Heath Insurance Rates:

Heath, OH home insurance is about $598 to $814, about $49-$67/month. Our in depth research reveals consumers can save upto $282 by comparing many quotes

Compare Quotes from Top Providers and Save now!

Heath, Ohio Homeowners Insurance Reviews separate truth from fantasy. Compare realistic quotes from the most best home insurance providers.

Heath Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $460/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

2 Beds, 2 Bath 1670 sqft Primary Residence Constructed In 1978 with Stone Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $510/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $400,000

5 Beds, 5 Bath 4690 sqft Rental Property Constructed In 1992 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Married Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $350/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Baths 2640 sqft Vacation Property Constructed In 2000 with Hardwood Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Copper Water Pipes, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $180/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Bath 2310 sqft Rental Property Constructed In 1985 with Carpet Flooring, Shingles Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $180/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 940 sqft Primary Residence Constructed In 1977 with Stone Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $220/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1550 sqft Seasonal Residence Constructed In 2007 with Stone Flooring, Shingles Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $460/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

5 Beds, 5 Baths 1700 sqft Primary Residence Constructed In 1966 with Ceramic Tile Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Divorced Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $230/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $395,000

5 Beds, 5 Baths 4890 sqft Seasonal Residence Constructed In 1997 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Divorced Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Heath, OH Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
43056 $136,600 $720

Heath Rates & Quotes Analysis:

Heath Area Estimated House Insurance
Boulder Ct, Callie Ct, Evergreen Ct, Stone Creek Dr, Wayne Dr, Putnam Rd, Caroline Dr, Majestic Hills Dr, James Rd, Franklin Ave$714
Vista Dr, Simeon Dr, S Fork Rd SE, Irving Wick Dr E, Sands Dr, Kenwick Cir, Hickory Rd, River Oaks Dr, Rosemary Rd SE, Twp Hwy 144$713
Falmouth Rd, Mill Race Rd, Meadow Wood Dr, Canyon Rd, 4th Ave, Maureen Dr, Stone Creek Rd, Linnville Rd SE, Maple Ct, Lake Drive Rd$729
Burr Oak Ct, Milliken Dr, Hopewell Dr, Twp Hwy 171, Swamp Rd, Sunset Rd, Friends Ln, S High St, Walnut Rd, S 6th St$732
Co Hwy 140, Dorsey Mill Rd E, Twp Hwy 35, Avalon Dr, Rae Ct, Deanna Stroll Rd SE, Lees Rd SE, Oak Ct, Buckhorn Ct, Pine Rd$717

Insurance rates are influenced by a number of factors including:

  • Year Built: 608 Homes (13% of total) built between 1970 to 1979 in Heath are paying home insurance between $1,144-$1,155 compared to Licking (+$25), Licking County (+$21), Granville (+$122), Newark (-$15) and Hebron (-$23).
  • Bedrooms: 922 2 bedrooms homes (20% of total homes ) in Heath are paying about $678 in contrast with Licking (+$15), Licking County (+$13), Granville (+$72), Hebron (-$13) and Buckeye Lake (-$21).
  • Auto Insurance Bundling: 1,361 Households (50% of all households) in Heath have 2 vehicles available and when it is bundled with home insurance you can save $141 in contrast with Licking ($144), Newark ($139), Hebron ($138).
  • Senior Discounts: 1,445 seniors (more than 55 years) occupied housing units (53% of total) in Heath get discounts between $105 to $108 in contrast with Licking ($108), Newark ($104), Hebron ($103).
  • New Homes discounts: New homes such as the 2,149 homes built between 2000 to 2009 in Heath can save $141 and similar new home insurance discounts in nearby towns and cities like Licking, Newark and Hebron are $144, $139 and $138 respectively.

Heath Homeowners insurance Facts

  • Heath, OH has 2,710 owner occupied houses which is 62.7% of all units whereas Licking, Newark and Hebron have 83.89%, 56.07% and 49.95% respectively.
  • Heath, OH homeowners yearly insurance price at $706 is 0.55% of the typical house value of $129,400 which is in contrast with 0.46% in Licking, 0.61% at Newark & 0.66% in Hebron.
  • Homeowners in Heath, OH pay 1.88% of their income ($35,000 to $39,999) in insurance whereas homeowners in Licking, Newark and Hebron pay 1.92%, 1.86% and 1.85% respectively.
  • Heath, OH’s insurance is 4.6% of monthly housing costs of $1,267/month, for owners with a mortgage compared to 4.28% in Licking, 5.35% at Newark & 5.18% in Hebron. But, for households without a mortgage, insurance is 14.8% of costs ($399 in Heath, OH) in contrast with 12.73% in Licking, 16.36% at Newark & 17.06% in Hebron.

Heath, OH Home Values & Insurance rates

For example, insurance for 119 Homes (4.0% of total homes ) valued between $250,000 to $299,999 in Heath, OH is about $1,496. Rates in nearby areas in such as Licking, Licking County, Granville are cheaper by $220, $188, $669 respectively while Newark and Fairfield Beach are costlier by $183 and $232 respectively for similar homes.

Heath, OH Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 226 8.0% $134
$50,000 to $59,999 56 2.0% $282
$60,000 to $69,999 63 2.0% $353
$70,000 to $79,999 38 1.0% $402
$80,000 to $89,999 116 4.0% $458
$90,000 to $99,999 215 7.0% $515
$100,000 to $124,999 528 19.0% $600
$125,000 to $149,999 641 23.0% $748
$150,000 to $174,999 330 12.0% $882
$175,000 to $199,999 77 2.0% $1016
$200,000 to $249,999 215 7.0% $1228
$250,000 to $299,999 119 4.0% $1496
$300,000 to $399,999 67 2.0% $1906

Renters Insurance in Heath

  • Average Renters Insurance in Heath :  $181($15/month)

  • Median Gross Rent in Heath :  $808

  • Heath Renters Insurance to Median Rent Ratio:  1.86%

  • Average household size of renter-occupied unit :  2.33

Heath Renters Insurance as a Percentage of Rent

Heath Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 27 1.0% $795
$300 to $499 127 8.0% $1245
$500 to $749 439 29.0% $1920
$750 to $999 627 41.0% $2670
$1,000 to $1,499 220 14.0% $3795
$1,500 or more 71 4.0% $5445

Rent Affordability in Heath:

Approximately 39.0% (643) of households are spending more than 35% of their income on gross rent in Heath

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 111 6.0%
15.0 to 19.9 percent 284 17.0%
20.0 to 24.9 percent 258 15.0%
25.0 to 29.9 percent 163 10.0%
30.0 to 34.9 percent 155 9.0%
35.0 percent or more 643 39.0%

Heath Renters Insurance Discounts:

Heath Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Heath, OH Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 640 39.0% $18.1
2 vehicles available 521 32.0% $27.15
3 or more vehicles available 178 11.0% $36.2

Heath Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 76 4.0% $80
60 to 64 years 109 6.0% $64
65 to 74 years 102 6.0% $52
75 years and over 164 10.0% $40

Protective device discount in Heath Up to :  $27

Claims-free discount in Heath Up to :  $36