Ohio DP-3 landlord checks
- Tenant-occupied, vacant, seasonal, and short-term rental uses should be separated.
- Premises liability and fair-rental-value limits should be reviewed together.
- Ownership name should line up with the deed, lease, and policy evidence.
- Wind or hail wording in Ohio can affect the deductible, roof settlement, and inspection follow-up.
- Freeze exposure in Ohio makes winterization, plumbing updates, and vacancy wording worth reviewing.
DP-3 review questions
| Question | Why it matters |
|---|---|
| Is the property occupied now? | A vacant or renovation property may not qualify for the same quote. |
| What rental income is being protected? | Fair rental value should be visible, not assumed. |
| Are detached structures used by tenants? | Garages, sheds, and shared areas can change the exposure. |
| What inspection evidence is ready? | Photos and maintenance records can reduce back-and-forth. |
Practical note
A Ohio landlord quote should be reviewed beside the lease status, ownership name, and recent property photos.
Verify with official sources
Use current regulator and map information, then confirm the answer in the carrier’s quote and policy.