or the building itself that exceeds the association's master policy limit. For example, if a fire damages the roof and the lobby of your condo building, and the association's policy only covers half of the repair costs, you may have to pay the other half as a loss assessment.
  • Additional living expenses coverage: Takes care of your extra costs if you have to temporarily move out of your condo due to a covered peril that makes it uninhabitable. For example, if a pipe bursts and floods your unit, you may have to stay in a hotel until it is fixed. This coverage pays for your hotel bills, meals, transportation, and other necessary expenses.
  • Getting rid of the debris: If your belongings are damaged or destroyed and you need to dispose of them, condo and renters’ insurance can help you with that. This is included in your personal property coverage.
  • Enhancing your space: If you make any improvements or alterations to your rental unit with your own money, condo and renters’ insurance can safeguard your investment if something happens to it. You can only claim a certain amount for this, usually a percentage of your personal property coverage, like 15%.
  • Securing your identity and finances: Renters insurance can also assist you if someone steals your credit cards or checks and uses them fraudulently. You can get some compensation for this, but not much, maybe $1,000.


Don't rely on your condo association to cover your belongings. If a disaster strikes and your stuff is ruined or stolen, you'll be out of luck.

Common Exclusions in Ohio Condo and Renters Insurance

There are some common exclusions in Ohio condo and renters insurance that you should be aware of before you sign a policy.


Some forms of flood damage: Floods can happen due to heavy rain, melting snow, or overflowing rivers and lakes. If your condo or rental property is located in a high-risk flood zone, you might need to purchase a separate flood insurance policy from the National Flood Insurance Program (NFIP) or a private insurer.


Earthquake damage: Ohio is not known for its seismic activity, but it does experience occasional tremors and quakes. If your condo or rental property is damaged by an earthquake, your condo or landlord's insurance might not cover the repairs. 


Mold damage: Mold can grow due to excess moisture, humidity, or poor ventilation. It can cause health problems and damage your belongings. If your condo or rental property has mold issues, your condo or renter’s insurance might not cover the cleanup or remediation costs. You might need to pay out of pocket or file a claim with your own condo or renters’ insurance policy.


Auto damage or theft: Your condo or renter’s policy won't pay for your car if it gets stolen or damaged. But if someone takes your things from your car, your policy may help you.


Your roommate’s property: Your policy also won't help you if something happens to your roommate's things. They need their own policy unless they are your spouse or relative. It's better not to share a policy with someone who is not related to you, because then you have to split the money you get from the policy for all your things.


Pests: Bed bugs and pests can be a nightmare for renters, but don't expect your insurance to help you out. Unless you have a special clause in your policy, these critters are your responsibility to deal with. They are not considered a covered peril under most renters insurance plans.


These are just some of the common exclusions in Ohio condo and renters’ insurance. To find out more about what your policy covers and what it doesn't, you should read your policy documents carefully and ask your agent any questions you might have.

How Much Does Ohio Condo and Renters Cost

On average, Ohio renters’ insurance costs about $142 per year, while condo insurance costs $430 per year. However, this is just a general estimate, and your actual premium may vary depending on several factors. Some of these factors include:


  • The location of your condo or rental property: Different areas may have different risks of natural disasters, crime, or vandalism that can affect the cost of insurance.
  • The value of your personal belongings: The more expensive or valuable your items are, the more coverage you may need to protect them from theft, fire, water damage, or other perils.
  • The amount of liability coverage you choose: Liability coverage protects you from lawsuits if someone gets injured or damages their property in your condo or rental property. The higher the limit you choose, the more you may pay for insurance.
  • The deductible you choose: The deductible is the amount you have to pay out of pocket before your insurance kicks in. The lower the deductible you choose, the more you may pay for insurance.


You can lower your insurance cost by taking advantage of discounts offered by your insurer. Some typical discounts include bundling your condo or renters’ insurance with your auto insurance, installing security devices, having a good credit score, or being a loyal customer.

Compare Ohio Condo and Renters Insurance Quotes

With Bellwether Insurance, you can enjoy the benefits of comprehensive coverage for your personal property, liability, loss of use, and additional living expenses in case of an unexpected event. 


Discover how much you can save with our competitive rates and discounts. 


Don't miss this opportunity – contact us today and secure your future with the best condo or renters’ insurance in Ohio!

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