Gavop's guide to buying homeowners insurance in Defiance County, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $37,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $103,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $99,500 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $136,500 | $120,000 | $100,000-$125,000 |
| 5 Bedroom | $215,000 | $190,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$115 | $523 |
| Superior Protection Discount | -$64 | $574 |
| Fire & Security Discount | -$57 | $581 |
| Hail Resistant Roof Discount | -$19 | $619 |
| Newly Constructed Home Discount | -$166 | $472 |
| 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 |
| Defiance County | $700 | $631 | $1,331 | $458 | $1,158 | $172 |
| Defiance County, OH | $1,500 | $631 | $2,131 | $458 | $1,958 | $172 |
| Tully, OH | $500 | $604 | $1,104 | $439 | $939 | $165 |
| Ottawa, OH | $1,000 | $646 | $1,646 | $469 | $1,469 | $176 |
| Fremont, IN | $500 | $786 | $1,286 | $572 | $1,072 | $215 |
| Venedocia, OH | $2,000 | $515 | $2,515 | $374 | $2,374 | $141 |
| Avilla, IN | $500 | $773 | $1,273 | $561 | $1,061 | $211 |
| Mount Cory, OH | $1,000 | $535 | $1,535 | $388 | $1,388 | $146 |
| Allen, MI | $400 | $708 | $1,108 | $515 | $915 | $194 |
| Aboite, IN | $1,500 | $807 | $2,307 | $586 | $2,086 | $220 |
| Noble County, IN | $500 | $766 | $1,266 | $556 | $1,056 | $209 |
| Ottawa Hills, OH | $1,500 | $931 | $2,431 | $676 | $2,176 | $254 |
| Home Insurance Company Defiance County, OH | Homeowners Insurance Agency Defiance County, OH | Address | Popularity Score | Distance from Defiance County (miles) |
|---|---|---|---|---|
| Erie | Rbi Insurance & Financial Services | 3421 N Holland Sylvania Road, Toledo, OH, 43615 | 48.5 | |
| Travelers | Walton Insurance Llc | 3307 N Holland Sylvania Rd #6, Toledo, OH, 43615 | 48.5 | |
| State Farm | Todd Riggs | 7109 W Central Ave, Toledo, OH, 43617-1116 | 46.9 | |
| Travelers | T R Williams Insurance Agency | 1319 N Main St Suite D, Findlay, OH, 45840 | 47.3 | |
| State Farm | Dave Walbom | 3520 Heatherdowns Blvd Ste 1, Toledo, OH, 43614-3668 | 48.7 | |
| State Farm | Joyce Aughenbaugh | 535 N Reynolds Rd Ste 101, Toledo, OH, 43615-5256 | 48.1 | |
| State Farm | Mike Buck | 6455 Monroe St, Sylvania, OH, 43560-1447 | 49.0 | |
| Allstate | Ahmad Rachidi | 1544 S Byrne Rd, Toledo, OH, 43614 | 48.9 | |
| State Farm | Doug Nicola | 945 E 2nd St, Defiance, OH, 43512-2386 | 7.9 | |
| Allstate | Jessica J. Hernandez | 1855 S Reynolds Rd Ste B, Toledo, OH, 43614 | 47.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Ohio | $135,100 | $712 | $510 | $1,020 | $510 |
| Defiance County, OH | $112,700 | $638 | $470 | $870 | $400 |
| Defiance County, OH | $112,700 | $638 | $430 | $890 | $460 |
| Tully, OH | $95,400 | $611 | $430 | $870 | $440 |
| Ottawa, OH | $168,000 | $654 | $460 | $910 | $450 |
| Fremont, IN | $113,700 | $796 | $570 | $1,090 | $520 |
| Venedocia, OH | $67,000 | $521 | $360 | $720 | $360 |
| Avilla, IN | $109,400 | $782 | $520 | $1,110 | $590 |
| Mount Cory, OH | $72,900 | $541 | $370 | $760 | $390 |
| Allen, MI | $97,600 | $717 | $480 | $1,020 | $540 |
| Aboite, IN | $181,300 | $816 | $560 | $1,120 | $560 |
| Noble County, IN | $114,500 | $775 | $560 | $1,070 | $510 |
| Ottawa Hills, OH | $269,900 | $942 | $630 | $1,310 | $680 |