Willowick Insurance Rates:

Willowick, OH home insurance is roughly $597 to $811, about $49-$67/month. Our extensive analysis indicates shoppers can save upto $281 by getting multiple quotes

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Willowick Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $280/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 1510 sqft Vacation Property Constructed In 1970 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $170/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $320,000

5 Beds, 5 Baths 3290 sqft Seasonal Residence Constructed In 1951 with Wood Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1240/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $420,000

5 Beds, 5 Baths 4910 sqft Rental Property Constructed In 1953 with Ceramic Tile Flooring, Slate Shingles Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Married Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $40/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $250,000

5 Beds, 5 Baths 2900 sqft Rental Property Constructed In 1961 with Ceramic Tile Flooring, Shingles Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Divorced Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $590/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Bath 2300 sqft Rental Property Constructed In 1959 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Swimming Pool, Fire Extinguisher, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has No 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 $500/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $305,000

5 Beds, 5 Baths 4040 sqft Rental Property Constructed In 1973 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $310/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 2540 sqft Seasonal Residence Constructed In 1970 with Stone Flooring, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $990/5 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $435,000

5 Beds, 5 Baths 4920 sqft Rental Property Constructed In 1962 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $270/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 1860 sqft Seasonal Residence Constructed In 1958 with Wood Flooring, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $130/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 1250 sqft Primary Residence Constructed In 1950 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Willowick, OH Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
44095 $130,000 $720

Willowick Rates & Quotes Analysis:

Willowick Area Estimated House Insurance
Knoble Rd, Woodmere Dr, Foxboro St, Arnold Dr, Barjode Rd, E 291st St, Fairway Blvd, E 329th St, Forest Rd, E 289th St$705
Bunker Rd, Thomas St, E 315th St, Glen Arden Dr, Divot Dr, Douglas Dr, E 322nd St, Wellner Rd, Glenhurst Rd, Daniel Dr$703
Forestgrove Rd, Crescent Dr, Dickerson Rd, E 286th St, High Tee St, Maplewood Dr, Mildred Ave, E 305 St, Hadley Rd, Sylvan Dr$703
Barjode Rd, Gilchrist Dr, Deborah Dr, Bayridge Blvd, E 312th St, E 285th St, E 305 St, Clarmont Rd, E 316th St, Powell Rd$700
Shoreham Dr, E 324th St, E 315th St, Charles St, Mildred Dr, E 293rd St, Densmore Rd, North Rd, Royalview Dr, E 284th St$723

Insurance rates are influenced by a number of factors including:

  • Year Built: 697 Homes (10% of total) built between 1940 to 1949 in Willowick are paying home insurance between $1,414-$1,425 and differs from Lakeline (+$44), Eastlake (+$10), Willoughby (+$29), Euclid (-$32) and East Cleveland (-$61).
  • Bedrooms: 880 2 bedrooms homes (13% of total homes ) in Willowick are paying about $676 and varies from Lakeline (+$20), Wickliffe (+$3), Eastlake (+$11), Euclid (-$15) and South Euclid (-$3).
  • Auto Insurance Bundling: 888 Households (17% of all households) in Willowick have 3 or more vehicles available and when it is bundled with home insurance you can save $176. Discounts for similar bundling in close by locations such as Lakeline, Wickliffe, Eastlake come to $181, $176, $177 respectively.
  • Senior Discounts: 2,528 seniors (more than 55 years) occupied housing units (49% of total) in Willowick get discounts between $105 to $107. The comparative concessions in proximate regions such as Lakeline, Wickliffe and Willoughby are $108, $106 and $107 respectively.
  • New Homes discounts: New homes such as the 4,014 homes built between 2000 to 2009 in Willowick can save $140 and similar new home insurance discounts in nearby towns and cities like Lakeline, Wickliffe and Eastlake are $145, $141 and $141 respectively.

Willowick Homeowners insurance Facts

  • Willowick, OH has 5,159 owner occupied houses which is 81.8% of all units whereas Lakeline, Wickliffe and Eastlake have 87.65%, 79.87% and 75.61% respectively.
  • Willowick, OH homeowners yearly insurance price at $704 is 0.56% of the typical house value of $126,200 which is in contrast with 0.45% in Lakeline, 0.54% at Wickliffe & 0.53% in Eastlake.
  • Homeowners in Willowick, OH pay 1.22% of their income ($45,000 to $49,999) in insurance whereas homeowners in Lakeline, Wickliffe and Eastlake pay 1.26%, 1.23% and 1.23% respectively.
  • Willowick, OH’s insurance is 4.7% of monthly housing costs of $1,239/month, for owners with a mortgage compared to 3.88% in Lakeline, 4.7% at Wickliffe & 4.5% in Eastlake. But, for households without a mortgage, insurance is 13.3% of costs ($442 in Willowick, OH) in contrast with 11.78% in Lakeline, 13.54% at Wickliffe & 13.92% in Eastlake.

Willowick, OH Home Values & Insurance rates

For example, insurance for 64 Homes (1.0% of total homes ) valued between $200,000 to $249,999 in Willowick, OH is about $1,253. Rates in nearby areas in such as Wickliffe, Eastlake, Timberlake are cheaper by $45, $57, $253 respectively while Euclid and South Euclid are costlier by $315 and $36 respectively for similar homes.

Willowick, OH Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 150 2.0% $133
$70,000 to $79,999 92 1.0% $415
$80,000 to $89,999 135 2.0% $471
$90,000 to $99,999 241 4.0% $528
$100,000 to $124,999 1,823 35.0% $612
$125,000 to $149,999 1,571 30.0% $760
$150,000 to $174,999 645 12.0% $901
$175,000 to $199,999 153 2.0% $1041
$200,000 to $249,999 64 1.0% $1253
$250,000 to $299,999 94 1.0% $1534
$300,000 to $399,999 93 1.0% $1950

Renters Insurance in Willowick

  • Average Renters Insurance in Willowick :  $185($15/month)

  • Median Gross Rent in Willowick :  $740

  • Willowick Renters Insurance to Median Rent Ratio:  2.03%

  • Average household size of renter-occupied unit :  2.02

Willowick Renters Insurance as a Percentage of Rent

Willowick Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 16 1.0% $1246
$500 to $749 503 49.0% $1921
$750 to $999 303 29.0% $2671
$1,000 to $1,499 180 17.0% $3796

Rent Affordability in Willowick:

Approximately 48.0% (558) of households are spending more than 35% of their income on gross rent in Willowick

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 124 10.0%
15.0 to 19.9 percent 209 18.0%
20.0 to 24.9 percent 47 4.0%
25.0 to 29.9 percent 98 8.0%
30.0 to 34.9 percent 109 9.0%
35.0 percent or more 558 48.0%

Willowick Renters Insurance Discounts:

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

Number of Vehicles in Willowick, OH Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 673 58.0% $18.5
2 vehicles available 256 22.0% $27.75
3 or more vehicles available 109 9.0% $37.0

Protective device discount in Willowick Up to :  $27

Claims-free discount in Willowick Up to :  $37