Gavop shows you how to buy homeowners insurance in Berne, 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 | $50,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $71,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $161,500 | $130,000 | $175,000-$200,000 |
| 4 Bedroom | $184,000 | $160,000 | $200,000-$250,000 |
| 5 Bedroom | $201,500 | $170,000 | $175,000-$200,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$61 | $614 |
| Home and Two Car | -$108 | $566 |
| Home and Three Car | -$162 | $512 |
| 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 |
| Fairfield County | $700 | $747 | $1,447 | $543 | $1,243 | $204 |
| Berne, OH | $2,000 | $666 | $2,666 | $484 | $2,484 | $182 |
| Saltcreek, OH | $100 | $755 | $855 | $549 | $649 | $206 |
| Lithopolis, OH | $700 | $805 | $1,505 | $585 | $1,285 | $220 |
| Hopewell, OH | $500 | $713 | $1,213 | $518 | $1,018 | $195 |
| The Plains, OH | $700 | $667 | $1,367 | $485 | $1,185 | $182 |
| Hamden, OH | $500 | $528 | $1,028 | $383 | $883 | $144 |
| Meigsville, OH | $2,000 | $638 | $2,638 | $464 | $2,464 | $174 |
| Jackson County, OH | $500 | $785 | $1,285 | $570 | $1,070 | $214 |
| Piketon, OH | $700 | $609 | $1,309 | $442 | $1,142 | $166 |
| Salisbury, OH | $200 | $691 | $891 | $502 | $702 | $189 |
| Kingston, OH | $2,000 | $935 | $2,935 | $679 | $2,679 | $255 |
| Home Insurance Company Berne, OH | Homeowners Insurance Agency Berne, OH | Address | Popularity Score | Distance from Berne (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Mitchell Insurance Agency Inc | 7450 Industrial Parkway, Plain City, OH, 43064 | 46.9 | |
| Nationwide | Ned Hodkinson | 111 Lois Lane, Pataskala, OH, 43062-6009 | 24.8 | |
| State Farm | Matt Breakey | 265 Lincoln Cir Ste D, Gahanna, OH, 43230-3084 | 30.5 | |
| Liberty Mutual Independent | Smudz Insurance Group Llc | 4449 Easton Way 2nd Fl, Columbus, OH, 43219 | 33.3 | |
| State Farm | Jim Fox | 121 W 6th Ave, Lancaster, OH, 43130-2587 | 5.4 | |
| Travelers | Loveless Insurance Agency Inc | 7245 Babbert Pl Ste A, Canal Winchester, OH, 43110 | 18.0 | |
| Allstate | Norm Risoya | 806 Bethel Rd, Columbus, OH, 43214 | 38.5 | |
| Nationwide | David K Sichko | 1885 W 5th Ave, Columbus, OH, 43212-2363 | 35.7 | |
| Erie | Tracy Insurance Agency | 1151 Bethel Road Suite 202, Columbus, OH, 43220 | 38.9 | |
| State Farm | Mike Egan | 616 Hebron Rd Ste B, Heath, OH, 43056-1444 | 26.9 |
| 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 |
| Fairfield County, OH | $168,500 | $756 | $550 | $1,070 | $520 |
| Berne, OH | $141,000 | $674 | $490 | $960 | $470 |
| Saltcreek, OH | $160,600 | $764 | $540 | $1,090 | $550 |
| Lithopolis, OH | $188,900 | $815 | $590 | $1,160 | $570 |
| Hopewell, OH | $139,600 | $722 | $490 | $1,030 | $540 |
| The Plains, OH | $119,400 | $675 | $460 | $960 | $500 |
| Hamden, OH | $70,900 | $534 | $360 | $740 | $380 |
| Meigsville, OH | $108,000 | $646 | $460 | $920 | $460 |
| Jackson County, OH | $93,900 | $794 | $560 | $1,090 | $530 |
| Piketon, OH | $97,000 | $616 | $450 | $840 | $390 |
| Salisbury, OH | $68,000 | $700 | $510 | $960 | $450 |
| Kingston, OH | $272,500 | $946 | $650 | $1,310 | $660 |