Dayton ,OH Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Dayton, OH homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Dayton, OH is $1380. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Dayton, OH. VHome Insurance will help you navigate the world of homeowners insurance coverages in Dayton, OH.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $552 |
| $200,000 | $938 |
| $300,000 | $1,159 |
| $400,000 | $1,766 |
| $500,000 | $2,222 |
Home insurance costs in Dayton can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 045405 | $1,296 |
| 45410 | $1,306 |
| 45406 | $1,297 |
| 45404 | $1,294 |
| 45403 | $1,295 |
| 45417 | $1,290 |
| 45402 | $1,319 |
| 45419 | $1,405 |
| 45440 | $1,412 |
| 45409 | $1,391 |
| 45415 | $1,359 |
| 45418 | $1,380 |
| 45414 | $1,355 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Dayton, OH, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,415 |
| $1000 Deductible | $1,265 |
| $1500 Deductible | $1,194 |
| $2500 Deductible | $1,076 |
| $5000 Deductible | $911 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Dayton, OH | 5.4% | 14.4% |
| Harrison | 5.17% | 13.95% |
| Riverside | 5.11% | 12.93% |
| Oakwood | 3.17% | 8.72% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Dayton | $100 to $102 |
| Harrison | $100 |
| Riverside | $102 |
| Oakwood | $115 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $2,000 |
| 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 | |
| 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 |
| Insurance Company | Liberty Mutual | State Farm | Farmers Insurance |
| Monthly Premium | 17 | 50 | 31 |
| Year Built | 1952 | 1963 | 1979 |
| Home Details | 2 Beds, 1 Baths | 5 Beds, 4 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $50000-$75000 | $150000-$175000 | $100000-$125000 |
| Deductible | $1000-$2500 Deductible | $500 Deductible | $500 Deductible |