Home Insurance in Columbus, Ohio

Protect Your Home with Confidence

Your home is more than just a roof over your head—it’s your safe place, your investment, and where life happens. That’s why we offer home insurance designed to keep you protected from the unexpected, with options that make sense for homeowners. Whether you’ve just bought your first home or are looking to improve your current policy, we’re here to make home insurance simple and stress-free for families throughout Pataskala, Westerville, and beyond.

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What's Covered

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Dwelling Protection

Your home’s structure, covered from the ground up.

We help ensure that if your home is damaged by fire, storms, or other covered events, the cost to rebuild is taken care of.

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Personal Belongings

Everyday things that matter most.

Furniture, electronics, and valuables—your policy can help replace them if they’re stolen or destroyed.

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Liability Coverage

Coverage for life’s surprises.

If someone’s injured on your property, liability protection helps cover legal costs or medical bills.

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Loss of Use

We’ve got your back when you can’t stay home.

If damage makes your house unlivable, your policy can cover temporary living expenses like hotel stays and meals.

THE FERGUSON DIFFERENCE

Why Work with Ferguson Insurance Advisors?

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Locally Rooted

Based in Central Ohio, just like you.

We live and work here—our team understands the unique risks and needs of homeowners in your area.

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Clear, Honest Guidance

We make insurance easy to understand.

You’ll always know what you’re buying and why it matters—with no fine-print confusion.

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Responsive, Real Support

Questions answered fast. Claims handled right.

Whether you’re comparing quotes or filing a claim, we’re here every step of the way.

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Your home insurance questions, answered.

We’re here to help you navigate coverage options, discounts, and claims. Below are answers to common questions about home insurance policies and how they work.

  • What does home insurance typically cover?

    It usually covers your home’s structure, personal belongings, liability protection, and additional living expenses if you can’t stay in your home due to damage.

  • Do I need home insurance if I own my home outright?

    Yes—it’s the best way to protect your investment from risks like fire, theft, or natural disasters.

  • How is the cost of home insurance determined?

    Your rate depends on factors like your home’s age, location, building materials, claim history, and chosen coverage levels.

  • Is flood damage covered?

    Standard policies don’t include flood damage, but we can help you add separate flood coverage if you need it.

  • Can I customize my coverage?

    Absolutely. We’ll walk through your options to make sure your policy fits your home and your life.