Lima Insurance Rates:

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.

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Latest Home Insurance Reviews

Farm Bureau
Another one of my favorite things is that as we worked to write a policy together for our home, i believe that she helped find the best fit for us while paying the least.
Prudential
If you make a claim, you will pay for it in the long run, they will raise your rates.
Progressive
Progressive is very well known including likely in the usa. they have a great record with many referrals.

Lima, OH Homeowners Insurance By Home Value

Lima, OH Home Value Total Homes % of Total Average Lima, OH Homeowners Insurance
Less than $50,000 1,922 26.0% $228
$50,000 to $59,999 632 8.0% $490
$60,000 to $69,999 882 12.0% $604
$70,000 to $79,999 1,241 17.0% $698
$80,000 to $89,999 771 10.0% $792
$90,000 to $99,999 402 5.0% $887
$100,000 to $124,999 538 7.0% $1028
$125,000 to $149,999 240 3.0% $1290
$150,000 to $174,999 254 3.0% $1525
$200,000 to $249,999 177 2.0% $2116
$250,000 to $299,999 77 1.0% $2587

Top Home Insurance Agents Near Lima, OH

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
NA Mcinturff Insurance Agency Po Box 602 Saint Paris, St Paris, OH, 43072
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

Cost Of Homeowners Insurance By Street Near Lima, OH

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

Lima, OH Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lima$100 to $102
Allen County$103
American$104
Shawnee$106

Lima, 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
Allen County, Ohio $87 $115 $173
American township, Allen County, Ohio $87 $116 $174
Fort Shawnee village, Ohio $87 $116 $174

Lima, 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
Lima, OH6.2%16.7%
Allen County5.3%14.82%
American4.99%14.14%
Fort Shawnee5.18%14.88%

Lima Renters Insurance as a Percentage of Rent

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

Lima, OH Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$2,300
Yearly Lima Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,300$4,700
Net Savings to Lima Home Owner from High Deductible Plan $600

Lima, OH Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lima, OH Home Replacement Value MORE than Home Value Lima, OH Home Replacement Value LESS than Home Value
Replacement Value $145,500 $100,000
Insurance Premium based on Replacement Value $625 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,500 Risk Exposure from Under Insuring Coverage is $22,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year

Example Lima Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateChubb Group of InsuranceAmerican Family Insurance
Monthly Premium 293122
Year Built 194719721985
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $75000-$100000$100000-$125000$75000-$100000
Deductible $500- $1000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1941 115,000 Tile Roof 1,700 3 $1000-$2500 Deductible 440 12 Brick siding No
1978 120,000 Asphalt Shingles Roof 2,580 4 $500 Deductible 310 10 Stone Siding No
1983 135,000 Membrane Roof 2,890 4 $500 Deductible 340 9 Wood siding yes
1985 115,000 Slate Shingles Roof 1,690 2 $500 Deductible 60 1 Stucco siding yes
1975 175,000 Slate Shingles Roof 2,970 4 $1000-$2500 Deductible 80 2 Fiber-Cement Siding yes
1972 75,000 Asphalt Shingles Roof 1,080 2 $500- $1000 Deductible 20 1 Vinyl siding No
1941 100,000 Tile Roof 2,140 4 $500 Deductible 180 6 Stucco siding yes
1977 100,000 Tile Roof 1,860 3 $1000-$2500 Deductible 130 4 Vinyl siding yes
1978 90,000 Composition Roof 1,500 3 $2500-$5000 Deductible 190 10 Wood siding yes
1956 90,000 Wood Shake Roof 1,680 3 $500- $1000 Deductible 200 8 Stone Siding yes
1956 105,000 Membrane Roof 1,580 2 $500- $1000 Deductible 60 2 Stucco siding No
1954 160,000 Composition Roof 2,300 4 $500 Deductible 580 12 Fiber-Cement Siding yes
1937 50,000 Metal Roof 1,037 2 $500 Deductible 80 8 Stone Siding yes