How Can I Make My Lima, OH Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Lima, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Lima, OH Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $41,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $80,500 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $115,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $215,000 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $262,000 | $210,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Lima, OH | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$128 | $673 |
| Superior Protection Discount | -$72 | $729 |
| Fire & Security Discount | -$72 | $729 |
| Hail Resistant Roof Discount | -$16 | $785 |
| Newly Constructed Home Discount | -$208 | $593 |
Choose the Right Deductible for your Lima, OH Home | Back to Top
| 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 |
| Allen County | $1,000 | $627 | $1,627 | $455 | $1,455 | $171 |
| Lima, OH | $2,500 | $792 | $3,292 | $575 | $3,075 | $216 |
| Wapakoneta, OH | $500 | $586 | $1,086 | $426 | $926 | $160 |
| Ottawa, OH | $1,500 | $646 | $2,146 | $469 | $1,969 | $176 |
| Latty, OH | $100 | $612 | $712 | $444 | $544 | $167 |
| Broughton, OH | $2,500 | $453 | $2,953 | $329 | $2,829 | $124 |
| Highland, OH | $500 | $658 | $1,158 | $478 | $978 | $180 |
| Paulding County, OH | $700 | $674 | $1,374 | $490 | $1,190 | $184 |
| Malinta, OH | $400 | $557 | $957 | $405 | $805 | $152 |
| Napoleon, OH | $2,000 | $601 | $2,601 | $437 | $2,437 | $164 |
| French, IN | $100 | $944 | $1,044 | $686 | $786 | $258 |
| McCutchenville, OH | $2,500 | $588 | $3,088 | $427 | $2,927 | $161 |
Identify Top Home Insurance Agents near Lima, OH | Back to Top
| Home Insurance Company Lima, OH | Homeowners Insurance Agency Lima, OH | Address | Popularity Score | Distance from Lima (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Webb Insurance Agency Inc | 212 W High St, Lima, OH, 45801 | 0.3 | |
| Liberty Mutual Independent | Webb Insurance Agency Inc | 212 W. High St., Lima, OH, 45801 | 0.3 | |
| Nationwide | Vandna Raval | 400 N Wayne St, Piqua, OH, 45356-2232 | 41.3 | |
| State Farm | Mike Meeks | 1940 N West Street, Lima, OH, 45801-2633 | 2.0 | |
| Travelers | Oconnor-Mclaughlin Company | 683 W Market St, Lima, OH, 45801 | 0.2 | |
| Farmers | Larry Nibert | 3 N Franklin St, Richwood, OH, 43344 | 48.1 | |
| State Farm | Bob Palenshus | 2101 South Main Street, Bellefontaine, OH, 43311-1557 | 33.8 | |
| State Farm | Ken Paige | 1125 Shawnee Rd Ste 2, Lima, OH, 45805-3584 | 2.4 | |
| Allstate | Thomas Walter | 1001 S Dorset Rd Ste C, Troy, OH, 45373 | 49.3 | |
| State Farm | Erin Patton | 944 S Main St, Urbana, OH, 43078-2540 | 48.3 |
Compare Rates for Lima, 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 | $520 | $1,000 | $480 |
| Allen County, OH | $110,900 | $634 | $460 | $910 | $450 |
| Lima, OH | $66,000 | $801 | $580 | $1,140 | $560 |
| Wapakoneta, OH | $105,000 | $593 | $430 | $840 | $410 |
| Ottawa, OH | $168,000 | $654 | $470 | $900 | $430 |
| Latty, OH | $98,300 | $619 | $440 | $870 | $430 |
| Broughton, OH | $50,000 | $458 | $330 | $630 | $300 |
| Highland, OH | $115,900 | $666 | $470 | $930 | $460 |
| Paulding County, OH | $92,500 | $682 | $460 | $940 | $480 |
| Malinta, OH | $80,000 | $564 | $390 | $810 | $420 |
| Napoleon, OH | $111,000 | $608 | $410 | $860 | $450 |
| French, IN | $173,400 | $955 | $700 | $1,370 | $670 |
| McCutchenville, OH | $90,000 | $595 | $410 | $840 | $430 |
Research Home Insurance Companies Reviews in Lima, OH Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: October 23, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I did not compare pricing to other companies because I went with what my broker suggested. My broker suggested State Farm because I do my auto insurance through them so bundling them together gave me a better price.
Date: April 08, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I once had to deal with state farm insurance's customer support when I was overcharged on a bill. The call lasted about half an hour, they were friendly and helpful and resolved the issue quickly.
USAA Home Insurance Reviews
Date: October 20, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
USAA customer service is, by far, the friendliest and most comprehensive in customer service in comparison to all the other providers.
MetLife Home Insurance Reviews
Date: October 17, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
My insurance provider is excellent, because it is one of the most recommended in the State of Florida. With state farm Insurance Group you can get a policy that covers all types of risk and for a fair cost that fits your greater insurance needs.
Erie Insurance Home Insurance Reviews
Date: July 08, 2019 Age: 20 to 29 Gender: Unmarried Marital Status: Female
Premium
I cannot accurately compare the premium and deductible of my current policy when compared to other home owner insurance policies for the same coverage.
Allstate Home Insurance Reviews
Date: November 27, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
Allstate's customer service is incredible. They are very friendly, it doesn't take long to wait to speak with someone, and I feel like they really care.
Travelers Home Insurance Reviews
Date: February 21, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
They protect my house from water damage of the sewer overflows. Also if my sump pump fails and water gets into my basement
American Modern Insurance Home Insurance Reviews
Date: September 14, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
They offer me coverage I could not get anywhere else due to the nature of my house. Old with asbestos siding is a hard thing to get covered by most providers.
Farmer's Insurance Home Insurance Reviews
Date: August 11, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I have been with Farmer's Insurance for over 10 years. We have several different accounts with them and any issues have been dealt with immediately with great customer service.