Dayton Insurance Rates:

Dayton, OH homeowners insurance is about $572 to $773, about $47-$64/month. Our thorough research shows customers can save as much as $269 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How to Find Low-Cost Homeowners Insurance in Dayton, OH

If you own a home in Dayton, OH, you should have homeowners insurance. Homeowners insurance covers your home and personal property in the event of damage or theft. It also covers you in the event that someone is injured on your property. Without homeowners insurance, you would have to pay out of pocket for any repairs or replacements needed for your home. If your house is damaged or destroyed, homeowner's insurance will shield you from monetary loss.

In Dayton, Ohio, homeowners insurance typically costs $519. The cost of homeowners insurance in Dayton, Ohio, is determined after considering a number of variables, including the house's age, the building materials used, the deductibles and policy options, claim history, and security measures.

VHome has thoroughly looked at these elements through its research.

1. Home insurance based on the deductibles

Home insurance premiums are generally based on the amount of the deductible. The higher the deductible, the lower the premium. Homeowners in Dayton typically pay deductibles of $1000 and $1500, with premiums of $463.88 and $436.69, respectively. Homeowners in Dayton who choose a low deductible must pay a higher premium. For instance, in Dayton, Ohio, homeowners who choose a $500 deductible for their home insurance pay $512.77.


2. Home insurance based on the materials used

The materials used to construct a house affect home insurance costs because they affect the home's replacement cost in the event of a loss. Houses built using durable materials are less likely to need repairs or other maintenance. For instance, in Dayton, Ohio, homes with hail-resistant roofs cost $508, while those with damage-resistant materials like masonry and brick cost $493.05.

3. Home insurance based on age of the house

The age of a home is a factor that affects insurance costs because an older home is more likely to have problems, such as a leaky roof. Additionally, an older home is more likely to have outdated electrical wiring, which is a fire hazard. Therefore, insurance companies charge higher premiums for insuring older homes. Homes older than 30 and 50 pay $526 and $538 in Dayton, Ohio. However, new built homes receive significant savings from home insurance companies. For instance, newly constructed homes in Dayton, Ohio, pay $410.

Tips For Choosing The Best Dayton, OH, Home Insurance Company

In Dayton, Ohio, homeowners pay an average home insurance rate of $825, which is significantly lower than the national average premium of $1,438. Below are some of the factors that Dayton homeowners should consider before choosing the home insurance company that best suits their coverage needs.


A.M. Best Rating

Financial strength is referred to as the capacity of an insurance company to grant current policyholders’ claims. Dayton homeowners are recommended to opt for home insurance companies with high financial strength ratings. A.M. Best rates home insurance companies based on their financial strength. Dayton homeowners can use these ratings to identify home insurance companies with a high financial capacity.

J.D. Power Score

J.D. Power awards home insurance companies with a score based on the feedback collected from current policyholders. The customer satisfaction score of an insurance company is calculated using policy coverage, insurance rates, discounts, customer handling, and the speed at which a claim is processed. Dayton homeowners can use the J.D. Power Score to choose insurance companies that ensure the satisfaction of policyholders.

Comparing Quotes

Home insurance companies use different parameters to calculate home insurance rates. Home insurance quotes can differ from one insurance company to another. Dayton homeowners should obtain quotes from multiple home insurance companies to choose the cheapest one. Homeowners should also consider the add-on policies offered by home insurance companies, in addition to the standard home insurance policy.

Deductibles Vs. Insurance Rates

Dayton homeowners can opt for high deductibles to lower their home insurance. The deductibles and the corresponding reduction in home insurance rates differ from one home insurance company to another. Dayton homeowners are advised to choose the home insurance company that offers the highest discount for their deductibles.

Claims Processing Speed

Home insurance companies should be swift in processing the claims of homeowners. Homeowners are generally given a time period of 10 to 30 days to file a claim in case of damages. Once submitted, home insurance companies take a maximum of 40 days to review the claim and accept or deny it. Dayton homeowners are suggested to choose home insurance companies with a simple and swift claims processing system.

