HOME INSURANCE
Home Insurance in Dover & New Philadelphia, Ohio
Farmers Insurance is our first choice when it's a good fit, but not every home qualifies for the same program. McKinnon Insurance Agency can explore other available homeowners insurance options through partners such as Openly, Liberty Mutual, Travelers and National General, subject to eligibility and availability. Our Dover and Navarre offices serve New Philadelphia and homeowners throughout Ohio.
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A home is where your belongings, routines, and people come together. We'll help you understand the coverage choices behind a homeowners policy, not just the price.
Four areas to review
Dwelling: The structure of your home after a covered loss.
Personal property: Furniture, clothing, electronics, and other eligible belongings.
Personal liability: Certain injuries or damage for which you may be legally responsible.
Additional living expenses: Eligible costs of living elsewhere while your home is repaired after a covered event.
Questions worth asking
How is the rebuilding amount determined? Are your belongings covered at replacement cost or actual cash value? What are the deductibles for wind or hail? Are there limits for jewelry or other valuables?
Flood and other risks may require separate coverage. Policy language determines what is and isn't covered; we'll help you identify the details to review.
What our customers say
Read selected Google review excerpts about coverage guidance, helpful answers, and personal service from McKinnon Insurance Agency.
Homeowners Insurance questions
Does homeowners insurance cover every type of water damage?
No. The source of water and the policy terms matter. Flood coverage generally requires separate protection, and sewer or drain backup may need an endorsement. Ask us to review these differences for your Ohio home.
Can you review a home outside Tuscarawas or Stark County?
Yes. We serve homeowners throughout Ohio from our Dover and Navarre offices. Property location, construction, roof condition and use help determine available coverage.
Ohio coverage help, with a local team
Work with our Dover office or Navarre office, whether you are nearby or elsewhere in Ohio. We serve customers in all 88 Ohio counties; product availability and underwriting still depend on your situation.
Meet the McKinnon team · Explore our Ohio service area · Request a Quote
Dover: 330-339-3431 · Navarre: 330-791-7866
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Coverage resources
These sources provide general product information. They do not confirm eligibility, the availability of every option through our agency, or coverage for a particular claim. Your issued policy and endorsements control coverage.
Page content updated September 30, 2026.