How Can I Make My Lorain, OH Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Lorain, OH by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Lorain, OH Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $50,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $88,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $134,500 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $247,000 | $230,000 | $200,000-$250,000 |
| 5 Bedroom | $115,500 | $100,000 | $75,000-$100,000 |
Estimate your Savings with Home Insurance Discounts in Lorain, OH | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$154 | $655 |
| Superior Protection Discount | -$81 | $727 |
| Fire & Security Discount | -$65 | $743 |
| Hail Resistant Roof Discount | -$16 | $792 |
| Newly Constructed Home Discount | -$162 | $646 |
Choose your Lorain, OH Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,733 |
| Physical Damage | $2,344 |
| Hail Damage | $4,571 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $16,218 |
Identify Top Home Insurance Agents near Lorain, OH | Back to Top
| Home Insurance Company Lorain, OH | Homeowners Insurance Agency Lorain, OH | Address | Popularity Score | Distance from Lorain (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Botson Insurance Group | 36480 Detroit Rd, Avon, OH, 44011 | 8.0 | |
| State Farm | Joe Billetz | 15567 Snow Rd, Brook Park, OH, 44142-2348 | 19.5 | |
| Allstate | Laura A. Buck | 32730 Walker Rd Ste C5, Avon Lake, OH, 44012 | 9.2 | |
| State Farm | Chip Wentz | 445 Avon Belden Rd Ste A1a, Avon Lake, OH, 44012-2258 | 9.2 | |
| Travelers | Dinsmoor Insurance Agency Inc | 177 Park Ave, Amherst, OH, 44001 | 3.7 | |
| State Farm | Amy Gaal | 39257 Center Ridge Rd, N Ridgeville, OH, 44039-2759 | 7.2 | |
| Allstate | Dawson Insurance | 1340 Depot St Ste 300, Cleveland, OH, 44116 | 18.1 | |
| State Farm | Paul Bucar | 944 E Wilbeth Rd, Akron, OH, 44306-3512 | 45.2 | |
| Farmers | Steve Romaniuk | 7550 Pearl Rd Ste E, Cleveland, OH, 44130 | 19.7 | |
| State Farm | Bob Malinak | 25586 Bagley Rd, Olmsted Falls, OH, 44138-1914 | 15.1 |
Compare Rates for Lorain, 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 | $490 | $980 | $490 |
| Lorain County, OH | $140,300 | $701 | $500 | $990 | $490 |
| Lorain, OH | $84,300 | $808 | $540 | $1,140 | $600 |
| Sheffield, OH | $194,800 | $824 | $570 | $1,180 | $610 |
| Florence, OH | $165,000 | $773 | $530 | $1,070 | $540 |
| Seven Hills, OH | $166,500 | $651 | $440 | $920 | $480 |
| Valley View, OH | $254,500 | $917 | $650 | $1,310 | $660 |
| Burbank, OH | $88,500 | $591 | $420 | $850 | $430 |
| Beachwood, OH | $283,500 | $810 | $550 | $1,160 | $610 |
| Hunting Valley, OH | $1,198,500 | $2,963 | $2,130 | $4,180 | $2,050 |
| Chippewa, OH | $150,100 | $692 | $460 | $990 | $530 |
| Marshallville, OH | $107,000 | $643 | $430 | $890 | $460 |
| Wayne County, OH | $140,100 | $701 | $470 | $990 | $520 |
Research Home Insurance Companies Reviews in Lorain, OH Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: July 24, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Luckily we have not had to make any claims on our home owners insurance but I do trust state farm as a company and I feel that they would be fair with us.
Date: March 31, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
When compared to Geico, my overall premium has been not only lower for a monthly policy but the deductible levels has also been been lowered.
Date: December 12, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
I haven't had any bad experiences with them and they always seem to help me when I have an issue and easy to reach and always call back when I need them to get a hold of me.
Auto Owners Insurance Home Insurance Reviews
Date: October 15, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
The policy premium is a good value, including our umbrella policy. Our deductible is the same as our previous insurer.
Date: October 13, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I've had them for years and I have never had any problems.
GEICO Home Insurance Reviews
Date: August 16, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
My premium is completely reasonable based on the price comparisons I had made at the time. It was the best plan for the least money.
Date: October 30, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Communication
They are always on top of their customer service. They call me, even when I don't have a problem just to check up on me and the coverage that I have.
USAA Home Insurance Reviews
Date: October 30, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
The customer service was excellent for our first claim (leaky roof). For the second claim (leaky pipe under kitchen sink) the adjuster was bad at returning our calls and bad at following up.
Nationwide Home Insurance Reviews
Date: February 06, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
I am going to say a 3 because I do feel that all insurance companies are the same, where one is better another might be not as good but be better with something else. I would say all in all it just depends what you need them for.