Dayton, OH Homeowners Insurance By Home Value

Dayton, OH Home Value Total Homes % of Total Average Dayton, OH Homeowners Insurance
Less than $50,000 5,946 21.0% $228
$50,000 to $59,999 3,275 11.0% $484
$60,000 to $69,999 3,871 14.0% $598
$70,000 to $79,999 3,394 12.0% $693
$80,000 to $89,999 2,740 9.0% $787
$90,000 to $99,999 2,034 7.0% $874
$100,000 to $124,999 2,323 8.0% $1016
$125,000 to $149,999 1,417 5.0% $1271
$150,000 to $174,999 1,147 4.0% $1500
$175,000 to $199,999 445 1.0% $1736
$200,000 to $249,999 602 2.0% $2086
$250,000 to $299,999 303 1.0% $2550

Top Home Insurance Agents Near Dayton, OH

Home Insurance Company Near Dayton, OH Homeowners Insurance Agency Near Dayton, OH Address
NA Brad E. Lamoreaux Insurance Agency 650 Wessel Dr, Fairfield, OH, 45014
State Farm Carl Sharp 27 W Union St, Liberty, IN, 47353-1349
State Farm Chuck Shafer 1840 Lyons Rd, Centerville, OH, 45458-1839
Travelers Desmond Bros Inc 217 FAIRFIELD AVE, BELLEVUE, KY, 41073
Allstate Jack M. Boyer Jr 2006 Bonniedale Dr, Bellbrook, OH, 45305

Dayton, OH Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Dayton, OH

Streets in Dayton Area Homeowners Insurance Cost
Urbana Ave, Rossiter Dr, Erbaugh Ave, W 6th St, Lotus Dr, Hermosa Dr, Edgewood Ave, Foster Ave, Newgate Ave, Bender Ave$675
Community Dr, Kentwood Rd, Princeton Dr, England Ave, Draher St, Gascho Dr, Coury Ln, Kings Mill Ct, Morrell Dr, Bridge St$676
Lathrop Ave, W Shadyside Dr, Wendsbury Dr, S Kilmer St, Elmshaven Dr, Longview Ave, Blackfoot St, Radvansky Ln, E Mumma Ave, Newark Pl$697
Ruth Ave, Frericks Way, Bacon St, Sweetman St, Hickory Hill Dr, Ridgedale Rd, Embury Park Rd, Heiss Ave, Princeton Dr, E Monument Ave$666
Amesborough Rd, Woodruff Dr, Bohemian Ave, Westmont Pl, Shedborne Ave, Pinehill Ct, Rangeley Ave, S Horton St, Fairground Ave, Jasper St$704
Horace Ave, Prescott Ave, Westover Dr, N Williams St, Larkspur Dr, Otterbein Ave, Hickory St, Trone Ave, Maplehurst Ave, Cambridge Ave$664
W Hudson Ave, Kimbolton Ave, Fleetfoot St, Roberta Ln, Glen Rock Rd, Phillips Ave, Cetone Ave, W Orchard Springs Dr, Nancy Ave, Triple Crown Dr$662
Bay Tree Ct, Millvale Rd, Kings Hwy, N Beckel St, Styles Ave, Eastport Ave, Herron Cir, Cross St, Teton Ln, Pursell Ave$679
Honeywell Ct, Akron Pl, Dunn Pl, Ottello Ave, Earl Ave, Corinth Blvd, Pine Green Dr, Martel Dr, Centre St, Graham Pl$658
S Euclid Ave, Gummer Ave, Peerless, Channing Ln, Pollock Rd, Radio Rd, Zehler Ave, Bayard, Rawson Pl, Post Town Rd$672

Dayton, OH Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Dayton$100 to $102

Dayton, OH Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Harrison township, Montgomery County, Ohio $101 $134 $201
Riverside city, Ohio $103 $137 $206
Oakwood city, Ohio $115 $153 $230

Dayton, OH Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Dayton, OH5.4%14.4%

Dayton Renters Insurance as a Percentage of Rent

Dayton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,728 6.0% $368
$200 to $299 1,516 5.0% $818
$300 to $499 4,565 16.0% $1268
$500 to $749 10,097 36.0% $1943
$750 to $999 6,270 22.0% $2693
$1,000 to $1,499 2,991 10.0% $3818
$1,500 or more 434 1.0% $5468

Dayton, OH Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
45405 $71,600 $680
45410 $70,300 $670
45406 $68,700 $680
45404 $63,800 $670
45403 $60,400 $670
45417 $60,000 $670
45402 $57,700 $670
45419 $166,800 $730
45440 $163,800 $730
45409 $146,600 $730
45415 $130,600 $720
45418 $118,100 $710
45414 $107,200 $700

Dayton, OH Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Dayton Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,800$5,200
Net Savings to Dayton Home Owner from High Deductible Plan $600

