Homeowners Insurance
Homeowners Insurance
Homeowners insurance protects your home, your belongings, and your finances. It helps repair or rebuild your house after a covered event, replaces
damaged or stolen possessions, and covers you if someone is injured on your property. As an independent agency, Covella compares carriers to find the right coverage at a competitive rate — and re-shops it if your renewal creeps up.
What it covers
- Dwelling & structures
- Personal belongings
- Liability for injuries on your property
- Additional living expenses if your home is uninhabitable.
Who needs it
Every homeowner — and it’s required by virtually all mortgage lenders.
What affects the cost
Home value & construction, location, deductible, coverage limits, and claims history.
Common questions about our coverage & services
We’ve answered the most common questions to make choosing and managing your insurance easier and stress-free.
Does homeowners insurance cover flood?
No — flood is a separate policy; we can help you add it.
How much dwelling coverage do I need?
Get a Homeowners Insurance quote for your Cincinnati-area needs.
Independent, multi-carrier coverage across Ohio, Indiana, and Kentucky.