Ohio HO8 Insurance

Ohio HO-8 Insurance policy is designed for older homes in Ohio. The Ohio HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Ohio are Prudential, Safeco, Farmers Insurance and Nationwide and they operate in cities such as Cincinnati, Columbus, Toledo or Cleveland.


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What Will HO8 Insurance Cover in Ohio?

A standard home insurance policy in Ohio whether you live in Cincinnati, Cleveland or Columbus will cover most damages to your OH home and your personal belongings from perils such as explosion, lightning damage from falling objects, riots, theft, trucks or vehicles.

What is Ohio HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Ohio. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Ohio?

The policy will cover any home in the state Ohio such as:
  • Cincinnati, OH
  • Cleveland, OH
  • Columbus, OH
  • Dayton, OH
  • Toledo, OH
  • Akron, OH
  • Canton, OH
  • Youngstown, OH
  • Kettering, OH
  • Hamilton, OH
  • Lima, OH
  • Mansfield, OH
  • Warren, OH
  • Trotwood, OH
  • Springfield, OH
  • Groveport, OH
  • Euclid, OH
  • Groesbeck, OH
  • Cleveland Heights, OH
  • Colerain Township, OH