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DePolo & Associates Insurance
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Home insurance coverage in Mount Vernon, Ohio
Home Insurance

Keep your home — and your family — safe

Find a home policy built for your house

Your home is one of the biggest purchases you'll ever make. It protects you, your family, and everything you own. The right policy keeps that investment safe.

For most mortgage lenders, home insurance isn't optional — it's required. But the goal isn't just to satisfy the bank. The goal is to know that if a storm, fire, or break-in happens, you won't be left forfeiting the cost of repairs on your own. We help you build coverage that does the actual job.

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Home covered in every season

What home insurance covers

A standard home policy covers the physical structure of your home, your personal belongings, and liability if a guest is injured on your property. Depending on where you live in Ohio, optional add-ons like flood, sewer backup, and umbrella liability can fill important gaps. We walk through the full picture so you know exactly what's covered — and what isn't.

  • Dwelling & Structure
  • Personal Property
  • Liability Protection
  • Wind & Hail
  • Fire & Smoke
  • Theft & Vandalism
FAQ

Frequently Asked Questions

Does home insurance cover flood damage?
No. Flood is specifically excluded from every standard homeowners policy. To be covered for flooding, you need a separate flood policy through the National Flood Insurance Program (NFIP). If you're near a creek, river, or low-lying area in Knox County, we can help you decide whether flood coverage makes sense.
How much home insurance do I need?
Enough to fully rebuild your home at current construction costs — not what you paid for it or what it would sell for today. Construction costs in Ohio have climbed sharply, and underinsured homes are one of the most common surprises after a loss. We review replacement cost annually to keep coverage in step.
What's NOT covered by a standard home policy?
Flood, earthquake, routine wear and tear, pest damage, mold from long-term leaks, and business activity run out of the home are the most common exclusions. Some can be added with an endorsement; others need a separate policy.
How does the claims process work?
Call us first, before you call anyone else. We help document the damage, file the claim, and advocate for you if the initial offer doesn't match what you're owed. Having a local agent in the loop usually means a faster, cleaner claim.
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Protecting Knox County homes for years

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