When deciding what insurance to buy for your home, consider looking into the history of the weather in the area you live. For those of us who live in Ohio, here is a list of disasters from 1956 to present.

When you know the kind of disaster as well as frequency of that disaster, you can then make an educated decision on the types of insurance to purchase for your home. If you are not able to find the history and frequency of disasters in your area, ask your insurance agent for more information on this subject.