Gavop shows you how to buy homeowners insurance in Ottawa County, OH by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $52,000 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $99,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $178,500 | $170,000 | $175,000-$200,000 |
| 4 Bedroom | $230,500 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $216,000 | $190,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $577 |
| Superior Protection Discount | -$64 | $648 |
| Fire & Security Discount | -$50 | $662 |
| Hail Resistant Roof Discount | -$21 | $691 |
| Newly Constructed Home Discount | -$206 | $506 |
| 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 |
| Ottawa County | $1,000 | $703 | $1,703 | $511 | $1,511 | $192 |
| Ottawa County, OH | $700 | $703 | $1,403 | $511 | $1,211 | $192 |
| Put-in-Bay, OH | $300 | $1,122 | $1,422 | $816 | $1,116 | $307 |
| Hessville, OH | $1,500 | $530 | $2,030 | $385 | $1,885 | $145 |
| Milan, OH | $100 | $752 | $852 | $546 | $646 | $205 |
| South Monroe, MI | $1,500 | $731 | $2,231 | $531 | $2,031 | $200 |
| Vermilion, OH | $400 | $651 | $1,051 | $473 | $873 | $178 |
| Tymochtee, OH | $1,000 | $754 | $1,754 | $548 | $1,548 | $206 |
| Riga, MI | $500 | $750 | $1,250 | $545 | $1,045 | $205 |
| Sheffield, OH | $1,500 | $814 | $2,314 | $592 | $2,092 | $222 |
| Blissfield, MI | $200 | $728 | $928 | $529 | $729 | $199 |
| Crane, OH | $2,500 | $572 | $3,072 | $415 | $2,915 | $156 |
| Home Insurance Company Ottawa County, OH | Homeowners Insurance Agency Ottawa County, OH | Address | Popularity Score | Distance from Ottawa County (miles) |
|---|---|---|---|---|
| Travelers | Battles Insurance Agency Inc | 15 Whittlesey Ave, Norwalk, OH, 44857 | 29.4 | |
| Travelers | Battles Insurance Agency Inc | 15 Whittlesey Ave, Norwalk, OH, 44857 | 29.3 | |
| Erie | Budzinski Insurance Llc | 4334 W Central Ave Ste 224 , Toledo, OH, 43615 | 34.0 | |
| Erie | Walter E Matthews & Associates Inc. | 1327 5th St, Sandusky, OH, 44870 | 18.0 | |
| State Farm | Trish Mccartney | 1848 E Perry St Ste 120, Port Clinton, OH, 43452-1442 | 5.7 | |
| State Farm | Todd Puckett | 2419 E Perkins Ave Ste D, Sandusky, OH, 44870-7998 | 20.0 | |
| State Farm | Mike Ivan | 604 Ford St Ste A, Maumee, OH, 43537-1913 | 33.9 | |
| Allstate | Tamara Thornton | 5954 Renaissance Pl, Toledo, OH, 43623 | 36.4 | |
| State Farm | Gerry Gatten | 6815 Lake Avenue, Elyria, OH, 44035-2149 | 46.8 | |
| State Farm | Jeff Lucas | 3708 Columbus Ave Ste 6, Sandusky, OH, 44870-5776 | 19.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Ohio | $135,100 | $712 | $510 | $1,010 | $500 |
| Ottawa County, OH | $145,400 | $712 | $510 | $1,000 | $490 |
| Ottawa County, OH | $145,400 | $712 | $510 | $980 | $470 |
| Put-in-Bay, OH | $364,600 | $1,136 | $820 | $1,600 | $780 |
| Hessville, OH | $71,500 | $536 | $360 | $750 | $390 |
| Milan, OH | $158,700 | $761 | $520 | $1,070 | $550 |
| South Monroe, MI | $111,900 | $740 | $500 | $1,030 | $530 |
| Vermilion, OH | $134,100 | $659 | $440 | $940 | $500 |
| Tymochtee, OH | $159,800 | $763 | $530 | $1,090 | $560 |
| Riga, MI | $124,600 | $759 | $540 | $1,070 | $530 |
| Sheffield, OH | $194,800 | $824 | $600 | $1,150 | $550 |
| Blissfield, MI | $110,000 | $737 | $520 | $1,010 | $490 |
| Crane, OH | $99,200 | $578 | $400 | $800 | $400 |