Dayton, OH Home Insurance Costs With Home Replacement Value Scenarios

Scenario Dayton, OH Home Replacement Value MORE than Home Value Dayton, OH Home Replacement Value LESS than Home Value
Replacement Value $115,000 $89,000
Insurance Premium based on Replacement Value $400 $300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $13,500 Risk Exposure from Under Insuring Coverage is $12,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $50/year

Example Dayton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmFarmers Insurance
Monthly Premium 175031
Year Built 195219631979
Home Details 2 Beds, 1 Baths5 Beds, 4 Baths3 Beds, 2 Baths
Coverage Amount $50000-$75000$150000-$175000$100000-$125000
Deductible $1000-$2500 Deductible$500 Deductible$500 Deductible

Sample Home Insurance Rates for Dayton, OH from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1961 105,000 Composition Roof 2,040 4 $1000-$2500 Deductible 90 5 Wood siding No
1946 70,000 Wood Shake Roof 1,320 3 $500- $1000 Deductible 80 5 Wood siding No
1973 80,000 Shingles Roof 1,250 3 $2500-$5000 Deductible 50 3 Fiber-Cement Siding yes
1961 225,000 Asphalt Shingles Roof 4,460 5 $1000-$2500 Deductible 70 1 Stucco siding yes
1951 250,000 Wood Shake Roof 4,100 5 $500- $1000 Deductible 150 2 Stone Siding No
1977 155,000 Shingles Roof 2,940 4 $500- $1000 Deductible 60 1 Brick siding No
1953 230,000 Membrane Roof 4,310 5 $500 Deductible 460 7 Stucco siding yes
1956 110,000 Asphalt Shingles Roof 1,700 2 $500- $1000 Deductible 180 5 Brick siding No
1942 100,000 Shingles Roof 1,650 3 $500 Deductible 110 4 Brick siding yes
1978 90,000 Composition Roof 1,340 3 $2500-$5000 Deductible 50 2 Vinyl siding yes
1964 130,000 Shingles Roof 2,580 4 $1000-$2500 Deductible 310 8 Wood siding No
1967 235,000 Wood Shake Roof 3,530 5 $2500-$5000 Deductible 230 4 Stone Siding No
1968 90,000 Slate Shingles Roof 1,300 2 $500- $1000 Deductible 70 3 Fiber-Cement Siding No
1962 85,000 Wood Shake Roof 1,330 2 $500 Deductible 350 8 Stone Siding yes
1967 115,000 Tile Roof 2,060 4 $1000-$2500 Deductible 90 3 Vinyl siding yes
1958 55,000 Shingles Roof 1,100 2 $500- $1000 Deductible 50 3 Fiber-Cement Siding No
1943 120,000 Tile Roof 2,210 4 $500 Deductible 230 5 Stone Siding yes
1972 60,000 Slate Shingles Roof 1,270 2 $1000-$2500 Deductible 120 7 Brick siding yes
1949 95,000 Wood Shake Roof 1,710 2 $2500-$5000 Deductible 140 6 Vinyl siding yes
1948 120,000 Asphalt Shingles Roof 1,860 4 $500 Deductible 30 1 Brick siding yes
1954 125,000 Wood Shake Roof 2,420 4 $1000-$2500 Deductible 290 12 Vinyl siding No
1942 65,000 Slate Shingles Roof 1,330 2 $500- $1000 Deductible 20 1 Wood siding No
1976 110,000 Asphalt Shingles Roof 1,620 3 $1000-$2500 Deductible 100 3 Wood siding yes
1977 220,000 Asphalt Shingles Roof 3,150 4 $500 Deductible 180 2 Vinyl siding No
1973 110,000 Tile Roof 1,940 4 $1000-$2500 Deductible 130 3 Vinyl siding yes
1954 90,000 Slate Shingles Roof 1,660 2 $2500-$5000 Deductible 60 4 Stucco siding yes
1976 115,000 Membrane Roof 1,680 3 $2500-$5000 Deductible 110 4 Stucco siding No
1949 145,000 Membrane Roof 2,920 4 $2500-$5000 Deductible 360 9 Stucco siding yes
1961 190,000 Composition Roof 2,800 4 $500 Deductible 130 3 Vinyl siding No
1960 80,000 Membrane Roof 1,250 2 $500- $1000 Deductible 210 10 Stucco siding yes
1964 35,000 Shingles Roof 1,503 3 $1000-$2500 Deductible 30 2 Fiber-Cement Siding yes

