Gavop's guide to buying homeowners insurance in Hardin 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 | $52,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $102,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $104,500 | $80,000 | $100,000-$125,000 |
| 4 Bedroom | $171,500 | $150,000 | $125,000-$150,000 |
| 5 Bedroom | $358,000 | $320,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$129 | $679 |
| Superior Protection Discount | -$73 | $735 |
| Fire & Security Discount | -$81 | $727 |
| Hail Resistant Roof Discount | -$16 | $792 |
| Newly Constructed Home Discount | -$226 | $582 |
| 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 |
| Hardin County | $2,500 | $798 | $3,298 | $580 | $3,080 | $218 |
| Hardin County, OH | $1,500 | $798 | $2,298 | $580 | $2,080 | $218 |
| Lynn, OH | $200 | $644 | $844 | $468 | $668 | $176 |
| Kenton, OH | $1,500 | $685 | $2,185 | $498 | $1,998 | $187 |
| Upper Sandusky, OH | $500 | $680 | $1,180 | $494 | $994 | $186 |
| Dinsmore, OH | $1,000 | $710 | $1,710 | $516 | $1,516 | $194 |
| Cardington, OH | $300 | $618 | $918 | $449 | $749 | $169 |
| Elgin, OH | $2,500 | $408 | $2,908 | $297 | $2,797 | $112 |
| Hamler, OH | $400 | $566 | $966 | $411 | $811 | $155 |
| Darby, OH | $1,500 | $842 | $2,342 | $612 | $2,112 | $230 |
| Ridge, OH | $500 | $707 | $1,207 | $514 | $1,014 | $193 |
| Choctaw Lake, OH | $1,000 | $896 | $1,896 | $651 | $1,651 | $245 |
| Home Insurance Company Hardin County, OH | Homeowners Insurance Agency Hardin County, OH | Address | Popularity Score | Distance from Hardin County (miles) |
|---|---|---|---|---|
| Farmers | Deborah Rush | 1713 Marion Mount Gilead Rd Ste 205, Marion, OH, 43302 | 31.0 | |
| Erie | Newland Insurance Agency | 312 E Columbus Street, Kenton, OH, 43326 | 3.2 | |
| State Farm | Corey Frazer | 209 W Elm St, Lima, OH, 45801-4811 | 23.9 | |
| State Farm | Nathan Hinesman | 564 S Sandusky Ave, Bucyrus, OH, 44820-2626 | 37.5 | |
| Liberty Mutual Independent | Finkelmeier Insurance Agency Inc | 811 Redskin Trail, Wapakoneta, OH, 45895 | 29.0 | |
| State Farm | Matt Hatchel | 8884 Whitney Dr, Lewis Center, OH, 43035-8297 | 48.9 | |
| Allstate | Rachel Dean-Haas | 16 W Bridge St, Dublin, OH, 43017 | 48.4 | |
| State Farm | Craig Roberson | 240 W 5th St Ste B, Marysville, OH, 43040-1186 | 33.1 | |
| Allstate | Rosie Azzaro | 28 Grace Dr, Powell, OH, 43065 | 46.3 | |
| Erie | Tdm2 Insurance Agency | 2661 Bold Venture Drive, Lewis Center, OH, 43035 | 49.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Ohio | $135,100 | $712 | $510 | $980 | $470 |
| Hardin County, OH | $95,400 | $808 | $540 | $1,150 | $610 |
| Hardin County, OH | $95,400 | $808 | $540 | $1,140 | $600 |
| Lynn, OH | $110,200 | $652 | $440 | $930 | $490 |
| Kenton, OH | $77,600 | $694 | $480 | $960 | $480 |
| Upper Sandusky, OH | $95,700 | $688 | $470 | $960 | $490 |
| Dinsmore, OH | $138,600 | $719 | $520 | $1,010 | $490 |
| Cardington, OH | $100,300 | $625 | $460 | $890 | $430 |
| Elgin, OH | $38,800 | $413 | $300 | $570 | $270 |
| Hamler, OH | $82,700 | $573 | $400 | $800 | $400 |
| Darby, OH | $212,300 | $852 | $610 | $1,200 | $590 |
| Ridge, OH | $137,200 | $716 | $520 | $1,020 | $500 |
| Choctaw Lake, OH | $247,600 | $907 | $660 | $1,300 | $640 |