family laying in the grass outside their home

Safe and Sound: A Home Insurance Policy That Protects Your World

Your home is more than just walls, doors, and windows. It’s where you store the memories that your family has made over the years. So, when it comes to home insurance, invest in a policy that’s tailor-made to protect everything you and your family have built.

At Dayton Ritz + Osborne Insurance, our experienced specialists put your well-being before anything else. 

Factors That Determine the Cost of Your Home Insurance and Insurance Premiums

Home insurance isn’t a luxury; it’s a necessity. It covers your home’s structure, protects your possessions, can help you temporarily relocate in times of crisis, and helps protect you from liability claims. There are several key factors that help determine your premium and insurance costs, including:

  • Your home’s location 
  • The possibility of being affected by natural disasters
  • The amount of coverage you need 
  • The deductible you’ve chosen 
  • Your home’s protective and preventive devices 
  • Your claims and/or bill-paying history
  • Your credit score (if permissible) 
  • The unique characteristics of your home (age of home, type of structure, condition of wiring and roof, presence or absence of a garage)
  • The type of coverage you choose
  • How long you’ve been a client
  • Other DRO products you might have that generate a discount when bundled

Added Benefits of Your Home Insurance Policy

After considering all those variables, our team will determine your coverage and premium rate, then explain the benefits of your coverage beyond the dollars and cents. 

Replacement Cost Coverage Takes Your Policy to the Next Level

Replacement Cost Coverage is your home’s coverage amount based on its replacement cost, or how much it would cost to rebuild it as is. If your home was destroyed for any reason, your policy would cover not only the total home value but any upgrades you’ve done, including  crown molding or high-end finishes you added to the house. It also takes into account the costs of materials, labor, architect and designer fees, lighting, and custom design finishes at the time of loss. Plus, with extended replacement coverage under DRO, we will pay to rebuild or restore your home after a covered loss, even if the cost exceeds your policy limits, which can include structural and safety improvements to keep up with updating building codes. 

Losing or rebuilding your home can be painful, but rest assured that DRO Insurance is here to provide you with the most comprehensive coverage to make the process as easy as possible for both you and your family. As part of the DRO family, your needs are our top priority.  

The Added Coverage You Deserve

As part of your home insurance policy under DRO, you can choose to opt in to our Extended Homeowners Coverage. These additional insurance precautions provide the added comfort and safety your family needs during this difficult time. 

Extended Replacement Cost

Extended Homeowners Coverage includes all the Extended Replacement Cost benefits described above. 

Risk Consulting

To ensure that you are fully protected, DRO’s risk consultants will document all the items and features that make your house a home. Our consultants are also qualified to advise on home security and fire prevention, which is provided as part of our complimentary home appraisals.

Replacement Loss Coverage

In the event that the items inside your home get damaged, DRO’s coverage replaces them, from upgraded appliances to custom cabinets, flooring, carpentry, and more. Plus, we’ll replace upgraded appliances with the identical or latest model available. We’ll make sure your belongings are covered for the amount it costs to replace them today, without deduction for depreciation, up to the limit you chose on your policy. And with DRO, you may choose to either replace your items or take a cash settlement.

Cash Settlement

In the event of a covered total loss, if you decide not to rebuild or to rebuild at another location, DRO offers a cash settlement up to your policy limit.

Temporary Living Arrangement

If your home is unlivable due to a covered loss and you need a temporary residence while your house is rebuilt, DRO will help you find a place to stay where you’ll be comfortable, whether that’s at a similar home in your area or a suitable hotel.

We Go Beyond

DRO’s home insurance policy includes extra coverages to help protect you during unexpected situations, ranging from tree removal after a storm, data recovery for a destroyed or compromised electronic device, or lock replacement if your keys are lost or stolen.

Contact DRO Today 

Dayton Ritz + Osborne offers comprehensive home insurance based on a thorough understanding of your needs and risks. With our disciplined approach, we’ll arrive at simple, elegant solutions to keep you and your family safe and supported. We are rigorous in our approach to service. While you’re always welcome to call us for any reason, chances are we’ll contact you first. Our professionals present the facts, our insights, and suggestions, answer your questions, then work with you to choose a course of action. If our process sounds like no-pressure tactics, that’s because it is.

For more information on our policies, call us at 631-324-0420 or contact us today.