Lorain Insurance Rates:

Lorain, OH homeowners insurance is about $584 to $792, about $48-$66/month. Our detailed analysis reveals consumers can save as much as $274 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I would recommend my provider insofar as there are not other alternatives one is aware of. There is very little differentiation when it comes to big insurance companies.
Allstate
I would recommend them as a company but to keep an eye on premium and to be willing to shop around and change if it gets out of your comfort range.
Geico
I would definitely recommend Geico. As noted they have the best customer service that takes care of you immediately. They also have the best prices and deductibles that can be found in my area.
Allstate
They explain our policy very well and give us a call when it is time for renewal and go over our info to check for changes
Farmer's Insurance
The last time i filed a claim, the claim agent was very helpful and made sure we could reach out to him at any time during the claims process.
Liberty Mutual
I like that my premium is rolled into my mortgage payment. it is convenient that i don't have an extra bill to keep track of and that i can always be certain that the bill is paid.
Grange Insurance
My main problem is they outsource so I don't always get to speak to an American and they also don't call back if you leave a message sometimes
Erie Insurance
I wish my rates were lower especially since we have never had homeowners claim in 13 years. I think they should offer some sort of refund or discount to customers like me.
Cincinnati Insurance
I enjoy the company alot because your agent you are assigned actually shows they care I give them a 1.
State Farm
It is an easy to navigate website. There are answers to most of my questions. There is an option for an agent call back.
The Hartford
I RECOMMEND MY HOME INSURANCE COMPANY BECAUSE MY COMPANY STAFFS ARE FRIENDLY AND GENTLE,THEN CUSTOMERS ARE GAVE GOOD COMMENTS.

Lorain, OH Homeowners Insurance By Home Value

Lorain, OH Home Value Total Homes % of Total Average Lorain, OH Homeowners Insurance
Less than $50,000 1,085 7.0% $171
$50,000 to $59,999 786 5.0% $364
$60,000 to $69,999 1,166 7.0% $453
$70,000 to $79,999 1,385 9.0% $522
$80,000 to $89,999 1,742 11.0% $590
$90,000 to $99,999 1,560 10.0% $659
$100,000 to $124,999 2,468 16.0% $769
$125,000 to $149,999 1,423 9.0% $961
$150,000 to $174,999 1,245 8.0% $1133
$175,000 to $199,999 700 4.0% $1312
$200,000 to $249,999 625 4.0% $1573
$250,000 to $299,999 348 2.0% $1923
$300,000 to $399,999 194 1.0% $2445

Top Home Insurance Agents Near Lorain, OH

Home Insurance Company Near Lorain, OH Homeowners Insurance Agency Near Lorain, OH Address
NA Frank M. Valli Agency 1907 Cleveland Rd Ste 18, Sandusky, OH, 44870
Allstate Chad Nelson 120 Antioch Dr Ste B, Elyria, OH, 44035
Nationwide Dan Yanak Ins Agency Inc 1962 Kresge Dr, Amherst, OH, 44001-1256
Nationwide Dennis E Taylor Agency Inc 3982 St. Rt. 43, Kent, OH, 44240
Erie Thompson & Hummel Insurance Inc. 188 East Avenue, Tallmadge, OH, 44278

Lorain, OH Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Lorain, OH

Streets in Lorain Area Homeowners Insurance Cost
Loretta Ct, Waverly Pl, Yorktown Rd, Indiana Ave, Hickory Hill Ave, Woodcrest Ct, W 32nd St, Collingwood Dr, Nebraska Ave, Franke Dr$727
W Skyline Dr, Nevada Ave, W 27th St, Colony Ct, Factory St, 44th St, Grenoble Dr, E 30th St, W 26th St, Maurer Dr$675
Day Dr, Oak Branch Cir, Gargasz Dr, 10th St, Chestnut Ct, Garden Ave, Mayfield St, Infinity Ln, E 28th St, Arkansas Ave$709
E Erie Ave, Beech Ave, Industrial St, Jackson St, Sterling Rd, Kresge Dr, Manhattan Dr, Evergreen Ct, Plant St, 47th St$671
E 39th St, Grace St, Denver Ave, Eagle Ave, E 18th St, E 14th St, Clifton Ave, W 18th St, Miami Ave, W 7th Ct$678

Lorain, OH Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lorain$103 to $105
Lorain County$107
Amherst$108
Sheffield$110

Lorain, 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
Lorain County, Ohio $89 $119 $178
Amherst city, Ohio $91 $121 $181
Sheffield village, Ohio $92 $122 $183

Lorain, 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
Lorain, OH5.2%14.6%
Lorain County4.32%13.25%
Amherst3.97%13.9%
Sheffield3.63%11.16%

