Gavop's guide to buying homeowners insurance in Rome, OH covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Rome, OH - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Twp Rd 1375, Harriet Ave, Pvt Drive 635, Twp Rd 1148, Pvt Drive 1142, Twp Rd 1165, Twp Rd 1239, Twp Rd 194E, Twp Rd 1089, Twp Rd 1385 | $109,500 | $100,000 | $100,000-$125,000 | $87,000 | $70,000 | $75,000-$100,000 |
| Five Mile Creek Rd, Pvt Drive 601, Twp Rd 1134, Twp Rd 1248, Twp Rd 1170, Molter Dr, Pvt Drive 1250, Scott Dr, Old State Rte 7, Lakeland Dr | $100,000 | $90,000 | $100,000-$125,000 | $99,500 | $90,000 | $75,000-$100,000 |
| Wilkes Ln, Reeves Creek Rd, Twp Rd 86, Twp Rd 1239, Twp Rd 1175, 2nd St, Co Rd 411, Pvt Drive 591, Twp Rd 1222, Reece Hill-Middle Paddy Rd | $135,500 | $110,000 | $125,000-$150,000 | $132,500 | $110,000 | $100,000-$125,000 |
| Wolf Creek-Pleasant Ridge Rd, la Belle-Bartramsville Rd, 5th Ave, Pvt Dr 13170, 6th Ave, Big Paddy Rd S, Irene Rd, Twp Rd 1212, Miller Cir, Ash St | $142,500 | $130,000 | $150,000-$175,000 | $124,000 | $110,000 | $125,000-$150,000 |
| Green Valley Dr, Charles Dr, Co Rd 411, Twp Rd 1247, Twp Rd 1055, Cherry Ln, Twp Rd 176, Twp Rd 1293, Twp Rd 1254, Co Rd 67 | $178,500 | $160,000 | $175,000-$200,000 | $71,500 | $60,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $567 |
| Superior Protection Discount | -$69 | $623 |
| Fire & Security Discount | -$76 | $616 |
| Hail Resistant Roof Discount | -$21 | $671 |
| Newly Constructed Home Discount | -$166 | $526 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Lawrence County | $1,500 | $602 | $2,102 | $437 | $1,937 | $164 |
| Rome, OH | $1,500 | $684 | $2,184 | $497 | $1,997 | $187 |
| Huntington, WV | $500 | $639 | $1,139 | $465 | $965 | $175 |
| Salt Rock, WV | $700 | $770 | $1,470 | $559 | $1,259 | $210 |
| Grayson, KY | $400 | $687 | $1,087 | $499 | $899 | $188 |
| Webbville, KY | $700 | $590 | $1,290 | $429 | $1,129 | $161 |
| Tygarts Valley, KY | $300 | $721 | $1,021 | $524 | $824 | $197 |
| Graham, WV | $2,500 | $592 | $3,092 | $430 | $2,930 | $162 |
| Rand, WV | $300 | $490 | $790 | $356 | $656 | $134 |
| Kermit Harvey, WV | $2,000 | $551 | $2,551 | $401 | $2,401 | $151 |
| Hamden, OH | $100 | $528 | $628 | $383 | $483 | $144 |
| Home Insurance Company Rome, OH | Homeowners Insurance Agency Rome, OH | Address | Popularity Score | Distance from Rome (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Saunders Insurance Agency | 437 2nd Avenue, Gallipolis, OH, 45631 | 21.2 | |
| Erie | Patrick Insurance Agency | 301 S 3rd Street Suite 144, Ironton, OH, 45638 | 18.8 | |
| Liberty Mutual Independent | Sheward Insurance Agency | 738 E Main St, Jackson, OH, 45640 | 39.3 | |
| Allstate | Portia Spradlin | 327 Vernon St, Ironton, OH, 45638 | 18.7 | |
| State Farm | Barney Apel | 8364 Hayport Rd, Wheelersburg, OH, 45694-1761 | 31.5 | |
| Allstate | Ritch Coe | 13466 State Route 7, Proctorville, OH, 45669 | 2.1 | |
| Travelers | Dick Spencer Insurance Agency Llc | 926 Gay St, Portsmouth, OH, 45662 | 38.5 | |
| State Farm | Javie Staggs | 11461 County Road 1 Unit A, Chesapeake, OH, 45619-7010 | 9.3 | |
| Allstate | Portia Spradlin | 4055 Rhodes Ave Ste 101, New Boston, OH, 45662 | 36.0 | |
| State Farm | Dan Dailey | 219 Church St, Jackson, OH, 45640-1729 | 40.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Ohio | $135,100 | $712 | $480 | $1,010 | $530 |
| Lawrence County, OH | $101,500 | $609 | $410 | $870 | $460 |
| Rome, OH | $150,400 | $692 | $490 | $960 | $470 |
| Huntington, WV | $95,200 | $647 | $440 | $930 | $490 |
| Salt Rock, WV | $131,100 | $779 | $540 | $1,070 | $530 |
| Grayson, KY | $110,600 | $696 | $500 | $980 | $480 |
| Webbville, KY | $60,000 | $597 | $410 | $820 | $410 |
| Tygarts Valley, KY | $86,900 | $730 | $500 | $1,030 | $530 |
| Graham, WV | $76,800 | $599 | $410 | $830 | $420 |
| Rand, WV | $52,500 | $496 | $340 | $680 | $340 |
| Kermit Harvey, WV | $66,600 | $558 | $370 | $770 | $400 |
| Hamden, OH | $70,900 | $534 | $370 | $730 | $360 |