Homeowners / Condo / Rental Insurance
Reliable Protection for Every Living Space

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Home, Condo & Renters Insurance in Miamisburg, Ohio

Local Coverage You Can Count On

At Nestor Insurance Agency, we know your home is more than just four walls—it’s where life happens. Whether you own a house, a condo, or rent an apartment, having the right insurance in place helps protect what matters most. As your local independent insurance agency right here in Miamisburg, we offer personalized coverage options from top-rated carriers, so you get the protection you need—without overpaying for what you don’t.

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Homeowners Insurance in Miamisburg, Ohio

Protection for Your Biggest Investment

Owning a home is a big milestone—and a big responsibility. Homeowners insurance (HO-3 policy) helps cover the cost of repairs, replacements, and liability if something unexpected happens.

    • Dwelling Coverage – Repairs or rebuilds your home after damage from fire, wind, or other covered events

    • Other Structures – Covers garages, sheds, and fences

    • Personal Property – Replaces belongings like furniture, electronics, and clothes

    • Liability Protection – Helps with legal fees if someone’s hurt on your property

    • Loss of Use – Pays for temporary housing if your home is unlivable

Why It Matters

Without homeowners insurance, you’d be on the hook for major out-of-pocket costs if disaster strikes. Plus, many lenders require coverage before closing on a mortgage. We’ll help you understand your options and make sure your policy fits your home, your life, and your budget.

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Condo Insurance in Miamisburg, Ohio

Peace of Mind Inside Your Unit

If you own a condo, the building's master policy usually only covers exterior walls and common areas. That’s where HO-6 condo insurance comes in—it fills in the gaps.

  • Interior Coverage – Walls, ceilings, floors, and upgrades like granite or hardwood

    • Personal Property – Protection for your belongings

    • Liability Protection – Covers injuries inside your unit

    • Loss of Use – Helps pay for housing if your condo becomes unlivable

    • Loss Assessment – Covers your share of damage to shared areas like roofs or hallways

Why it matters

Condo insurance gives you a safety net where the master policy stops. Whether it’s a kitchen upgrade or a burst pipe, we’ll help make sure you’re not left paying out of pocket.

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Renters Insurance in Miamisburg, Ohio

Affordable Coverage for What’s Yours

Renters insurance (HO-4 policy) is an easy, low-cost way to protect your stuff—and your peace of mind. Your landlord’s policy won’t cover your belongings if there’s a fire, theft, or water damage. That’s where we come in.

    • Personal Property – Pays to replace your items if they’re stolen or damaged

    • Liability Protection – Covers you if someone gets hurt in your rental

    • Loss of Use – Helps with hotel and food costs if you’re temporarily displaced

Why It Matters

For just a few bucks a month, renters insurance protects your valuables and shields you from costly lawsuits or living expenses. We’ll help you find the right plan without overpaying.

Whether you’re a new homeowner, long-time resident, or downsizing to a condo, we’re here to help you make sense of your insurance options. Call 937-866-6138 today or fill in the form below to schedule a no-cost, no-obligation consultation with a local agent you can trust.

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