Potomac Insurance Agency
3017 Sudbury Dr, Ste B, Kettering, OH 45420
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Kettering households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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3017 Sudbury Dr, Ste B, Kettering, OH 45420
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2212 S. Patterson Blvd, Kettering, OH 45409
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3809 Wilmington Pike, Ste 100, Kettering, OH 45429
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4080 Marshall Rd, Kettering, OH 45429
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Learn about insurance coverage options specific to Kettering residents.
Yes, tornado damage is covered under the wind damage provision of standard homeowners policies in Ohio. However, you may have a separate wind/hail deductible that's higher than your standard deductible, often 1-5% of your dwelling coverage rather than a flat dollar amount. Review your policy declarations page to understand what you'd pay out of pocket after a tornado.
Home insurance premiums vary based on your specific home's age, construction type, roof condition, claims history, credit score, and coverage limits. An older home with a 20-year-old roof will cost more to insure than a new build with impact-resistant shingles. Your neighbor might also have a higher deductible, fewer coverage endorsements, or qualify for discounts you're not receiving.
Most Kettering homes aren't in FEMA-designated flood zones, so flood insurance isn't required by mortgage lenders. However, localized flooding can occur in any area, especially near creeks or in low-lying spots with poor drainage. A standard flood policy through the National Flood Insurance Program costs around $400-700 annually for homes outside high-risk zones, which might be worth it for peace of mind.
Your dwelling coverage should equal the full replacement cost of rebuilding your home at today's construction costs, not your home's market value or purchase price. With median home prices around $260,000 in Kettering and construction costs rising, many homes need $200,000-$400,000 in dwelling coverage depending on size and features. An insurance agent can provide a replacement cost estimate, but review it annually as construction costs fluctuate.
Yes, your homeowners insurance covers damage to your property regardless of whose tree caused it. Your insurer will pay for repairs under your dwelling coverage, minus your deductible. Your insurance company may then seek reimbursement from your neighbor's insurer if the tree was dead, diseased, or clearly hazardous and the neighbor was negligent in maintaining it.
Common discounts include bundling home and auto insurance (15-25% savings), installing monitored security or fire alarm systems (5-15%), being claims-free for 3-5 years (10-20%), and raising your deductible. Some insurers also offer discounts for new roofs, updated electrical or plumbing systems, gated communities, and even for being a long-term customer.
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