Homeowners Insurance That Covers What Matters
More Than a House—It’s Your Home
Your home is where life happens. It’s where memories are made, milestones are marked, and real life unfolds every day. That’s why our homeowners insurance policies are designed to protect more than just your property—they protect your peace of mind.
At Dwyer Insurance, we’ll help you understand your options clearly and find the right level of coverage for your home, your budget, and your needs. No fluff, no pressure—just real guidance from a team that knows London inside and out.
What Every Ohio Homeowner Should Know
Understanding your policy means fewer surprises down the road.
5 Key Tips for Home Insurance Confidence:
Know the Replacement Cost of Your Home
Don’t just insure the market value—make sure you can rebuild if needed.
Review What’s Covered (And What’s Not)
Standard policies may not cover floods, earthquakes, or high-value items. We’ll help you fill in the gaps.
Ask About Uninsured Motorist Coverage
Not everyone plays by the rules. This coverage protects you if you're hit by someone who’s not properly insured.
Understand Deductibles & Limits
We’ll explain how your choices affect your monthly premium and out-of-pocket costs when you file a claim.
Ready to feel confident in your car coverage? Let’s get rolling.
From everyday mishaps to unexpected surprises, we help protect what matters most.
What Our Homeowners Insurance Can Include
Personal liability coverage
Dwelling coverage
Personal property coverage
Additional living expenses
Enhance your coverage with flexible options that go beyond the basics—so your home and everything in it stays protected, no matter what life brings.
Optional Add-Ons for Extra Peace of Mind
Scheduled Personal Property
Water Backup Coverage
Equipment Breakdown
Identity Theft Protection
Common Homeowners Insurance Questions—Answered
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What does a standard home insurance policy cover?
It typically covers your home’s structure, personal belongings, liability protection, and additional living expenses if you’re temporarily displaced due to a covered event like fire, theft, or storm damage.
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Does home insurance cover natural disasters?
Home insurance typically covers certain natural disasters like wind, hail, and fire, but events like floods and earthquakes usually require separate policies or endorsements.
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How is the cost of my home insurance determined?
Your premium is based on factors like the value and age of your home, location, coverage limits, deductible, claim history, and any optional add-ons or discounts you choose.
What You’ll Need to Get a Home Insurance Quote
Getting started is easy—here’s what we’ll ask for:
Property address and basic home details
Year built and square footage of the home
Roof type and age, plus updates to major systems
Estimated value of personal belongings