Latest Home Insurance Reviews

Nationwide offers a wide variety of policies that I could choose from. I can close how much coverage and how much I am willing to spend.
My premium is significantly better than my previous carrier. My deductible is the exact same so no difference there, but the coverage options have made the premium much more desirable even with the decrease in premium.
Cincinnati Insurance
My experience is that it has been comparable in quality and offerings to other companies based on the previous policy and deductible I had.
State Farm
I think we might be a little bit higher, but I'm okay with that since they have more longevity than other companies.
Allstate insurance company is very flexible when you have your car. home ,and renters insurance in a bundle. Great discounts when all is combined.
State Farm
State Farm is everywhere. They respond quickly. They are knowledgeable. They offer various products. They are able to advise on proper amount of coverage.They state facts clearly.
Amica Mutual Insurance
Very satisfied with Amica, I highly recommend them because of their extraordinary customer service, reasonable rates and coverage.
Liberty Mutual
Liberty Mutual provides great service, the customer representatives are very helpful in answering any questions that I have, I believe this is a major way in which they separate themselves from their competitors
State Farm
I believe I have one of the best premiums out there that is cheap and also it covers a majority of things that are important to me.
American Modern Insurance
This insurance policy provided a higher home value coverage than other comparable insurance providers at the time we were shopping for insurance. Their coverage alone exceeded others by nearly $20,000 for our mobile home.
Definitely saved some money going through Nationwide compared to some other home insurance policies. I was able to get the same level of coverage for less money.
State Farm
My deductibles are about the same as with other companies. It depends on how much I want to pay for insurance. If I want a lower rate I can put my deductible at 1000, if I can handle the higher rate I can keep my deductible at 500.
State Farm
State farm's customer service center was very friendly and helpful associates. they can help with whatever you need to be done including sending out new cards.
State Farm
In some cases like pipe burst, they denied our claim even though we certified and explained in our part. that was a disappointment.
Cincinnati Insurance
-the have been prompt in handling a home claim i had. they paid for my entire roof replacement with little complaint or trouble.
Safeco Insurance
I do not like that Safeco does not have as low of a premium as the newer online insurance companies, such as Afflack or Esurance. They are a large insurance company, which is falling behind the offerings of the younger ones.
National General
I am actually paying $40 more per year for home insurance since I switched. But I'm saving over $700 on auto insurance as part of a bundle with National General.
It is fine compared to other companies. I don't think about it beyond that.
Erie Insurance
I think my insurance company offers the best prices around. I'm always sending people to check out their prices. You get a lot of coverage for your money. They really can't be beaten. They offer very competitive pricing compared to other major insurance carriers around.
State Farm
The company is good as far as making claims and taking care of the customer. The premiums are way to high with this company.
State Auto
They've always been too great with communication and interaction with me. They understand how timid new homeowners can be.
State Farm
They're rude, the rates are average to below average and definitely could be better, and their website could use more information on it than just a very average layout.
They are very nice to be at the agency. I almost feel like family. They immediately take care of any issues that I have.
Erie Insurance
There are only two cons I have about this insurance company. One of which is the pricing. The other is that they are fairly strict. There was a time they wouldn't carry me (with sports) car under my parent's plan. It wasn't until a few years later after owning the car, they allowed me to get my own insurance through them.
I have never had a reason to be dissatisfied with my insurance company. I think that I can rely on them if I needed to, and that's what's most important.
there is not anything that I think that I dislike about my company other than having to pay them the money. they do everything that I want when I want it in a way that is convenient for me
I would absolutely recommend Allstate to anyone. Their customer service reps are very friendly and the ability of the company to handle any claim is remarkable.
no hassle great help reasonable priced known name
Auto Owners Insurance
I have had no issues with my current policy so I cannot compare to others. I am completely satisfied.
State Farm
I like that when you call someone usually calls you right back. It's very easy to file a claim and if you have a question they do their best to find an answer for you.
American Family
They are reliable and they have a good rating plus the fact that I have always been treated fairly by the company claims representatives and by my agent.
Marion Mutual
I like that our insurance company doesn't raise our rates. I haven't had much interaction with them other than receiving mail.
American Family
What I dislike about the company is that the coverage cost is high. I've recently researched other home insurance companies and found that my current insurance company is among the highest.

How To Make Your Dayton, OH Home Insurance Cheaper

How Much Does Dayton, OH Home Insurance Cost?