Policy MM-HOME-2841 · Property
Homeowners — 418 Alder Street
ActiveHO-3 special form, written for the dwelling at 418 Alder Street, Columbus, OH 43215. Everything this policy does — and does not — pay for is listed below.
Where this policy term stands
Day 232 of 365
Term began
Nov 1, 2025
Inspection verified
Dec 12, 2025
Mid-term — you are here
Jun 20, 2026
Renewal offered by
Oct 2, 2026
Nothing is due from you right now. Your renewal offer will appear here at least 30 days before the term ends, with the new premium shown next to the current one — never buried in a PDF.
What this policy covers
Limits shown per occurrence unless noted. Your deductible applies before these limits.
| Coverage | Status | Limit |
|---|---|---|
Dwelling (Coverage A) Replacement cost, no depreciation | Covered | $485,000 |
What this policy does not cover
Listed in plain words so there are no surprises on a bad day. Full legal wording is in your policy booklet.
- Flooding from outside water (street, river, or storm surge). A separate flood policy is available through the National Flood Insurance Program.
- Earth movement, including earthquakes and sinkholes. An earthquake endorsement can be added for $9.80 per month.
- Wear, tear, and gradual deterioration — for example an aging roof wearing out rather than storm damage to it.
- Business activity run from the home beyond $2,500 of equipment. A home-business rider covers more.
Documents
- Download
Declarations page — 2025–2026 term
PDF · 1.2 MB · Issued Nov 1, 2025
- Download
Home inspection report
PDF · 4.8 MB · Verified Dec 12, 2025
- Download
Policy booklet HO-3 (full legal wording)
PDF · 2.1 MB · 42 pages