Homeowners Insurance in Poland, Youngstown & the Mahoning Valley
Your home is likely your biggest investment and the center of your family’s life. We treat every policy as if it were our own home, comparing coverage from multiple top carriers and explaining what really matters before you need to file a claim.
What Homeowners Insurance Covers
Dwelling
Repairs or rebuilds your house after covered losses like fire, wind, hail or a fallen tree.
Other Structures
Detached garages, pole barns, sheds and fences on your property.
Personal Property
Your furniture, clothing, electronics and other belongings, at home or away.
Loss of Use
Helps pay for a place to stay and extra living costs if your home can’t be lived in after a covered loss.
Personal Liability
Protects you if someone is injured on your property or you accidentally damage someone else’s.
Medical Payments
Covers minor injuries to guests regardless of fault.
Coverage Gaps We Help You Close
- Water backup: Sump pump failures are common in Northeast Ohio basements and are usually excluded unless you add this coverage.
- Replacement cost: Make sure your dwelling and belongings are insured for what it costs to rebuild and replace today, not their depreciated value.
- Valuables: Jewelry, firearms and collectibles often have low limits unless scheduled.
- Higher liability: An umbrella policy adds an extra layer of protection above your home and auto.
- Flood: Flood is excluded from standard home policies; separate flood coverage is available.
Why Homeowners Choose Moliterno Insurance
- We shop multiple carriers, so you’re not stuck with one company’s price or rules.
- A real review, not just a quote. We look at your rebuild cost, deductibles and endorsements so there are no surprises at claim time.
- Bundle and simplify with your auto, umbrella and farm coverage.
- Local and accessible. Our office is at 211 S Main St in Poland, and we answer the phone.
Renters, Condo & Landlord Coverage
Not a homeowner? We also offer renters and condo insurance and landlord coverage for rental properties.
Carriers We Work With
As an independent agency, we compare coverage and price across multiple insurance companies, including:
Did your home insurance go up at renewal?
Let us compare it against other carriers before you renew. Free, no-pressure home insurance review.
Call 234-254-5660Request a Call BackFrequently Asked Questions
Why did my home insurance go up in Ohio?
Higher construction and labor costs, more frequent storm and hail claims, and inflation in home values have pushed premiums up across Ohio. We can review your renewal, confirm your rebuild cost is accurate, and compare it with other carriers.
Does homeowners insurance cover a flooded basement?
Water that backs up through a drain or sump pump is usually excluded unless you add water backup coverage. Flooding from rising surface water requires a separate flood policy. We’ll help you decide which coverage makes sense for your home.
How much homeowners insurance do I need?
Your dwelling coverage should reflect the cost to rebuild your home with similar materials, which can be very different from its market value. We use replacement-cost estimating tools to help set the right amount.
What deductible should I choose?
A higher deductible lowers your premium but increases what you pay out of pocket on a claim. Many carriers also use a separate wind/hail deductible. We’ll show you the price difference so you can choose what fits your budget.
Can I bundle my home and auto?
Yes. Most of our carriers offer a multi-policy discount, and having both with one agent makes service and claims simpler.
Do you insure older homes or homes in rural areas?
Yes. We work with several carriers, which gives us more options for older homes, rural properties and homes with outbuildings.
Coverage, discounts and availability vary by carrier and are subject to underwriting. This page is general information, not a policy contract.