Middletown Insurance Rates:

Middletown, OH homeowners insurance is roughly $587 to $796, about $48-$66/month. Our in depth research indicates shoppers can save upto $276 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I would highly recommend Allstate to other home owners. They are always there when I call them and seem ready to help me with any questions I may have.They also charge a lower price.
Erie Insurance
Overall I have been satisfied with my home insurance. However, I also have not had to use my insurance company for anything regarding my house. My only complaint would be the price.
American Modern Insurance
I don’t like american modern because although they do provide coverage for my property, i don’t believe they provide enough coverage. my home is valued slightly more than american modern’s coverage is willing to provide.
Allstate
What i like about them is their public reviews and through the bbb. i hear the claim process is very smooth.
Allstate
The website is very well done and very easy to navigate through. It makes it very easy to find what I need.
Liberty Mutual
So far, without having to make any claims, I can only honestly say give this company is good. From little interaction I have had with them, I am happy with their product and level of service.
Erie Insurance
I really don't use it much but I like that I can pay online through the website. Also, everything is paperless it's all on the website.
Metlife
Attractive, easy to use, has all the information needed for filing claims, updating policy, etc. Provided different methods for contacting customer service to discuss any concerns.
Allstate
I like the prices. I like the customer service. I like the commercials on TV. This company is good.
Geico
I guess it is good but because I have never filed a claim with them, so I can't really tell the overall part of the company.
State Farm
I like this insurance company because I am able to bundle all of my insurance needs under one total policy. I am also able to have a local representative whom I can connect with for any immediate concerns vs. having to use a call center over the phone. The coverages under this company are complete and affordable.
Progressive
The offerings are pretty much the same the only difference is the price. progressive beat every other insurance company for the same exact coverage.

Middletown, OH Homeowners Insurance By Home Value

Middletown, OH Home Value Total Homes % of Total Average Middletown, OH Homeowners Insurance
Less than $50,000 1,046 9.0% $158
$50,000 to $59,999 716 6.0% $345
$60,000 to $69,999 713 6.0% $428
$70,000 to $79,999 970 8.0% $490
$80,000 to $89,999 1,022 8.0% $559
$90,000 to $99,999 980 8.0% $628
$100,000 to $124,999 1,724 15.0% $725
$125,000 to $149,999 1,576 13.0% $905
$150,000 to $174,999 1,007 8.0% $1071
$175,000 to $199,999 486 4.0% $1236
$200,000 to $249,999 659 5.0% $1492
$250,000 to $299,999 259 2.0% $1824
$300,000 to $399,999 206 1.0% $2314

Top Home Insurance Agents Near Middletown, OH

Home Insurance Company Near Middletown, OH Homeowners Insurance Agency Near Middletown, OH Address
NA Kronauge Insurance Agency 312 Regency Ridge Dr , Dayton, OH, 45459
Erie Bush Re Shea Insurance Agency 7971 Alexandria Pike, Alexandria, KY, 41001
Nationwide Caroline Hennig 1117 Harrison Ave, Harrison, OH, 45030
State Farm Ron Delsignore 615 W Loveland Ave, Loveland, OH, 45140-2325
State Farm Tracy Davis 919 N Fort Thomas Ave, Fort Thomas, KY, 41075-1106

Middletown, OH Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Middletown, OH

Streets in Middletown Area Homeowners Insurance Cost
Ocala Dr, King St, Dominic Ct, Twp Hwy 70, Chandler Dr, Medical Center Dr, Twin Lakes Dr, Jason Ct, Carol Ct, Nickel Rd$744
Roberts Ave, Revere Run, Betsy Dr, Audubon Dr, Harriet Ave, Fairlane Pl, Co Hwy 21, Columbine Dr, Hill Ave, Manchester Rd$709
Mourning Dove Woods, Cogan St, Field Crest Dr, Pleasant Hill Blvd, Locust Ln, Keever Rd, Back Ln, Post Rail Ln, Grand Oak Dr, Linwood Rd$716
Coveflower Ct, Daybreak Dr, Co Hwy 80, Hamilton Middletown Rd, Hillsdale Dr, Meadowsweet Dr, Black Squirrel Way, Reveres Run, Condo St, Cincinnati Dayton Rd$740
Lakeview Dr, Harman Dr, Brookview Dr, Shakespeare Dr, Paddock Ct, Calumet Farms Dr, Cardinal Cove, William C Good Blvd, W Pekin Rd, Olive Ave$711
Mad River Rd, Glendell Dr, St Spring Garden, Woodcreek Dr, Dawn St, Mad River, Hart Rd, Ruby Dr, Oleander Dr, Shelly St$714
Co Hwy 13, Howard Rd, McLean Rd, Barbara Dr, Watkins Glen Dr, Sutton Ct, Stonepath Ct, State Rte 122, Fern Dr, Grey Owl Cove$734
Naldo Ln, Church Ln, Todd Rd, Bentwood Dr, N Garver Rd, Stone Path Dr, Robinson Vail Rd, Broadcrest Dr, Franklin Lebanon Rd, Heritage Ct$712
Co Hwy 20, Spencer Way, Mulford Rd, Bluebird Ct, Renaissance Blvd, Brandywine St, Jennifer Ln, Harman Rd, Co Hwy 48, Twin Oaks Dr$726
Scholl Rd, Portland Blvd, Marvel Dr, Salisbury Ct, Co Hwy 278, Joseph Rd, Maple Ct, Twp Hwy 101, Kirby Rd, Thrush Ct$744

