Gavop's guide to buying homeowners insurance in Shelby, 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.
| Shelby, 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 | |
| Leighty Ave, Roberts Dr, Washington St, Myers Rd, Mohican St, Lincoln Dr, Co Hwy 175, West St, Johns St, Country Meadows | $96,000 | $80,000 | $75,000-$100,000 | $129,500 | $110,000 | $150,000-$175,000 |
| Florida Ave, Twp Hwy 231, Twp Hwy 57, Richards Rd, Bowman St, Bucyrus St, Edgewood Dr, Railroad St, Shiloh Norwalk Rd, Ernsberger Rd | $145,000 | $120,000 | $125,000-$150,000 | $91,500 | $80,000 | $100,000-$125,000 |
| Twp Hwy 53, Co Hwy 72, Harriette Dr, Baker Rd, Earl Ave, Dinninger Rd, Twp Hwy 181, Kegley Rd, Mikey Rd, Springmill North Rd | $96,500 | $80,000 | $75,000-$100,000 | $91,000 | $90,000 | $100,000-$125,000 |
| Co Hwy 207, Fenner Rd, Walnut St, Scott St, E Gaylord Ave, Oesch Ln, Plymouth St, Amoy West Rd, Co Hwy 90, Pearl St | $171,500 | $150,000 | $150,000-$175,000 | $132,000 | $110,000 | $100,000-$125,000 |
| Co Hwy 215, London West Rd, Chesrown Rd W, Norman Dr, N 3rd St, Twp Hwy 54, W High St, Mills Ave, Boyce Rd, Twp Hwy 229 | $115,500 | $100,000 | $100,000-$125,000 | $103,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$104 | $590 |
| Superior Protection Discount | -$69 | $624 |
| Fire & Security Discount | -$49 | $645 |
| Hail Resistant Roof Discount | -$21 | $673 |
| Newly Constructed Home Discount | -$187 | $506 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,344 |
| Hail Damage | $4,571 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $17,222 |
| Home Insurance Company Shelby, OH | Homeowners Insurance Agency Shelby, OH | Address | Popularity Score | Distance from Shelby (miles) |
|---|---|---|---|---|
| Allstate | Jamie Bennett | 25 N Gamble St, Shelby, OH, 44875 | 0.3 | |
| Travelers | Gildenmeister Insurance Services | 2531 Columbus Ave , Sandusky, OH, 44870 | 37.8 | |
| Erie | Rexroad Insurance | 183 High Street, Wadsworth, OH, 44281 | 49.6 | |
| Erie | Welty Financial Services | 2100 Oak Harbor Rd , Fremont, OH, 43420 | 42.1 | |
| Allstate | Maureen Dabbieri | 5041 Victor Dr Ste B, Medina, OH, 44256 | 47.2 | |
| Allstate | Douglas Neighbors | 1367 Park Ave W # B, Ontario, OH, 44906 | 9.9 | |
| Erie | C & S Insurance Agency Inc. | 1456 Park Avenue W Suite D, Mansfield, OH, 44906 | 9.8 | |
| State Farm | Brian Gates | 2021 Park Ave W Ste 100, Ontario, OH, 44906-2259 | 9.4 | |
| Farmers | Daniel Tucker | 785 Pearl Rd, Brunswick, OH, 44212 | 49.7 | |
| State Farm | Paul Gnall | 4336 Grafton Rd, Brunswick, OH, 44212-2002 | 49.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Ohio | $135,100 | $712 | $480 | $980 | $500 |
| Richland County, OH | $103,700 | $615 | $440 | $850 | $410 |
| Shelby, OH | $93,700 | $694 | $460 | $990 | $530 |
| Lykens, OH | $107,100 | $644 | $440 | $900 | $460 |
| Mount Gilead, OH | $106,000 | $641 | $440 | $880 | $440 |
| Seneca County, OH | $98,600 | $601 | $430 | $820 | $390 |
| Ashley, OH | $95,200 | $610 | $420 | $870 | $450 |
| Centerburg, OH | $152,800 | $749 | $550 | $1,070 | $520 |
| Stony Prairie, OH | $95,100 | $610 | $420 | $850 | $430 |
| Port Clinton, OH | $110,100 | $605 | $440 | $850 | $410 |
| Lorain, OH | $84,300 | $808 | $550 | $1,110 | $560 |
| Lindsey, OH | $106,400 | $642 | $430 | $910 | $480 |
| Risingsun, OH | $74,800 | $547 | $390 | $770 | $380 |