Gavop's guide to buying homeowners insurance in Lake 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.
| Lake County, OH - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Tall Oaks Dr, Talbot Cir, Mountain Park Dr, Hayer Dr, Milann Dr, Wellesly Blvd, Alva Dr, Hidden Valley Dr, Delta Cir, Canyon Ct | $189,000 | $160,000 | $175,000-$200,000 | $132,500 | $120,000 | $125,000-$150,000 |
| 1st St, Trinity Rd, Powell Rd, Covington, Chardon Ave, Crooked Creek, Davis Rd, Tall Tree Trl, Murray St, Oxford Rd | $262,500 | $220,000 | $200,000-$250,000 | $209,000 | $180,000 | $200,000-$250,000 |
| Co Hwy 408, Woodthrush Dr, Woodside Rd, E River Dr, Audrey St, S Cedarwood Rd, Welk Ct, Weber Ave, Ford Dr, Pelican Cove | $230,500 | $210,000 | $200,000-$250,000 | $138,000 | $130,000 | $150,000-$175,000 |
| Oasis Blvd, Melrose Farms Rd, Frontier Dr, Indiana St, Heatherstone Dr, Galalina Blvd, Coventry Dr, Plaza Blvd, Henry St, Garfield Rd | $105,500 | $100,000 | $75,000-$100,000 | $139,500 | $120,000 | $125,000-$150,000 |
| Millgate Dr, Fairgrounds Rd, Grandview Dr, Woodthrush Ave, Cashen Rd, Co Hwy 104, E 351st St, Glen Eagles Dr, Ledgewood Dr, Oak Tree Dr | $177,000 | $140,000 | $150,000-$175,000 | $162,500 | $140,000 | $175,000-$200,000 |
| Beery Dr, E 324th St, Windermere Dr, Co Hwy 419, Mooreland Ave, Nancy Dr, Argonne Dr, Reedhurst Ln, Camino Dr, Fairway Blvd | $169,500 | $140,000 | $150,000-$175,000 | $129,500 | $120,000 | $125,000-$150,000 |
| William St, Grenney Ln, Sebring Ave, Euclid Chardon Rd, Rolling Acres Ct, Joseph Ln, Eddy Rd, Ohio St, Summerwood Ct, Briar Hill Dr | $122,000 | $100,000 | $100,000-$125,000 | $80,000 | $80,000 | $75,000-$100,000 |
| Berkshire Hills Dr, E Hemlock Rd, Timberlane Dr, River Rd, Bluff St, Mark Ct, Hampton Bay Ln, Elizabeth Dr, Ocean Reef, Turnbury Dr | $164,500 | $140,000 | $125,000-$150,000 | $155,500 | $130,000 | $125,000-$150,000 |
| Red Pine Dr, Mourning Dove Dr, Dana Ave, Morgan Dr, Barnaby Ln, Barrister's Ct, Hillcrest Ave, Park Ave, Apollo Pkwy, Acacia Dr | $191,500 | $170,000 | $150,000-$175,000 | $190,500 | $170,000 | $200,000-$250,000 |
| Bishop Ct, Foxmill Rd, Canterbury Ln, Corduroy Rd, Brooks Blvd, Paisley Rd, Heritage Ct, Sugarhouse Hill Ct, Gabriel Ct, Admiral Dr N | $126,500 | $110,000 | $100,000-$125,000 | $158,500 | $150,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$101 | $621 |
| Superior Protection Discount | -$65 | $657 |
| Fire & Security Discount | -$58 | $664 |
| Hail Resistant Roof Discount | -$22 | $700 |
| Newly Constructed Home Discount | -$202 | $520 |
| 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 |
| Lake County | $2,500 | $713 | $3,213 | $518 | $3,018 | $195 |
| Lake County, OH | $2,000 | $713 | $2,713 | $518 | $2,518 | $195 |
| North Madison, OH | $200 | $605 | $805 | $439 | $639 | $165 |
| Chester, OH | $2,500 | $713 | $3,213 | $518 | $3,018 | $195 |
| Saybrook, OH | $200 | $604 | $804 | $439 | $639 | $165 |
| Aquilla, OH | $2,000 | $635 | $2,635 | $462 | $2,462 | $174 |
| Lyndhurst, OH | $100 | $666 | $766 | $484 | $584 | $182 |
| Beachwood, OH | $2,500 | $800 | $3,300 | $581 | $3,081 | $219 |
| Huntsburg, OH | $300 | $776 | $1,076 | $564 | $864 | $212 |
| Chagrin Falls, OH | $2,000 | $1,062 | $3,062 | $772 | $2,772 | $290 |
| Reminderville, OH | $200 | $797 | $997 | $579 | $779 | $218 |
| Sheffield Lake, OH | $2,500 | $594 | $3,094 | $432 | $2,932 | $162 |
| Home Insurance Company Lake County, OH | Homeowners Insurance Agency Lake County, OH | Address | Popularity Score | Distance from Lake County (miles) |
|---|---|---|---|---|
| Allstate | Andy Bruno | 140 E Aurora Rd, Northfield, OH, 44067 | 42.7 | |
| State Farm | Lori Vajdich | Ste 6b 9930 Johnnycake Ridge Rd, Mentor, OH, 44060-6766 | 17.9 | |
| Farmers | Michael Norris | 10950 Pearl Rd Ste A2a, Strongsville, OH, 44136 | 46.9 | |
| Travelers | Slowey Insurance Agency Ltd | 7352 Center Street, Mentor, OH, 44060 | 17.7 | |
| Liberty Mutual Independent | Insurance Consultants Group Llc | 20180 Center Ridge Rd, Rocky River, OH, 44116 | 39.4 | |
| Travelers | Makee Insurance Agency Inc | Po Box 1486 , Painesville, OH, 44077 | 18.6 | |
| Liberty Mutual Independent | Luikart Insurance | 7316 Center St, Mentor, OH, 44060 | 17.6 | |
| Erie | The Frank Agency Inc. | 15977 E High Street, Middlefield, OH, 44062 | 36.0 | |
| State Farm | Mitch Flemming | 8389 Mayfield Rd Ste A-5b, Chesterland, OH, 44026-2553 | 27.9 | |
| Travelers | Gambrel Insurance Agency | 32940 Vine St, Eastlake, OH, 44095 | 19.7 |
| 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 |
| Lake County, OH | $150,100 | $722 | $530 | $1,020 | $490 |
| Lake County, OH | $150,100 | $722 | $530 | $1,030 | $500 |
| North Madison, OH | $112,600 | $612 | $420 | $840 | $420 |
| Chester, OH | $216,800 | $722 | $500 | $1,030 | $530 |
| Saybrook, OH | $112,300 | $611 | $440 | $870 | $430 |
| Aquilla, OH | $106,900 | $643 | $460 | $910 | $450 |
| Lyndhurst, OH | $141,200 | $674 | $490 | $930 | $440 |
| Beachwood, OH | $283,500 | $810 | $580 | $1,110 | $530 |
| Huntsburg, OH | $171,900 | $785 | $530 | $1,120 | $590 |
| Chagrin Falls, OH | $340,200 | $1,075 | $720 | $1,530 | $810 |
| Reminderville, OH | $184,300 | $807 | $550 | $1,110 | $560 |
| Sheffield Lake, OH | $108,600 | $602 | $400 | $830 | $430 |