How Can I Make My Franklin, OH Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Franklin, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Franklin, OH Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $55,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $130,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $167,500 | $140,000 | $175,000-$200,000 |
| 4 Bedroom | $261,500 | $210,000 | $250,000-$300,000 |
| 5 Bedroom | $316,500 | $270,000 | $300,000-$350,000 |
Estimate your Savings with Home Insurance Discounts in Franklin, OH | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$96 | $588 |
| Superior Protection Discount | -$62 | $622 |
| Fire & Security Discount | -$75 | $609 |
| Hail Resistant Roof Discount | -$21 | $663 |
| Newly Constructed Home Discount | -$185 | $499 |
Choose the Right Deductible for your Franklin, OH Home | Back to Top
| 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 |
| Warren County | $700 | $798 | $1,498 | $580 | $1,280 | $218 |
| Franklin, OH | $2,500 | $676 | $3,176 | $491 | $2,991 | $185 |
| German, OH | $300 | $691 | $991 | $502 | $802 | $189 |
| Sugarcreek, OH | $1,500 | $856 | $2,356 | $622 | $2,122 | $234 |
| Deerfield, OH | $400 | $731 | $1,131 | $531 | $931 | $200 |
| Hamilton County, OH | $700 | $704 | $1,404 | $512 | $1,212 | $192 |
| Lake Lorelei, OH | $300 | $773 | $1,073 | $561 | $861 | $211 |
| Anderson, OH | $2,500 | $725 | $3,225 | $527 | $3,027 | $198 |
| Crestview, KY | $200 | $887 | $1,087 | $645 | $845 | $242 |
| Catawba, OH | $2,000 | $579 | $2,579 | $421 | $2,421 | $158 |
| Piner-Visalia, KY | $400 | $838 | $1,238 | $609 | $1,009 | $229 |
| Felicity, OH | $1,000 | $590 | $1,590 | $429 | $1,429 | $161 |
Identify Top Home Insurance Agents near Franklin, OH | Back to Top
| Home Insurance Company Franklin, OH | Homeowners Insurance Agency Franklin, OH | Address | Popularity Score | Distance from Franklin (miles) |
|---|---|---|---|---|
| State Farm | Marjorie Schaeffer | 1160 E Main St Apt A, Lebanon, OH, 45036-6450 | 10.0 | |
| Travelers | Kemba Insurance | 8763 Union Center Blvd, West Chester, OH, 45069 | 15.9 | |
| Erie | Patton Insurance Group | 8704 Highmount Dr , Springboro, OH, 45066 | 6.4 | |
| Travelers | Maddox Insurance Agency | 1300-G Cincinnati Dayton Rd, Middletown, OH, 45044 | 5.2 | |
| Nationwide | Jerry Kautzman | 3344 Westbourne Dr, Cincinnati, OH, 45248-5133 | 32.3 | |
| Travelers | Hauser Group | 8260 Northcreek Dr Ste 200, Cincinnati, OH, 45236 | 23.4 | |
| Allstate | Robert Ford | 689 Miamisburg Centerville Rd, Dayton, OH, 45459 | 9.0 | |
| State Farm | Duke Nguyen | 636 Northland Blvd Ste 240, Cincinnati, OH, 45240-3221 | 20.7 | |
| State Farm | Mark Neal | 779 Central Ave, Carlisle, OH, 45005-3318 | 3.1 | |
| State Farm | Jason Nemeth | 1008 N University Boulevard, Middletown, OH, 45042-3317 | 3.9 |
Compare Rates for Franklin, OH Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Ohio | $135,100 | $712 | $480 | $1,020 | $540 |
| Warren County, OH | $200,100 | $808 | $580 | $1,140 | $560 |
| Franklin, OH | $132,200 | $684 | $470 | $950 | $480 |
| German, OH | $154,400 | $699 | $480 | $960 | $480 |
| Sugarcreek, OH | $320,100 | $867 | $620 | $1,240 | $620 |
| Deerfield, OH | $230,800 | $740 | $530 | $1,020 | $490 |
| Hamilton County, OH | $145,800 | $713 | $520 | $1,010 | $490 |
| Lake Lorelei, OH | $169,900 | $782 | $560 | $1,090 | $530 |
| Anderson, OH | $225,700 | $733 | $520 | $1,000 | $480 |
| Crestview, KY | $130,500 | $898 | $620 | $1,270 | $650 |
| Catawba, OH | $86,800 | $586 | $420 | $830 | $410 |
| Piner-Visalia, KY | $168,400 | $848 | $580 | $1,160 | $580 |
| Felicity, OH | $90,600 | $597 | $440 | $820 | $380 |
Research Home Insurance Companies Reviews in Franklin, OH Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: July 10, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
My guess on this one is a 3. I don't know what other company deductibles are, so I have nothing to compare it to. I guess I am not satisfied, because I plan on switching to Progressive.
Date: March 31, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
They are a good home insurance company and I have never had a problem with them. Compared to other insurance companies I would say Allstate offers complete coverage where as some don't.
Progressive Home Insurance Reviews
Date: September 15, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
I honestly did not look into any other insurance providers when choosing renter's insurance, because we were offered a discount if we just bundled it with our car insurance, so I am unsure of other company's offerings.
Erie Insurance Home Insurance Reviews
Date: October 09, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Premium
My Erie Policy deductible is very competitively with other larger companies. I do price check Erie periodically and they are always the best price and do have the best service.I would rate them a 5.
Travelers Home Insurance Reviews
Date: November 17, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
I pay only $400 a year. My neighbors pay much more than that and they have the same type of house as me
Nationwide Home Insurance Reviews
Date: October 20, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Communication
Great communication I usually call rather go in person and they have always been great on the phone. They send out numerous emails and letters to keep me in informed as well.
State Farm Home Insurance Reviews
Date: October 21, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Premium
I have previously had other carriers. I have only had one carrier that I made a claim with so I really have nothing to compare to in that aspect. Thier premium is less with the same coverages as other carriers.