Gavop's guide to buying homeowners insurance in Cuyahoga County, 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 | $58,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $161,500 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $120,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $204,000 | $170,000 | $175,000-$200,000 |
| 5 Bedroom | $297,000 | $260,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$100 | $566 |
| Superior Protection Discount | -$67 | $599 |
| Fire & Security Discount | -$67 | $599 |
| Hail Resistant Roof Discount | -$13 | $652 |
| Newly Constructed Home Discount | -$146 | $519 |
| 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 | $1,500 | $657 | $2,157 | $478 | $1,978 | $180 |
| Cuyahoga County, OH | $700 | $657 | $1,357 | $478 | $1,178 | $180 |
| Wickliffe, OH | $400 | $614 | $1,014 | $446 | $846 | $168 |
| Mentor-on-the-Lake, OH | $2,500 | $636 | $3,136 | $462 | $2,962 | $174 |
| South Euclid, OH | $100 | $613 | $713 | $445 | $545 | $167 |
| Gates Mills, OH | $2,500 | $1,632 | $4,132 | $1,186 | $3,686 | $446 |
| Valley View, OH | $100 | $906 | $1,006 | $658 | $758 | $248 |
| Chagrin Falls, OH | $1,000 | $1,062 | $2,062 | $772 | $1,772 | $290 |
| Olmsted, OH | $300 | $634 | $934 | $461 | $761 | $173 |
| North Ridgeville, OH | $1,000 | $641 | $1,641 | $466 | $1,466 | $175 |
| Hinckley, OH | $200 | $836 | $1,036 | $607 | $807 | $228 |
| Kipton, OH | $1,500 | $591 | $2,091 | $429 | $1,929 | $161 |
| Home Insurance Company Cuyahoga County, OH | Homeowners Insurance Agency Cuyahoga County, OH | Address | Popularity Score | Distance from Cuyahoga County (miles) |
|---|---|---|---|---|
| Erie | Halter Insurance Group Ltd. | 4320 Mayfield Road Suite 101, South Euclid, OH, 44121 | 19.5 | |
| Liberty Mutual Independent | Meder-Bush Insurance Agency | 34443 Chardon Road #8, Willoughby Hills, OH, 44094 | 18.9 | |
| Farmers | Thomas Waina | 4145 Erie St Ste 202, Willoughby, OH, 44094 | 18.4 | |
| Nationwide | Kathe A Dimatteo | 13008 Pearl Rd, Strongsville, OH, 44136-3442 | 31.0 | |
| Travelers | Luce Smith & Scott Inc | 6860 W Snowville Rd Ste 110, Brecksville, OH, 44141 | 33.4 | |
| State Farm | Tim Barnosky | 30428 Euclid Ave, Wickliffe, OH, 44092-1578 | 16.9 | |
| Allstate | Bethany Snyder | 8419 Tower Dr, Twinsburg, OH, 44087 | 34.5 | |
| State Farm | Lindsay Hubert | 14583 Madison Ave, Lakewood, OH, 44107-4325 | 19.9 | |
| State Farm | Jack Mulhall | 34600 Chardon Rd Unit F, Willoughby Hills, OH, 44094-2670 | 18.9 | |
| Travelers | Z Inc | 737 Boliver Ave Ste 40, Cleveland, OH, 44115 | 18.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Ohio | $135,100 | $712 | $490 | $1,010 | $520 |
| Cuyahoga County, OH | $123,900 | $665 | $480 | $950 | $470 |
| Cuyahoga County, OH | $123,900 | $665 | $490 | $910 | $420 |
| Wickliffe, OH | $116,700 | $621 | $430 | $890 | $460 |
| Mentor-on-the-Lake, OH | $126,400 | $644 | $430 | $880 | $450 |
| South Euclid, OH | $98,500 | $620 | $420 | $870 | $450 |
| Gates Mills, OH | $488,400 | $1,652 | $1,120 | $2,350 | $1,230 |
| Valley View, OH | $254,500 | $917 | $660 | $1,270 | $610 |
| Chagrin Falls, OH | $340,200 | $1,075 | $780 | $1,530 | $750 |
| Olmsted, OH | $160,500 | $642 | $430 | $890 | $460 |
| North Ridgeville, OH | $164,900 | $648 | $470 | $930 | $460 |
| Hinckley, OH | $307,300 | $846 | $620 | $1,170 | $550 |
| Kipton, OH | $91,000 | $598 | $430 | $840 | $410 |