Homeowners Insurance in Mount Vernon OH

Need Homeowners Insurance in Mount Vernon, Ohio?

newly insured home in Mount Vernon, Ohio

If you’re like most homeowners in or near Mount Vernon, your home is your most valuable asset. 

When your home is damaged or destroyed, you need an insurance company to help you settle your claim. An insurance partner that understands the importance of protecting your home.

Dumbaugh Insurance can help you find the best homeowners insurance that will meet your needs. Our insurance team and agents provide the most valuable combination of tailored coverage, quality service, and competitive pricing.

Note: If you are looking for homeowners insurance for a rental property or a home that is unoccupied, you can’t use traditional homeowners insurance. 

You need a specialty dwelling policy, which we can also help you with.

Why Choose an Independent Insurance Agency

If you’re not using a qualified independent agent in Mount Vernon––like us–– it can be difficult or impossible to tell the difference between two homeowners insurance policies.

No two homeowners insurance policies are created equal. 

Different insurance companies offer different levels of coverage, different endorsements and riders, and different conditions and limitations.

As an independent insurance agency, Dumbaugh Insurance takes your current coverages and compares them with multiple insurance providers to see who offers you the best deal possible on your homeowner’s insurance policy.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. 

It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own.

Our Mount Vernon home insurance agents can help you find the right insurance policy, whether it’s a comprehensive policy that covers losses such as:

  • Fire;
  • Hail;
  • Smoke;
  • Falling objects;
  • Vandalism;
  • Theft of personal property;

Or a policy that covers only specified losses.

Get a free quote in just minutes.

Common Home Insurance Coverages

New homeowners and family members unpack in new home in Mount Vernon, Ohio

These are some common coverages you typically see on a policy:


This is the part of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Other Structures

This covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. 

Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property

This covers all of your personal belongings like clothing, furniture, electronics, and appliances—basically anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use

This covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

Medical Expense

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Personal Liability

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. 

The coverage generally applies anywhere in the world. 

When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property Insurance

There are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc.

Talk to Our Homeowners Insurance Agents in Mount Vernon for a Free Quote

Portrait of family recently moved into Mount Vernon home

Every home is unique and therefore requires a carefully crafted home insurance policy.

If you’d like us to review your current policy and provide you with no-obligation quotes, call to talk with a Mount Vernon homeowners insurance agent at 740-397-1234 or click over to our Quotes page today to get the process started.

Frequently Asked Questions

What Other Types of Insurance Plans Do You Offer?

In terms of family and personal insurance policies, we offer our clients: 

Do You Offer Business Insurance As Well?


We have policies that can suit small, mid, or large businesses and corporations––of any size––with flexible policies to meet your business insurance needs: 

Why Choose Us for Your Mount Vernon Homeowner’s Insurance Policy?

We’ve been one of the most trusted, family-owned insurance agencies in the state of Ohio since 1939. 

And with an independent insurance provider like ours, you get access to more options––giving you access to the coverage you need. 

With larger agencies, you’re limited to one brand of insurance. You don’t have the ability to compare other brands, inclusions, and prices—but our agency does.

Our agency represents an array of different insurance companies, so you can compare prices and coverage to find the best possible policy for you. 

Speak with Our Agents and Get a Free Quote Today

Ready to protect your home?

Put your insurance policy in the hands of one of the most trusted insurance agencies in Mount Vernon and across the state of Ohio. 

Contact our Mount Vernon office at (740) 397-1234 or start a quote with us here, in seconds.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Dumbaugh Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!

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