Lima, OH homeowners insurance is approximately $571 to $773, about $47-$64/month. Our thorough research indicates shoppers can save upto $268 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Lima, OH | Homeowners Insurance Agency Near Lima, OH | Address |
|---|---|---|
| Nationwide | Randall S Rogers | 322 W Franklin St, Kenton, OH, 43326-1702 |
| Travelers | Carey Ins And Financial Services Llc | 107 S MAIN ST, GROVER HILL, OH, 45849 |
| Liberty Mutual Independent | Everett Schmenk Ins Agcy Inc | 375 E Main Street, Ottawa, OH, 45875 |
| Erie | Kesner Insurance Agency Inc. | 806 Bellefontaine Avenue, Lima, OH, 45801 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Allen County, Ohio | $87 | $115 | $173 |
| American township, Allen County, Ohio | $87 | $116 | $174 |
| Fort Shawnee village, Ohio | $87 | $116 | $174 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Lima, OH | 6.2% | 16.7% |
| Allen County | 5.3% | 14.82% |
| American | 4.99% | 14.14% |
| Fort Shawnee | 5.18% | 14.88% |
| Lima Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 481 | 6.0% | $369 |
| $200 to $299 | 298 | 4.0% | $819 |
| $300 to $499 | 1,505 | 21.0% | $1269 |
| $500 to $749 | 2,609 | 37.0% | $1944 |
| $750 to $999 | 1,466 | 21.0% | $2694 |
| $1,000 to $1,499 | 445 | 6.0% | $3819 |
| $1,500 or more | 151 | 2.0% | $5469 |
| Streets in Lima Area | Homeowners Insurance Cost |
|---|---|
| Englewood Rd, S Woodlawn Ave, Sheridan Dr, S Central Ave, N Union St, Aspen Dr, W Ford Ave, N Baxter St, Dingledine Ave, Franklin St | $685 |
| N Kirk Ave, Edsel Ave, Knollwood Dr, N Jefferson St, Peacock Dr, Saratoga Ave, Lucille Dr, Cambridge Pl, Arlington Dr, W 16th St | $665 |
| W Chapman Ave, Town Line Rd, N Shore Dr, Yorkshire Dr, Lark Ave, S Pine St, Garland Ave, Ashwood Ave, Haller St, Kenmore St | $690 |
| Carlisle Ave, W Grand Ave, Columbia Dr, Ernest Dr, E Lane Ave, Lenore Ave, Victory Ave, Bay Cir, N Kenilworth Ave, Superior Ct | $680 |
| Trolley Ave, Ontario St, Shearin Ave, Fett Ave, N Mc Donel St, Wells Dr, N Lawnwood Dr, Clyde Ave, W McKibben St, Hazel Ave | $709 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Lima | $100 to $102 |
| Allen County | $103 |
| American | $104 |
| Shawnee | $106 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $2,600 |
| Yearly Lima Homeowner Insurance Premium Example | $800 | $600 |
| Out of Pocket Expense During Claim | $1,600 | $2,600 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $8,000 | $7,400 |
| Net Savings to Lima Home Owner from High Deductible Plan | $600 | |
| Scenario | Lima, OH Home Replacement Value MORE than Home Value | Lima, OH Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $82,000 | $52,000 |
| Insurance Premium based on Replacement Value | $300 | $200 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $18,000 | Risk Exposure from Under Insuring Coverage is $12,000 |
| Premium Impact | Insurance cheaper by $50/year | Insurance costlier by $50/year |
| Insurance Company | Allstate | Chubb Group of Insurance | Farmers Insurance |
| Monthly Premium | 18 | 26 | 31 |
| Year Built | 1944 | 1968 | 1985 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $50000-$75000 | $75000-$100000 | $100000-$125000 |
| Deductible | $500- $1000 Deductible | $2500-$5000 Deductible | $500 Deductible |