Gavop's guide to buying homeowners insurance in Northgate, 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 | $47,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $73,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $154,500 | $140,000 | $125,000-$150,000 |
| 4 Bedroom | $142,500 | $130,000 | $150,000-$175,000 |
| 5 Bedroom | $384,500 | $340,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$101 | $532 |
| Superior Protection Discount | -$63 | $570 |
| Fire & Security Discount | -$44 | $589 |
| Hail Resistant Roof Discount | -$13 | $621 |
| Newly Constructed Home Discount | -$165 | $469 |
| 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 |
| Hamilton County | $1,500 | $704 | $2,204 | $512 | $2,012 | $192 |
| Northgate, OH | $700 | $626 | $1,326 | $455 | $1,155 | $171 |
| Finneytown, OH | $500 | $635 | $1,135 | $461 | $961 | $174 |
| Villa Hills, KY | $1,500 | $778 | $2,278 | $565 | $2,065 | $213 |
| Montgomery, OH | $300 | $899 | $1,199 | $653 | $953 | $246 |
| Mariemont, OH | $700 | $1,144 | $1,844 | $831 | $1,531 | $313 |
| Loveland Park, OH | $100 | $745 | $845 | $541 | $641 | $204 |
| Forestville, OH | $1,000 | $697 | $1,697 | $507 | $1,507 | $191 |
| Brookville, OH | $2,000 | $615 | $2,615 | $447 | $2,447 | $168 |
| Castine, OH | $400 | $603 | $1,003 | $438 | $838 | $165 |
| Vandalia, OH | $700 | $655 | $1,355 | $476 | $1,176 | $179 |
| Home Insurance Company Northgate, OH | Homeowners Insurance Agency Northgate, OH | Address | Popularity Score | Distance from Northgate (miles) |
|---|---|---|---|---|
| Erie | Dwyer Insurance Agency | 3356 North Bend Road, Cincinnati, OH, 45239 | 4.3 | |
| Farmers | Lori Thomas | 3501 Tylersville Rd Ste E, Hamilton, OH, 45011 | 9.0 | |
| State Farm | Jim Shea | 1013 Harrison Ave, Harrison, OH, 45030-1553 | 11.4 | |
| Travelers | Mac A Webb Insurance Agency | 6660 Dixie Hwy Ste 204, Fairfield, OH, 45014 | 6.9 | |
| State Farm | Michael Garland | 500 Wessel Dr Ste 2d, Fairfield, OH, 45014-3674 | 5.9 | |
| Farmers | Kerri Pfau | 31 E Locust St, Wilmington, OH, 45177 | 43.1 | |
| State Farm | Beth Wilker | 8406 Winton Rd, Cincinnati, OH, 45231-5905 | 4.6 | |
| Travelers | Lighthouse Agency Inc | 2794 Mack Road, Fairfield, OH, 45014 | 5.4 | |
| State Farm | Rick Brown | 3593 Westwood Northern Blvd, Cincinnati, OH, 45211-2550 | 6.1 | |
| Farmers | Robert Lewis | 375 Glensprings Dr Ste 103, Cincinnati, OH, 45246 | 6.3 |
| 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 |
| Hamilton County, OH | $145,800 | $713 | $490 | $990 | $500 |
| Northgate, OH | $122,000 | $633 | $420 | $890 | $470 |
| Finneytown, OH | $125,900 | $643 | $430 | $910 | $480 |
| Villa Hills, KY | $209,100 | $787 | $540 | $1,090 | $550 |
| Montgomery, OH | $343,800 | $910 | $610 | $1,260 | $650 |
| Mariemont, OH | $372,700 | $1,158 | $830 | $1,610 | $780 |
| Loveland Park, OH | $155,400 | $754 | $550 | $1,060 | $510 |
| Forestville, OH | $204,400 | $706 | $490 | $990 | $500 |
| Brookville, OH | $116,900 | $622 | $420 | $880 | $460 |
| Castine, OH | $95,000 | $610 | $450 | $870 | $420 |
| Vandalia, OH | $135,800 | $663 | $440 | $950 | $510 |