How Can I Make My West Chester, OH Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in West Chester, 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 West Chester, OH Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $65,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $129,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $218,000 | $210,000 | $200,000-$250,000 |
| 4 Bedroom | $222,000 | $210,000 | $200,000-$250,000 |
| 5 Bedroom | $413,000 | $380,000 | $400,000-$500,000 |
Estimate your Savings with Home Insurance Discounts in West Chester, OH | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $701 |
| Superior Protection Discount | -$74 | $750 |
| Fire & Security Discount | -$91 | $734 |
| Hail Resistant Roof Discount | -$16 | $808 |
| Newly Constructed Home Discount | -$165 | $660 |
Choose your West Chester, OH Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,464 |
| Hail Damage | $4,476 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $16,386 |
Identify Top Home Insurance Agents near West Chester, OH | Back to Top
| Home Insurance Company West Chester, OH | Homeowners Insurance Agency West Chester, OH | Address | Popularity Score | Distance from West Chester (miles) |
|---|---|---|---|---|
| State Farm | Brent Arter | 6947 Tylersville Rd, West Chester, OH, 45069-1510 | 1.7 | |
| State Farm | Jeff Knight | 1014 Hospital Dr Ste 4, Batavia, OH, 45103-1994 | 22.9 | |
| Liberty Mutual Independent | Etler Kettenacker Agency | 10945 Reed Hartman Hwy Ste 222, Cincinnati, OH, 45242 | 5.6 | |
| Liberty Mutual Independent | Wilks Insurance Agency Inc | 319 N 2nd St, Hamilton, OH, 45011 | 8.8 | |
| Liberty Mutual Independent | Mccord Insurance Agency Inc. | 11385 Montgomery Rd Ste 240, Cincinnati, OH, 45249 | 6.7 | |
| State Farm | Kristen Jackson | 8952 Winton Rd, Cincinnati, OH, 45231-3818 | 9.2 | |
| Allstate | Brian Ackerman | 7919 Jessies Way, Hamilton, OH, 45011 | 4.8 | |
| Allstate | Justin Hoffman | 660 Kemper Commons Cir, Cincinnati, OH, 45246 | 4.3 | |
| Travelers | Lighthouse Agency Inc | 2794 Mack Road, Fairfield, OH, 45014 | 6.1 | |
| State Farm | Chris Champ | 5409 Dixie Hwy, Fairfield, OH, 45014-4107 | 5.9 |
Compare Rates for West Chester, 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 | $510 | $1,000 | $490 |
| Butler County, OH | $162,300 | $744 | $530 | $1,050 | $520 |
| West Chester, OH | $210,900 | $825 | $570 | $1,160 | $590 |
| Olde West Chester, OH | $159,800 | $763 | $550 | $1,050 | $500 |
| Sixteen Mile Stand, OH | $385,600 | $1,197 | $810 | $1,650 | $840 |
| Washington, OH | $200,700 | $701 | $510 | $970 | $460 |
| Moscow, OH | $85,000 | $580 | $400 | $790 | $390 |
| Hamer, OH | $66,700 | $520 | $360 | $730 | $370 |
| Ohio County, IN | $142,400 | $740 | $540 | $1,020 | $480 |
| Pendleton County, KY | $106,400 | $681 | $480 | $940 | $460 |
| Warsaw, KY | $109,900 | $693 | $490 | $990 | $500 |
| Lake Santee, IN | $126,100 | $835 | $590 | $1,160 | $570 |
| Winchester, OH | $128,300 | $696 | $470 | $990 | $520 |
Research Home Insurance Companies Reviews in West Chester, OH Before Buying | Back to Top
Share a review on your home insurance company
Erie Insurance Home Insurance Reviews
Date: October 11, 2019 Age: Above 60 Gender: Female Marital Status: Unmarried
Customer Service
I haven't had it that long but it has been good. The setup was solid and the rates were good.
Date: July 23, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I was very satisfied with the premiums. I was actually able to save $200 with the plans that was set in place by choosing State Farm.
Date: July 02, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I am on a highter deductible for $1000 which is bit more but keeps my premium down. same as others.
GEICO Home Insurance Reviews
Date: January 04, 2020 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
Geico has been amazing!! Their customer service agents are always so friendly and very knowledgeable. When I was in an accident, they explained everything to me. The entire claims process was easy to follow.
Date: December 26, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
Compared to other insurance company policies, I would rate Geico a 4, simply because I don't believe they offer as much. For example, on my last home I found out I barely had any coverage for what I was paying vs another company who gave a lot more for what I was paying.
State Farm Home Insurance Reviews
Date: January 14, 2020 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Customer Service
Started with State Farm when looking for a company to keep my sons numbers down to qualify for the mortgage and they fit right in. They had a great price that fit in the budget and made mortgage co happy plus they had the best coverage for the price.
Date: September 18, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
This is our first home and I feel like our insurance covers our needs, but I have nothing else to compare it to. All I know is when I needed a roof repair they paid to have the entire roof replaced.
Farmer's Insurance Home Insurance Reviews
Date: July 15, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
My home insurance company General Home insurance having good and effective customer service than other home insurance companies.They have the good customer handling method.
Date: February 25, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
The premium is $20 and the deductible is $5000 because I wanted the most affordable option. While the deductible may be high, it covers everything.
Allstate Home Insurance Reviews
Date: October 31, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Policy Offerings
The Classical furniture, the House design and electrical equipment.
The Garage and fundamentals with some emphasis in the contract for basic resources.
Esurance Home Insurance Reviews
Date: November 12, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Customer Service
The main thing I dislike about the customer service with my company is they take awhile ringer back to me when I have issues or questions about the policy.
Travelers Home Insurance Reviews
Date: October 08, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
Our premium is very low compared to our neighbors who have the same townhouse as us. The deductible is low as well in case of a claim
Grange Insurance Home Insurance Reviews
Date: December 21, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
I honestly haven't compared our premium to other companies. I know that our policy is cheaper than atleast one other company but I haven't checked it since we bought our home almost 3 years ago.
State Auto Home Insurance Reviews
Date: June 01, 2019 Age: 30 to 39 Gender: Married Marital Status: Female
Customer Service
My home insurance company customer service has been very helpful when I have needed their assistance. They are friendly, patient, and very helpful.
The Hartford Home Insurance Reviews
Date: November 19, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Premium
Compared to Allstate, my previous insurance company, the Hartford's deductible was lower and offered more property and liability coverage for almost 50% less.