Germantown Insurance Rates:

Germantown, OH homeowners insurance is about $595 to $814, about $49-$67/month. Our complete guide shows customers can save as much as $281 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Germantown, OH Homeowners Insurance By Home Value

Germantown, OH Home Value Total Homes % of Total Average Germantown, OH Homeowners Insurance
$50,000 to $59,999 76 4.0% $288
$70,000 to $79,999 117 6.0% $415
$80,000 to $89,999 58 3.0% $471
$90,000 to $99,999 169 10.0% $528
$100,000 to $124,999 410 24.0% $605
$125,000 to $149,999 328 19.0% $760
$150,000 to $174,999 182 10.0% $901
$175,000 to $199,999 141 8.0% $1041
$200,000 to $249,999 106 6.0% $1253
$250,000 to $299,999 61 3.0% $1527
$300,000 to $399,999 41 2.0% $1943

Top Home Insurance Agents Near Germantown, OH

Home Insurance Company Near Germantown, OH Homeowners Insurance Agency Near Germantown, OH Address
Travelers Wagner Insurance Agency Inc 1050 S MAIN ST, DAYTON, OH, 45409
NA Siefferman Insurance Agency Inc. 10403 Ave Ste. 200, Harrison, OH, 45030
Allstate Brian Woods 10760 Montgomery Rd, Cincinnati, OH, 45242
Liberty Mutual Independent Cornerstone Insurance Llc 5275 Madison Pike, INDEPENDENCE, KY, 41051
State Farm Jim Stocks 135 W Dorothy Ln Ste 107, Dayton, OH, 45429-1477

Cost Of Homeowners Insurance By Street Near Germantown, OH

Streets in Germantown Area Homeowners Insurance Cost
Arch St, Carlisle Pike, Kelly St, Moses Rd, Barlow Rd, Farmersville Germantn Pike, S Butter St, Worthington Dr, Pennsylvania Ave, Kimberly Ct$708
Colonial Cir, E Warren St, Scott Ct, Scott Dr, Germtwn Middletown Pike, Highland Pl, Prairie Pl, Knollview Ct, Aster Ct, Gibraltar Dr$710
Huber Ave, Arnold Ave, W Gunckel St, Wetz Ln, Catherine Ct, Lindell Dr, S Water St, Baden Rd, Jill Rd, McCall Rd$709
W Market St, Hoover Pl, Pagett Dr, Nickell Ct, Willis Way, Kelly Ave, Jamaica Rd, Marshall Ave, Perry St, Catherine Dr$706
N Circle Dr, Moler Ave, Mc Clure St, Conservancy Rd, Wetzel Rd, Sugar St, Little Twin Rd, Broadhill Pl, N Butter St, Anthony Rd$710

Germantown, OH Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Germantown$105 to $108
German$107
Farmersville$103
Miami$106

Germantown, 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
German township, Montgomery County, Ohio $107 $142 $213
Farmersville village, Ohio $104 $138 $207
Miamisburg city, Ohio $107 $143 $215

Germantown, 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
Germantown, OH4.1%13.0%
German3.94%12.22%
Farmersville4.54%12.76%
Miamisburg4.31%12.68%

Germantown Renters Insurance as a Percentage of Rent

Germantown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 61 14.0% $1246
$500 to $749 199 47.0% $1921
$750 to $999 109 26.0% $2671
$1,000 to $1,499 41 9.0% $3796
$1,500 or more 6 1.0% $5446

Germantown, OH Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$2,200
Yearly Germantown Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,200$2,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,600$7,000
Net Savings to Germantown Home Owner from High Deductible Plan $600

Germantown, OH Home Insurance Costs With Home Replacement Value Scenarios

Scenario Germantown, OH Home Replacement Value MORE than Home Value Germantown, OH Home Replacement Value LESS than Home Value
Replacement Value $158,000 $121,000
Insurance Premium based on Replacement Value $625 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $15,000 Risk Exposure from Under Insuring Coverage is $22,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $75/year

Example Germantown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAmerican Family InsuranceTravelers
Monthly Premium 4245119
Year Built 197320101986
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $150000-$175000$150000-$175000$300000-$350000
Deductible $5000 to $10,000 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1971 185,000 Wood Shake Roof 1,890 3 $1000-$2500 Deductible 560 10 Wood siding yes
1947 195,000 Slate Shingles Roof 2,030 3 $1000-$2500 Deductible 150 3 Stucco siding No
1977 150,000 Composition Roof 2,230 3 $1000-$2500 Deductible 270 7 Vinyl siding No
1964 230,000 Membrane Roof 2,700 4 $500 Deductible 1090 12 Stucco siding No
1960 115,000 Wood Shake Roof 1,410 3 $2500-$5000 Deductible 250 7 Brick siding yes
1962 260,000 Composition Roof 3,370 5 $1000-$2500 Deductible 1070 12 Stucco siding No
1943 215,000 Tile Roof 2,300 5 $500 Deductible 240 4 Brick siding No
1941 135,000 Slate Shingles Roof 1,610 5 $500- $1000 Deductible 140 4 Fiber-Cement Siding No
2013 200,000 Shingles Roof 2,280 3 $2500-$5000 Deductible 460 12 Stone Siding yes
1969 120,000 Metal Roof 1,480 3 $1000-$2500 Deductible 40 1 Vinyl siding No
1973 315,000 Shingles Roof 3,330 4 $500 Deductible 1610 12 Fiber-Cement Siding No
2013 175,000 Slate Shingles Roof 2,240 5 $2500-$5000 Deductible 740 12 Wood siding No
1975 105,000 Metal Roof 1,270 3 $500 Deductible 50 2 Stucco siding yes
1981 135,000 Slate Shingles Roof 2,010 3 $500- $1000 Deductible 90 2 Fiber-Cement Siding yes
1965 195,000 Asphalt Shingles Roof 2,030 4 $2500-$5000 Deductible 70 2 Brick siding No
1949 190,000 Membrane Roof 2,000 4 $5000 to $10,000 Deductible 240 7 Wood siding No
2014 260,000 Tile Roof 3,390 5 $5000 to $10,000 Deductible 80 2 Fiber-Cement Siding yes
1942 160,000 Slate Shingles Roof 1,770 5 $500 Deductible 480 10 Vinyl siding No
2010 300,000 Membrane Roof 3,310 4 $2500-$5000 Deductible 320 4 Vinyl siding yes
2011 135,000 Slate Shingles Roof 1,540 3 $500 Deductible 550 12 Stucco siding yes
1943 125,000 Metal Roof 1,590 5 $500- $1000 Deductible 150 3 Stucco siding No
1961 135,000 Membrane Roof 1,640 4 $2500-$5000 Deductible 100 4 Stone Siding No
2012 205,000 Tile Roof 2,250 3 $500- $1000 Deductible 320 4 Stone Siding yes
1989 95,000 Tile Roof 1,450 3 $500- $1000 Deductible 80 3 Vinyl siding yes
2011 210,000 Asphalt Shingles Roof 2,240 4 $1000-$2500 Deductible 620 9 Stone Siding No
1981 130,000 Asphalt Shingles Roof 1,670 4 $1000-$2500 Deductible 30 1 Fiber-Cement Siding yes
2010 125,000 Metal Roof 1,800 3 $1000-$2500 Deductible 340 10 Vinyl siding yes
1979 160,000 Wood Shake Roof 1,660 5 $5000 to $10,000 Deductible 50 2 Fiber-Cement Siding No