Gavop's guide to buying homeowners insurance in Independence, 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 | $73,500 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $214,000 | $200,000 | $200,000-$250,000 |
| 3 Bedroom | $228,500 | $200,000 | $200,000-$250,000 |
| 4 Bedroom | $275,000 | $240,000 | $250,000-$300,000 |
| 5 Bedroom | $388,500 | $360,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $612 |
| Superior Protection Discount | -$74 | $664 |
| Fire & Security Discount | -$81 | $656 |
| Hail Resistant Roof Discount | -$15 | $723 |
| Newly Constructed Home Discount | -$148 | $590 |
| 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 |
| Cuyahoga County | $2,000 | $657 | $2,657 | $478 | $2,478 | $180 |
| Independence, OH | $1,000 | $729 | $1,729 | $530 | $1,530 | $199 |
| Warrensville Heights, OH | $300 | $674 | $974 | $490 | $790 | $184 |
| Linndale, OH | $2,000 | $446 | $2,446 | $324 | $2,324 | $122 |
| Mayfield Heights, OH | $500 | $672 | $1,172 | $488 | $988 | $184 |
| Montrose-Ghent, OH | $2,000 | $1,025 | $3,025 | $745 | $2,745 | $280 |
| Liverpool, OH | $100 | $765 | $865 | $556 | $656 | $209 |
| Munroe Falls, OH | $2,000 | $689 | $2,689 | $501 | $2,501 | $188 |
| Auburn, OH | $400 | $817 | $1,217 | $593 | $993 | $223 |
| Lake, OH | $2,500 | $652 | $3,152 | $474 | $2,974 | $178 |
| Wakeman, OH | $400 | $725 | $1,125 | $527 | $927 | $198 |
| Kidron, OH | $2,500 | $769 | $3,269 | $559 | $3,059 | $210 |
| Home Insurance Company Independence, OH | Homeowners Insurance Agency Independence, OH | Address | Popularity Score | Distance from Independence (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Ez2insure Llc | 3800 Lakeside Ave E Ste 100, Cleveland, OH, 44114 | 9.7 | |
| Travelers | Summit Insurance Agency | 5170 Darrow Rd, Hudson, OH, 44236 | 15.7 | |
| State Farm | Toni Sober | 24700 Chagrin Blvd Ste 302, Beachwood, OH, 44122-5630 | 8.9 | |
| Farmers | Francis Zummo | 12235 York Rd Ste G, North Royalton, OH, 44133 | 7.5 | |
| Allstate | Nanci Williford | 4719 State Rd, Cleveland, OH, 44109 | 5.1 | |
| State Farm | Joe Gaba | 1129 E Aurora Rd Ste 203, Macedonia, OH, 44056-1992 | 8.4 | |
| Allstate | Guy Bassett | 7566 Pearl Rd, Middleburg Heights, OH, 44130 | 9.6 | |
| Farmers | Cindy Gsell | 23300 Chagrin Blvd Ste 101, Beachwood, OH, 44122 | 8.5 | |
| Allstate | William Mason | 8419 Snow Rd, Parma, OH, 44129 | 6.0 | |
| Allstate | Richard A. Macer | 5311 Northfield Rd Ste 7, Bedford Heights, OH, 44146 | 6.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Ohio | $135,100 | $712 | $510 | $1,000 | $490 |
| Cuyahoga County, OH | $123,900 | $665 | $480 | $940 | $460 |
| Independence, OH | $228,900 | $738 | $520 | $1,020 | $500 |
| Warrensville Heights, OH | $78,200 | $682 | $480 | $950 | $470 |
| Linndale, OH | $48,300 | $451 | $310 | $640 | $330 |
| Mayfield Heights, OH | $144,000 | $680 | $460 | $960 | $500 |
| Montrose-Ghent, OH | $322,500 | $1,037 | $760 | $1,430 | $670 |
| Liverpool, OH | $257,500 | $774 | $520 | $1,070 | $550 |
| Munroe Falls, OH | $153,100 | $698 | $510 | $960 | $450 |
| Auburn, OH | $294,900 | $827 | $560 | $1,140 | $580 |
| Lake, OH | $172,600 | $660 | $480 | $900 | $420 |
| Wakeman, OH | $145,400 | $734 | $510 | $1,020 | $510 |
| Kidron, OH | $168,100 | $778 | $540 | $1,080 | $540 |