Lorain Renters Insurance as a Percentage of Rent

Lorain Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 557 5.0% $358
$200 to $299 753 7.0% $808
$300 to $499 1,819 17.0% $1258
$500 to $749 3,712 36.0% $1933
$750 to $999 2,083 20.0% $2683
$1,000 to $1,499 1,263 12.0% $3808

Lorain, OH Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Lorain Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,900$4,300
Net Savings to Lorain Home Owner from High Deductible Plan $600

Lorain, OH Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lorain, OH Home Replacement Value MORE than Home Value Lorain, OH Home Replacement Value LESS than Home Value
Replacement Value $196,500 $134,000
Insurance Premium based on Replacement Value $875 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $40,000 Risk Exposure from Under Insuring Coverage is $22,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $175/year

Example Lorain Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualErie InsuranceFarmers Insurance
Monthly Premium 237544
Year Built 196119851976
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $100000-$125000$175000-$200000$125000-$150000
Deductible $2500-$5000 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1945 130,000 Shingles Roof 2,110 3 $500 Deductible 450 9 Stucco siding yes
1972 125,000 Slate Shingles Roof 2,230 5 $500 Deductible 500 12 Stone Siding No
1949 125,000 Asphalt Shingles Roof 2,050 5 $1000-$2500 Deductible 230 8 Fiber-Cement Siding yes
1967 120,000 Composition Roof 1,940 3 $500 Deductible 430 12 Brick siding yes
1977 140,000 Tile Roof 2,300 4 $2500-$5000 Deductible 80 3 Wood siding No
1957 235,000 Slate Shingles Roof 3,150 5 $1000-$2500 Deductible 320 4 Fiber-Cement Siding yes
1964 315,000 Membrane Roof 4,820 5 $5000 to $10,000 Deductible 180 3 Stone Siding No
1942 170,000 Metal Roof 2,990 5 $5000 to $10,000 Deductible 60 2 Vinyl siding No
1985 265,000 Tile Roof 4,770 5 $500 Deductible 1200 12 Brick siding yes
1967 195,000 Composition Roof 2,370 5 $5000 to $10,000 Deductible 60 2 Stucco siding yes
1952 225,000 Slate Shingles Roof 3,970 5 $500- $1000 Deductible 710 9 Vinyl siding No
1954 120,000 Slate Shingles Roof 2,100 3 $1000-$2500 Deductible 460 10 Brick siding No
1948 140,000 Slate Shingles Roof 2,480 4 $1000-$2500 Deductible 200 6 Fiber-Cement Siding No
1975 210,000 Shingles Roof 3,020 4 > $10,000 Deductible 80 2 Stone Siding yes
1982 275,000 Metal Roof 3,370 4 > $10,000 Deductible 240 4 Stone Siding No
1985 240,000 Metal Roof 3,390 4 $500- $1000 Deductible 540 9 Stucco siding No
1972 110,000 Composition Roof 1,920 5 $2500-$5000 Deductible 110 5 Fiber-Cement Siding No
1960 150,000 Wood Shake Roof 2,350 3 $500 Deductible 90 2 Fiber-Cement Siding yes
1949 165,000 Composition Roof 2,960 4 $1000-$2500 Deductible 50 1 Stone Siding No
1976 190,000 Membrane Roof 2,310 3 $500 Deductible 340 6 Stucco siding No
1978 260,000 Shingles Roof 3,450 5 > $10,000 Deductible 180 4 Brick siding yes
1967 155,000 Wood Shake Roof 2,320 3 $2500-$5000 Deductible 400 12 Stone Siding No
1944 145,000 Asphalt Shingles Roof 2,040 3 $500 Deductible 140 3 Brick siding No
1948 250,000 Shingles Roof 3,710 5 $5000 to $10,000 Deductible 160 3 Brick siding yes
1988 165,000 Slate Shingles Roof 2,380 3 $2500-$5000 Deductible 170 6 Vinyl siding No
1987 190,000 Composition Roof 3,110 4 $5000 to $10,000 Deductible 290 7 Vinyl siding No
1977 195,000 Asphalt Shingles Roof 2,350 3 $5000 to $10,000 Deductible 180 5 Vinyl siding No
1954 120,000 Asphalt Shingles Roof 1,840 4 $2500-$5000 Deductible 290 10 Vinyl siding No
1960 130,000 Slate Shingles Roof 1,900 3 $2500-$5000 Deductible 400 10 Fiber-Cement Siding yes
1975 245,000 Membrane Roof 3,600 5 > $10,000 Deductible 300 8 Stucco siding No
1950 355,000 Composition Roof 4,310 5 $5000 to $10,000 Deductible 550 9 Stone Siding No
1943 120,000 Wood Shake Roof 1,590 5 $2500-$5000 Deductible 30 1 Vinyl siding No
1985 200,000 Tile Roof 2,480 4 $500 Deductible 500 7 Vinyl siding No
1987 145,000 Composition Roof 2,160 3 $2500-$5000 Deductible 210 7 Stone Siding No

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