No, the state of Ohio does not require homeowners, condo or renters insurance. However, your mortgage company, Homeowners’ Association or landlord may require insurance as a condition of your loan, association standing or lease.

The average cost of homeowners insurance will vary by the amount of coverage needed and characteristics of your home, such as the age of the building or if it has custom construction or elaborate design.

Grange partners with independent agents to ensure you have the right coverage to fit your budget. An independent agent can suggest and explain coverages that you need.

To start shopping for insurance, it's important to first determine how much insurance you need to protect your home. Contact your independent agent for a detailed review of your insurance needs and to get an Ohio home insurance quote.

Typically, homeowners insurance does not cover foundation problems. There may be an exception if the foundation is damaged by a covered loss, such as a fire that destroys the entire home. Your independent agent can help explain what your policy will cover.

This depends on multiple factors. If the policy does cover mold, it will only cover up to the limits on the policy. Your independent agent can help explain what your policy will cover.