Gavop shows you how to buy homeowners insurance in Miami 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 | $50,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $115,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $199,000 | $160,000 | $175,000-$200,000 |
| 4 Bedroom | $268,000 | $220,000 | $300,000-$350,000 |
| 5 Bedroom | $314,000 | $290,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$126 | $573 |
| Superior Protection Discount | -$70 | $629 |
| Fire & Security Discount | -$49 | $650 |
| Hail Resistant Roof Discount | -$14 | $684 |
| Newly Constructed Home Discount | -$154 | $545 |
| 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 |
| Miami County | $1,000 | $690 | $1,690 | $501 | $1,501 | $189 |
| Miami County, OH | $700 | $690 | $1,390 | $501 | $1,201 | $189 |
| Brookville, OH | $300 | $615 | $915 | $447 | $747 | $168 |
| Lewisburg, OH | $2,000 | $618 | $2,618 | $449 | $2,449 | $169 |
| Centerville, OH | $400 | $664 | $1,064 | $482 | $882 | $181 |
| St. Marys, OH | $1,000 | $613 | $1,613 | $445 | $1,445 | $167 |
| Lake Lakengren, OH | $300 | $665 | $965 | $483 | $783 | $182 |
| Gibson, OH | $1,500 | $740 | $2,240 | $538 | $2,038 | $202 |
| Saratoga, IN | $100 | $469 | $569 | $341 | $441 | $128 |
| Liberty, OH | $1,000 | $740 | $1,740 | $538 | $1,538 | $202 |
| Bearcreek, IN | $500 | $699 | $1,199 | $508 | $1,008 | $191 |
| West Jefferson, OH | $1,000 | $687 | $1,687 | $499 | $1,499 | $188 |
| Home Insurance Company Miami County, OH | Homeowners Insurance Agency Miami County, OH | Address | Popularity Score | Distance from Miami County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Carr Insurance Group | 115 S Market St, Troy, OH, 45373 | 1.7 | |
| Liberty Mutual Independent | Elliott Insurance Agency | 1317 E High St, Springfield, OH, 45505 | 25.0 | |
| State Farm | Zack Jacobs | 16 S Tippecanoe Dr, Tipp City, OH, 45371-1139 | 6.9 | |
| State Farm | Lisa Cano | 2315 W Main St, Troy, OH, 45373-8484 | 1.1 | |
| Allstate | Patty Rose | 220 W Main St, Troy, OH, 45373 | 1.5 | |
| State Farm | Roger Crisp | 6022 Old Troy Pike, Huber Heights, OH, 45424-3643 | 15.4 | |
| Erie | Daymont-Souders Insurance Agency Inc. | 7227 Taylorsville Road, Dayton, OH, 45424 | 14.8 | |
| State Farm | Heath Murray | 725 W Market St, Troy, OH, 45373-3003 | 1.7 | |
| Farmers | Paul Wright | 101 E Main St Ste A, Medway, OH, 45341 | 16.6 | |
| State Farm | Travis L. Trice | 1601 Needmore Rd Ste 4, Dayton, OH, 45414-3848 | 16.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Ohio | $135,100 | $712 | $520 | $1,010 | $490 |
| Miami County, OH | $138,900 | $698 | $510 | $960 | $450 |
| Miami County, OH | $138,900 | $698 | $470 | $980 | $510 |
| Brookville, OH | $116,900 | $622 | $420 | $860 | $440 |
| Lewisburg, OH | $100,500 | $626 | $450 | $860 | $410 |
| Centerville, OH | $180,500 | $672 | $480 | $950 | $470 |
| St. Marys, OH | $116,100 | $620 | $420 | $860 | $440 |
| Lake Lakengren, OH | $118,500 | $673 | $480 | $920 | $440 |
| Gibson, OH | $153,000 | $749 | $520 | $1,040 | $520 |
| Saratoga, IN | $38,800 | $475 | $340 | $670 | $330 |
| Liberty, OH | $238,200 | $749 | $530 | $1,030 | $500 |
| Bearcreek, IN | $88,500 | $707 | $520 | $980 | $460 |
| West Jefferson, OH | $127,700 | $695 | $470 | $990 | $520 |