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Homeowners Insurance

Homeowners Insurance Information

Homeowners Insurance- including Bellefontaine, Marysville, Columbus and Central Ohio


Whether you're buying your first home or your 10th, let us help make the process easier and less stressful.

For first time home buyers, we take the time to educate you about the entire process. We explain the basics of home insurance, how we come up with the information to do the quote, what that quote means to you, recommended additional coverage items based on the house and your situation, our inspection process, working with the realtor and mortgage lender and even a basic closing process. We hit it all, so you know what to expect. Buying a home is a BIG deal- let us make it easier on you!

For veteran homeowners, our review process is pretty thorough. We analyze your current policy, (including calculating to make sure the amount of coverage on your house is up to date), make recommendations based on your situation and review everything with you.

Bottom line- we want to make sure you have the coverage you need to protect you and your largest investment. And of course, at a price that works with your budget.

How Does Home Insurance Work?

At its core, home insurance provides coverage for two major items: property and liability. Property can include your house, detached outbuildings and contents. Liability provides coverage for bodily injury and/or property damage for people visiting your property. The specifics of each are included in the next section- What Does a Typical Homeowners Policy Include?- along with other coverage items found in a typical homeowners policy.

Home insurance is designed for sudden and accidental occurrences that can happen to your home or contents (fire, severe windstorm and theft are a few examples), as well as you, the owner, against personal liability if someone is injured while on your property.

A home insurance policy is NOT designed to cover problems that result from poor maintenance or general wear and tear. Sudden and accidental are the key words here. 

What does a typical homeowners policy include?

A typical homeowners policy includes:

Property coverage

  • Coverage A- The house itself. This can include the house and any extra items attached to the house, such as an attached garage, a deck, a sunroom or enclosed porch.
  • Coverage B- Detached outbuildings. Detached buildings NOT part of the house. Think of detached garages and utility buildings. When in doubt, ask!
  • Coverage C- Contents. Includes items not considered part of the house- think furniture, clothing and appliances. Here's a handy tip to decide what are contents and what are not: Imagine turning your house upside down. Whatever falls out are contents items. Most household contents in a detached building (hand tools, lawn mower, etc). would qualify too. 
  • Coverage D- Loss of Use. Provides money should you need to relocate elsewhere temporarily due to damage from a covered claim. Examples of expenses where this money could be used include: hotel room, apartment, Laundromat, dry cleaning and meals.
Liability Coverage
  • Coverage L- Personal Liability. Pays if you're legally liable for causing bodily injury or property damage to someone else. Here's two examples: 1) your pet or animal gets loose and runs in front of a vehicle causing damage to the vehicle and 2) a visitor gets injured while using your swimming pool or hot tub.  Common limits for personal liability include $100,000 to $500,000. Additional liability of $1,000,000 or more can be added with an Umbrella Policy
  • Coverage M- Medical Payments. No-fault coverage to pay for medical bills sustained by a visitor to your home. Example: your friend trips over something in your house, falls and breaks a leg, through no fault of your own. Medical payments will step in and pay the medical bills. We call it "goodwill" insurance.

Homeowners Insurance Coverage Types

Many different type of policies exist depending on what you own, but the most common type you’ll find is called the HO-3 policy. It provides the property and liability coverage already discussed and offers the broadest coverage when it comes to claims. Keep in mind that this policy is designed for a home that you own and occupy (and that isn't a condo). Homeowners insurance claims are paid based on the perils of the policy. Perils are the risks that cause damage on home insurance. The HO-3 doesn’t list the perils that are covered, but instead lists only the ones that aren’t. So it is broader than other types and offers the best option. Sometimes an HO-3 is also referred to as “Special Form” coverage.

If you rent, then you need a renters insurance policy. If you own a condo, then a condo insurance policy is the right choice. 

When Do I Need to Purchase Homeowners Insurance?

If you’re a new home buyer and will have a mortgage on your property, you will need to purchase your homeowners insurance BEFORE the closing. Here’s a tip: contact your insurance agent as soon as your offer has been accepted as the closing typically happens 30-60 days later.

Your insurance agent needs time to calculate the amount of coverage necessary, make recommendations and review it with you. If they go the extra mile like us, they may also inspect the property, so some extra time is worthwhile to get everything just right for you.

If you’re an existing homeowner with your mortgage in escrow, then 45-60 days before your renewal is the best time to make a switch. This gives enough time for the old policy to be cancelled and a bill from the new insurer to be sent to the mortgage company.

If you’re an existing homeowner with no escrow (or no mortgage at all), then the choice is really up to you. Keep in mind the effective date of the policy (date policy starts) is also the due date for your premium. 

Contact Alan Galvez Insurance Today

Request your home insurance quote with Alan Galvez Insurance NOW.

 5 QUICK questions will get you started!  Note: By submitting this form you won't get an "instant" rate- instead you get a team that will shop our companies to find the best policy for you at the best premium. We have several companies in-house and access to MANY more. So you can stop shopping and leave the hard work to us!  A member of our helpful team will contact you within one business day, but usually much sooner!

Helpful Tip:
You might want to consider packaging your home insurance with auto insurance and umbrella insurance for the best coverage and discounts. 


Stephen N. says "Friendly customer service. Helped us find the right insurances for us. It wasn't just a selling of insurance but a true getting to know what we needed and didn't need. When we left the office we felt we had made a new friend. We feel that Carrie and everyone at Alan Galvez Insurance are there for us." 

Read more reviews

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What You Need to Know- A Bellefontaine Insurance Agent’s Experience with Water and Sewer Backup

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Get the Book: Insuring Your First Home

Bellefontaine Ohio home insurance- Insuring Your First Home book by Carrie Reynolds of Alan Galvez Insurance Our own agent, Carrie Reynolds, has written a book about homeowners insurance. Called "Insuring Your First Home: Your Must-Have Guide to Make Home Buying Painless", it's an easy read, about 50 pages long. The book walks you through the process of buying your first home, start to finish, from an insurance perspective. Chapters include:

  - Playing "House": What Determines How Much I'll Pay for Insurance?

  - Insurance Deal Makers and Breakers: What You Need to Know When House Hunting.

  - SOLD! We've found the perfect house. What Happens Next?

  - Limitations and Exclusions of a Homeowners policy that directly affect you.

You can view a sample chapter, read reviews and purchase a copy.

(Kindle and paperback versions available).


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Alan Galvez Insurance
134 W. Columbus Ave.
Bellefontaine, OH 43311

 (937) 592-4871


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