Gavop's guide to buying homeowners insurance in Adams 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 | $39,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $98,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $114,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $178,500 | $170,000 | $150,000-$175,000 |
| 5 Bedroom | $211,000 | $170,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$126 | $574 |
| Superior Protection Discount | -$63 | $637 |
| Fire & Security Discount | -$49 | $651 |
| Hail Resistant Roof Discount | -$21 | $679 |
| Newly Constructed Home Discount | -$196 | $504 |
| 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 |
| Adams County | $700 | $691 | $1,391 | $502 | $1,202 | $189 |
| Adams County, OH | $2,500 | $691 | $3,191 | $502 | $3,002 | $189 |
| Paint, OH | $2,500 | $556 | $3,056 | $404 | $2,904 | $152 |
| New Boston, OH | $500 | $481 | $981 | $350 | $850 | $131 |
| Porter, OH | $700 | $663 | $1,363 | $482 | $1,182 | $181 |
| Batavia, OH | $200 | $632 | $832 | $460 | $660 | $173 |
| Worthington, KY | $1,000 | $773 | $1,773 | $561 | $1,561 | $211 |
| Coldstream, OH | $500 | $1,817 | $2,317 | $1,320 | $1,820 | $497 |
| Oak Hill, OH | $2,000 | $516 | $2,516 | $375 | $2,375 | $141 |
| Lick, OH | $400 | $633 | $1,033 | $460 | $860 | $173 |
| Coalton, OH | $700 | $471 | $1,171 | $342 | $1,042 | $129 |
| Home Insurance Company Adams County, OH | Homeowners Insurance Agency Adams County, OH | Address | Popularity Score | Distance from Adams County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Richmond Insurance Agency Inc | 212 N Market St, West Union, OH, 45693 | 5.0 | |
| State Farm | Matt Meinberg | 217 Main St, Milford, OH, 45150-1123 | 49.8 | |
| State Farm | Jerry Merchant | 266 E Locust St, Wilmington, OH, 45177-2375 | 45.7 | |
| State Farm | Scott Hummel | 948 Old State Route 74 Ste 5, Cincinnati, OH, 45245-1332 | 46.1 | |
| Travelers | Dick Spencer Insurance Agency Llc | 926 Gay St, Portsmouth, OH, 45662 | 26.9 | |
| State Farm | Ryan Salmons | 1615 Chillicothe St, Portsmouth, OH, 45662-3477 | 26.8 | |
| State Farm | John Gasparec | 3496 Ballymore Ct, Cincinnati, OH, 45245-3096 | 44.0 | |
| State Farm | Tony Staggs | 12149 State Route 41, West Union, OH, 45693-9236 | 5.5 | |
| State Farm | Jack Valz | 312 Main St, Milford, OH, 45150-1126 | 49.8 | |
| State Farm | Rick Wertz | 7736 Beechmont Ave, Cincinnati, OH, 45255-4214 | 49.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Ohio | $135,100 | $712 | $490 | $1,000 | $510 |
| Adams County, OH | $98,000 | $700 | $480 | $970 | $490 |
| Adams County, OH | $98,000 | $700 | $510 | $1,000 | $490 |
| Paint, OH | $79,600 | $563 | $410 | $800 | $390 |
| New Boston, OH | $57,700 | $487 | $360 | $670 | $310 |
| Porter, OH | $139,800 | $671 | $490 | $920 | $430 |
| Batavia, OH | $159,400 | $640 | $460 | $880 | $420 |
| Worthington, KY | $99,000 | $782 | $560 | $1,110 | $550 |
| Coldstream, OH | $584,400 | $1,839 | $1,230 | $2,520 | $1,290 |
| Oak Hill, OH | $67,400 | $522 | $350 | $740 | $390 |
| Lick, OH | $106,300 | $641 | $460 | $890 | $430 |
| Coalton, OH | $55,000 | $477 | $320 | $650 | $330 |