Jefferson Insurance Rates:

Jefferson, OH home insurance is approximately $589 to $802, about $49-$66/month. Our complete analysis shows customers can save upto $278 by getting different quotes

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Jefferson Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $500/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

5 Beds, 5 Bath 3620 sqft Rental Property Constructed In 1995 with Carpet Flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Fire Extinguisher, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $460/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

5 Beds, 5 Baths 3220 sqft Primary Residence Constructed In 1970 with Hardwood Flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $670/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $380,000

5 Beds, 5 Baths 4460 sqft Vacation Property Constructed In 2011 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 3 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 $460/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $345,000

5 Beds, 5 Bath 4140 sqft Primary Residence Constructed In 1985 with Stone Flooring, Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 600-649 Credit Score

Home Insurance Rate of $260/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 2840 sqft Primary Residence Constructed In 2011 with Linoleum, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $520/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Bath 1730 sqft Seasonal Residence Constructed In 2012 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Divorced Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $110/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Baths 1960 sqft Primary Residence Constructed In 1945 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $270/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 1280 sqft Primary Residence Constructed In 1992 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Jefferson, OH Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
44047 $143,000 $720

Jefferson Rates & Quotes Analysis:

Jefferson Area Estimated House Insurance
S Sugar St, E Walnut St, Founders Ln, Leisure Ln, Bernice Way, Ivy Ln, Linden Ave, Bishop Ct, N Cherry St, Celina-Mendon Rd$702
Ada Dr, Kensington Ln, N Ash St, Mary Charles Ln, Janet Ave, Schaadt Rd, Cottonwood Beach Rd, Prairie View Dr, W Wayne St, Baker Dr$729
Clydes Rd, Sunset Dr, Magnolia St, Karch Rd, Co Rd 219, Hoenie Rd, Watercrest Dr, Mercer Auglaize County Rd, W Blake St, Beach Line Rd$678
Montezuma Acres Dr, Green Rd, Margo Ln, Washington St, S 5th St, Woods Ct, State Rte 29, Queensbury Dr, Anderson Rd, Bullard Rd$692
Lake Tree Ct, Oak Dr, Majorki Pl, N State Line Rd, S Enterprise St, Co Rd 700 E, N 1st St, Jackson St, Haig St, Harris Rd$703

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,032 Homes (16% of total homes ) built between 1970 to 1979 in Jefferson are paying home insurance between $1,128-$1,138. Places close to Jefferson, OH such as Mercer County, Coldwater, Chickasaw are more expensive by $12, $10, $13 respectively while Celina and Montezuma are cheaper by $14 and $31 respectively for similar homes.
  • Bedrooms: 3,218 3 bedrooms homes (50% of total homes ) in Jefferson are paying about $821 in contrast with Mercer County (+$8), Coldwater (+$7), Chickasaw (+$9), Celina (-$18) and Montezuma (-$23).
  • Auto Insurance Bundling: 1,853 Households (47% of all households) in Jefferson have 2 vehicles available and when it is bundled with home insurance you can save $139. Discounts for similar bundling in close by locations such as Celina, Mercer County, Montezuma come to $137, $140, $135 respectively.
  • Senior Discounts: 2,053 seniors (more than 55 years) occupied housing units (52% of total) in Jefferson get discounts between $103 to $106 compared to Celina ($103), Mercer County ($105), Montezuma ($101).
  • New Homes discounts: New homes such as the 2,554 homes built between 2000 to 2009 in Jefferson can save $139 and differs from Celina ($137), Mercer County ($140), Montezuma ($135).

Jefferson Homeowners insurance Facts

  • Jefferson, OH has 3,875 owner occupied houses which is 69.0% of all units whereas Celina, Mercer County and Montezuma have 66.24%, 79.96% and 83.16% respectively.
  • Jefferson, OH homeowners yearly insurance price at $696 is 0.62% of the typical house value of $112,100 which is in contrast with 0.7% in Celina, 0.57% at Mercer County & 0.85% in Montezuma.
  • Homeowners in Jefferson, OH pay 3.09% of their income ($20,000 to $24,999) in insurance whereas homeowners in Celina, Mercer County and Montezuma pay 3.05%, 3.12% and 3.01% respectively.
  • Jefferson, OH’s insurance is 5.5% of monthly housing costs of $1,051/month, for owners with a mortgage compared to 5.7% in Celina, 5.23% at Mercer County & 5.79% in Montezuma. But, for households without a mortgage, insurance is 14.0% of costs ($414 in Jefferson, OH) in contrast with 14.57% in Celina, 13.95% at Mercer County & 16.69% in Montezuma.

Jefferson, OH Home Values & Insurance rates

For example, insurance for 571 Homes (15.0% of total homes ) valued between $100,000 to $124,999 in Jefferson, OH is about $682. Rates in nearby areas in such as Mercer County, Coldwater, Chickasaw are cheaper by $64, $58, $63 respectively while Celina and Montezuma are costlier by $87 and $252 respectively for similar homes.

Jefferson, OH Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 425 11.0% $153
$50,000 to $59,999 122 3.0% $320
$60,000 to $69,999 199 5.0% $396
$70,000 to $79,999 234 6.0% $459
$80,000 to $89,999 311 8.0% $522
$90,000 to $99,999 371 9.0% $584
$100,000 to $124,999 571 15.0% $682
$125,000 to $149,999 487 12.0% $849
$150,000 to $174,999 398 10.0% $1002
$175,000 to $199,999 257 6.0% $1162
$200,000 to $249,999 217 5.0% $1398
$250,000 to $299,999 79 2.0% $1705
$300,000 to $399,999 120 3.0% $2171

Renters Insurance in Jefferson

  • Average Renters Insurance in Jefferson :  $209($17/month)

  • Median Gross Rent in Jefferson :  $698

  • Jefferson Renters Insurance to Median Rent Ratio:  2.44%

  • Renter occupied housing units in Jefferson :  1,738

Jefferson Renters Insurance as a Percentage of Rent

Jefferson Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 66 4.0% $352
$200 to $299 26 1.0% $802
$300 to $499 258 15.0% $1252
$500 to $749 661 40.0% $1927
$750 to $999 465 28.0% $2677
$1,000 to $1,499 158 9.0% $3802

Rent Affordability in Jefferson:

Approximately 42.0% (743) of households are spending more than 35% of their income on gross rent in Jefferson

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 278 15.0%
15.0 to 19.9 percent 282 16.0%
20.0 to 24.9 percent 221 12.0%
25.0 to 29.9 percent 59 3.0%
30.0 to 34.9 percent 155 8.0%
35.0 percent or more 743 42.0%

Jefferson Renters Insurance Discounts:

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

Number of Vehicles in Jefferson, OH Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 910 52.0% $20.9
2 vehicles available 456 26.0% $31.35
3 or more vehicles available 98 5.0% $41.8

Protective device discount in Jefferson Up to :  $31

Claims-free discount in Jefferson Up to :  $41