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When it comes to obtaining cheap homeowners insurance in Hicksville, Ohio, it is important to do your research and compare quotes from different insurance companies. The cost of homeowners insurance can vary depending on a number of factors, including the location of your home, the size and age of your home, your credit score, and more. By shopping around and comparing quotes, you can find the best deal on homeowners insurance that fits your needs and budget.

Here are five insurance companies that offer homeowners insurance in Hicksville, Ohio, along with their average rates and customer reviews:

1. State Farm Insurance: State Farm is a well-known insurance company that offers homeowners insurance in Hicksville, Ohio. The average cost of homeowners insurance from State Farm in Hicksville is around $800 per year. State Farm has a good reputation for customer service and claims handling.

2. Allstate Insurance: Allstate is another popular insurance company that offers homeowners insurance in Hicksville, Ohio. The average cost of homeowners insurance from Allstate in Hicksville is around $900 per year. Allstate also has a good reputation for customer service and claims handling.

3. Nationwide Insurance: Nationwide is a large insurance company that offers homeowners insurance in Hicksville, Ohio. The average cost of homeowners insurance from Nationwide in Hicksville is around $850 per year. Nationwide is known for its competitive rates and good customer service.

4. Farmers Insurance: Farmers is a well-established insurance company that offers homeowners insurance in Hicksville, Ohio. The average cost of homeowners insurance from Farmers in Hicksville is around $950 per year. Farmers has a good reputation for customer service and claims handling.

5. Progressive Insurance: Progressive is a well-known insurance company that offers homeowners insurance in Hicksville, Ohio. The average cost of homeowners insurance from Progressive in Hicksville is around $800 per year. Progressive is known for its competitive rates and easy online quoting process.

When comparing homeowners insurance quotes from different companies, it is important to consider not only the cost of the insurance policy, but also the coverage options and customer reviews. By doing your research and comparing quotes, you can find the best homeowners insurance policy for your needs and budget.

There are several common things that are covered by homeowners insurance in Hicksville, Ohio, including:

1. Dwelling coverage: This covers the structure of your home in the event of damage from covered perils such as fire, wind, hail, and more.

2. Personal property coverage: This covers your personal belongings inside your home in the event of theft, vandalism, or damage from covered perils.

3. Liability coverage: This covers you in the event that someone is injured on your property and you are found liable for their injuries.

4. Additional living expenses: This coverage helps to pay for temporary living expenses if your home is uninhabitable due to a covered loss.

5. Medical payments: This coverage helps to pay for medical expenses if someone is injured on your property, regardless of who is at fault.

6. Other structures coverage: This covers structures on your property that are not attached to your home, such as a detached garage or shed.

7. Loss of use coverage: This coverage helps to pay for additional living expenses if you are unable to live in your home due to a covered loss.

8. Personal liability coverage: This coverage protects you from lawsuits if someone is injured on your property and you are found liable.

There are also some common things that are not covered by homeowners insurance in Hicksville, Ohio, including:

1. Flood damage: Flood damage is not covered by standard homeowners insurance policies and requires a separate flood insurance policy.

2. Earthquake damage: Earthquake damage is not covered by standard homeowners insurance policies and requires a separate earthquake insurance policy.

3. Wear and tear: Damage caused by normal wear and tear is not covered by homeowners insurance.

4. War or nuclear accidents: Damage caused by war or nuclear accidents is not covered by homeowners insurance.

5. Intentional acts: Damage caused by intentional acts, such as arson, is not covered by homeowners insurance.

6. Business activities: Damage caused by business activities conducted on your property is not covered by homeowners insurance.

7. Pets: Damage caused by pets, such as bites or scratches, is typically not covered by homeowners insurance.

8. High-value items: Items such as jewelry, art, and collectibles may have limited coverage under a standard homeowners insurance policy and may require additional coverage.

When shopping for homeowners insurance in Hicksville, Ohio, it is important to ask the right questions to ensure that you are getting the coverage you need at a price you can afford. Here are 16 common questions to ask when shopping for homeowners insurance:

1. What is the cost of the homeowners insurance policy?

2. What is the coverage limit for dwelling coverage?

3. What is the coverage limit for personal property coverage?

4. What is the deductible for the policy?

5. Are there any discounts available for the policy?

6. What is the claims process like?

7. Are there any exclusions or limitations in the policy?

8. Is there coverage for additional living expenses if my home is uninhabitable?

9. Is there coverage for liability if someone is injured on my property?

10. Is there coverage for other structures on my property?

11. Is there coverage for loss of use if I am unable to live in my home?

12. Is there coverage for personal liability if someone is injured on my property?

13. Is there coverage for medical payments if someone is injured on my property?

14. Is flood insurance included in the policy?

15. Is earthquake insurance included in the policy?

16. Are there any optional coverages available for purchase?

By asking these questions and comparing quotes from different insurance companies, you can find the best homeowners insurance policy for your needs and budget in Hicksville, Ohio. Remember to consider not only the cost of the policy, but also the coverage options and customer reviews to make an informed decision.