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HO-4, roommates, liability, move-in.
Belongings, personal liability, and extra living expenses after covered losses—not the building.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Not by statewide Ohio law, but leases often require it.
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Often relatively inexpensive; get a quote for real numbers.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Usually only listed insureds—roommates may need their own policy.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Parents' HO may extend limited coverage; off-campus often needs renters.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Often as personal property theft subject to deductible/limits.
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Usually excluded.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
No—flood is separate.
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No.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Often as soon as the insurer binds—ask before move-in day.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Yes as personal property; schedule expensive bikes.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Sometimes; many prefer separate policies.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Questions about your coverage? Request a personal quote or call (740) 642-3333.
Leave a short note and an agent will follow up, or call us and we will walk you through it.