Middletown, OH Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Middletown$103 to $105
Hunter$107
Lemon$108
Franklin$106

Middletown, 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
Hunter CDP, Ohio $90 $119 $179
Lemon township, Butler County, Ohio $90 $120 $180
Franklin township, Warren County, Ohio $89 $118 $177

Middletown, 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
Middletown, OH4.8%13.3%
Hunter4.71%14.31%
Lemon3.88%12.79%
Franklin4.45%14.75%

Middletown Renters Insurance as a Percentage of Rent

Middletown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 203 2.0% $355
$200 to $299 309 3.0% $805
$300 to $499 985 12.0% $1255
$500 to $749 2,766 34.0% $1930
$750 to $999 2,664 33.0% $2680
$1,000 to $1,499 930 11.0% $3805
$1,500 or more 106 1.0% $5455

Middletown, OH Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Middletown Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,700$5,100
Net Savings to Middletown Home Owner from High Deductible Plan $600

Middletown, OH Home Insurance Costs With Home Replacement Value Scenarios

Scenario Middletown, OH Home Replacement Value MORE than Home Value Middletown, OH Home Replacement Value LESS than Home Value
Replacement Value $219,000 $147,500
Insurance Premium based on Replacement Value $825 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $41,500 Risk Exposure from Under Insuring Coverage is $30,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $175/year

Example Middletown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceGEICO InsuranceChubb Group of Insurance
Monthly Premium 262232
Year Built 194319541976
Home Details 4 Beds, 2 Baths5 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $75000-$100000$100000-$125000$75000-$100000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1973 120,000 Shingles Roof 1,930 5 $500- $1000 Deductible 150 5 Vinyl siding No
1945 115,000 Metal Roof 1,610 2 $1000-$2500 Deductible 50 2 Fiber-Cement Siding No
1958 185,000 Wood Shake Roof 2,620 4 $500 Deductible 480 9 Stucco siding yes
1953 180,000 Metal Roof 2,090 5 $500- $1000 Deductible 420 7 Stone Siding yes
1944 210,000 Metal Roof 3,120 5 $500- $1000 Deductible 240 4 Stucco siding No
1949 105,000 Wood Shake Roof 1,340 2 $500 Deductible 100 3 Fiber-Cement Siding yes
1981 165,000 Slate Shingles Roof 2,150 3 $5000 to $10,000 Deductible 320 12 Stucco siding yes
1957 115,000 Slate Shingles Roof 1,520 2 $500- $1000 Deductible 270 9 Stucco siding yes
1981 145,000 Membrane Roof 2,270 3 $500 Deductible 500 8 Brick siding yes
1950 185,000 Shingles Roof 2,260 5 $500 Deductible 140 2 Wood siding No
1989 135,000 Metal Roof 1,800 5 $2500-$5000 Deductible 380 12 Wood siding No
1986 95,000 Asphalt Shingles Roof 1,660 2 $1000-$2500 Deductible 190 9 Brick siding yes
1983 105,000 Shingles Roof 1,600 5 $2500-$5000 Deductible 90 3 Fiber-Cement Siding yes
1949 255,000 Wood Shake Roof 4,210 5 $5000 to $10,000 Deductible 150 2 Stucco siding No
1941 295,000 Shingles Roof 4,060 5 $500- $1000 Deductible 90 1 Wood siding yes
1973 165,000 Metal Roof 2,060 4 $500- $1000 Deductible 120 2 Wood siding No
1984 340,000 Tile Roof 4,280 5 $5000 to $10,000 Deductible 470 6 Brick siding yes
1944 120,000 Wood Shake Roof 1,700 3 $500 Deductible 350 9 Brick siding yes
1961 105,000 Metal Roof 1,700 3 $500- $1000 Deductible 100 3 Stone Siding No
1953 240,000 Membrane Roof 3,160 4 $5000 to $10,000 Deductible 230 6 Fiber-Cement Siding No
1972 100,000 Metal Roof 1,290 2 $2500-$5000 Deductible 350 12 Wood siding No
1974 250,000 Composition Roof 3,240 4 $5000 to $10,000 Deductible 190 3 Wood siding No
1969 160,000 Slate Shingles Roof 1,950 3 $5000 to $10,000 Deductible 290 9 Vinyl siding No
1972 190,000 Asphalt Shingles Roof 2,410 4 $2500-$5000 Deductible 140 3 Wood siding yes
1944 115,000 Composition Roof 1,540 2 $1000-$2500 Deductible 60 2 Stone Siding yes
1972 165,000 Metal Roof 1,990 4 $2500-$5000 Deductible 220 7 Fiber-Cement Siding No
1987 120,000 Metal Roof 1,840 4 $2500-$5000 Deductible 60 3 Vinyl siding yes
1981 85,000 Wood Shake Roof 1,480 3 $1000-$2500 Deductible 230 10 Brick siding yes
1948 225,000 Membrane Roof 2,910 4 $500 Deductible 90 1 Brick siding yes
1982 70,000 Shingles Roof 900 2 $500 Deductible 200 12 Fiber-Cement Siding No
1940 245,000 Membrane Roof 3,020 4 $1000-$2500 Deductible 1070 12 Fiber-Cement Siding No
1976 245,000 Asphalt Shingles Roof 3,120 5 $1000-$2500 Deductible 590 12 Stucco siding yes
1961 130,000 Shingles Roof 1,770 3 $500 Deductible 90 2 Wood siding yes
1975 80,000 Metal Roof 1,300 2 $500 Deductible 170 5 Brick siding No

How To Make Your Middletown, OH Home Insurnace Cheaper