Sylvania, OH Home Insurance - Analysis On Quotes, Rates & Agents
Sylvania Insurance Rates:
Sylvania, OH homeowners insurance is about $626 to $851, about $52-$70/month. Our comprehensive analysis shows customers can save upto $295 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Affordable Home Insurance Rates in Sylvania, OH
As a homeowner in Sylvania, you know your home is your castle. You’ve worked hard to make it a comfortable and inviting place for your family, and you want to do everything you can to protect it. That’s why having quality home insurance is so important. Many different things can happen to your home that could cause serious damage, and you need to be prepared for them. Home insurance can help protect your home from fire, theft, and other potential disasters.
The average price of home insurance in Sylvania, OH, is $808. When shopping for home insurance, it’s important to find a policy that covers all the potential risks that your home faces. You should also ensure that you get enough coverage to protect your home and belongings. The best way to find the right home insurance policy for your needs is to work with an experienced insurance agent. They can help you understand your options and find the right policy for your home. Read on to find out how you may use these factors to get your Sylvania, Ohio, home insurance premiums lower.
By Choosing a Higher Deductible
The price of home insurance in Sylvania, OH, can be affected by the deductible amount. A higher deductible will usually result in a lower premium because the insurance company will have less financial risk. However, this means that the policyholder will have to pay more out-of-pocket if they need to make a claim. Homeowners in Sylvania, Ohio, pay $798 and $680 in premiums, respectively, for deductibles of 500 and 1500. On the other hand, homeowners with deductibles of 2000 and 2500 pay $617 and $580, respectively. Therefore, the higher the deductible, the lower the homeowner's insurance rates in Sylvania, OH.
By Installing Security Features
Installing home security features can save you money on your home insurance premiums. Most insurance companies offer discounts for homes with security features, which can be significant. Several different security features can be installed in a home, such as burglar alarms, deadbolt locks, smoke detectors, and security cameras, and insurance companies will often offer different discounts for different features. For instance, in Sylvania, Ohio, homeowners that install fire extinguishers and deadbolts pay $743 and $695, respectively.
By Maintaining a Zero Claims History
It's no secret that your claims history can affect your home insurance rates. If you have a history of filing multiple claims, your insurance company may view you as a high-risk customer and charge you higher rates. On the other hand, if you have a zero claims history, you may be eligible for discounts and other perks from your insurance company. For instance, in Sylvania, Ohio, homeowners who have never filed a claim have to pay a premium of $695. However, homeowners must pay $873 and $921 for a single or two claims.
Sylvania, OH Homeowners Insurance By Home Value
| Sylvania, OH Home Value | Total Homes | % of Total | Average Sylvania, OH Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 462 | 3.0% | $95 |
| $70,000 to $79,999 | 336 | 2.0% | $295 |
| $80,000 to $89,999 | 255 | 1.0% | $339 |
| $90,000 to $99,999 | 438 | 3.0% | $376 |
| $100,000 to $124,999 | 1,329 | 9.0% | $435 |
| $125,000 to $149,999 | 1,419 | 10.0% | $546 |
| $150,000 to $174,999 | 2,176 | 15.0% | $649 |
| $175,000 to $199,999 | 1,905 | 13.0% | $745 |
| $200,000 to $249,999 | 2,902 | 20.0% | $900 |
| $250,000 to $299,999 | 1,362 | 9.0% | $1099 |
| $300,000 to $399,999 | 1,150 | 8.0% | $1402 |
Top Home Insurance Agents Near Sylvania, OH
| Home Insurance Company Near Sylvania, OH | Homeowners Insurance Agency Near Sylvania, OH | Address |
|---|---|---|
| NA | Fishco, Inc., Dba Andres O'Neil & Lowe Agency | 212 N Defiance St , Archbold, OH, 43502 |
| State Farm | Carla A Gerhardt | 5900 E Dunbar, Monroe, MI, 48161-3755 |
| State Farm | Ed Lape | 460 W Perry Street, Tiffin, OH, 44883-1902 |
| Travelers | Savage Mcvicker Ins Inc | 4331 KEYSTONE DR STE C, MAUMEE, OH, 43537 |
| Allstate | Tim Birk | 6595 Secor Rd, Lambertville, MI, 48144 |
Sylvania, OH Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Sylvania, OH
| Streets in Sylvania Area | Homeowners Insurance Cost |
|---|---|
| Spring Rye Ct, Northpark Lake Cir, Westowne Ct, Honora Dr, Waterford Ct, Inlands Ct, Harrowsfield Rd, W Candlestick Ct, Woodside Trl, Windy Brook Ct | $768 |
| Jimson Ct, Amberwood Ln, Wild Pheasant Ln, Sturbridge Rd, Cedar Creek Ln, Millford Dr, Edgebrook Blvd, Anvil Ct, Fairway Ln, Brooke Ln | $742 |
| Shaftesbury Dr, Webster Rd, Luddington Dr, Sylvan Lakes Blvd, Janet Ave, Wicklow Woods Dr, Summer Dr, Chatfield Dr, Birchtree Dr, Roosevelt Ln | $723 |
| Luddington Dr, Heather Pl, Lynnhaven Dr, Artwell Dr, Eversham Ct, Snowden Dr, Robinhood Ln, Huntley Dr, Ian Cove, Mallory Ct | $722 |
| Madison Cove Ct, Seagert Dr, Pine Ridge Rd, Pepperwood Ct, Harris Oak Ct, Duck Lake Ct, Brookfield Dr, Bilby Way, Mayberry Sq N, London Ridge Ct | $756 |
| Westacre Ln, Shadywood Ln, Kinsale Ct, Mayberry Sq E, Kest Ln, Fox Hollow Ct, Chatham Valley Dr, Scarsborough Rd, Saltwood Ct, Colgate Rd | $758 |
| Argonne Pl, Chaney Dr, E Cobblestones Ln, Valley Stream Rd, Finchwood Ln, Cherrington Rd, Glenhill Dr, Colonial Ct, Barendt Rd, Northview Dr | $739 |
| Pembroke Rd, Riverhills Ln, Wyndham Ct, Wealdstone Rd, Spring Water Dr, Pyle Dr, Acres Rd, Londonderry Ln, Cloister Ct, S Oak Ct | $743 |
| Holman Rd, Sheffield Ct, Vineyard Rd, Aftwood Dr, Spring Mill Ct, Longwood Dr, Twp Hwy 25, Orchard Dr, Boshart Way, Canterbury Ct | $790 |
| Brookestone Village Ln, Hedingham Rd, Santa Barbara Dr, Sun Valley Blvd, Glenrock Ct, Pines Dr, Stoneham Rd, Davenport Rd, Golden Pond Ln, Friarton Cir | $750 |
Sylvania, OH Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Sylvania | $110 to $113 |
| Ottawa Hills | $118 |
| Holland | $107 |
| Whiteford | $117 |
Sylvania, 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 |
|---|---|---|---|
| Ottawa Hills village, Ohio | $118 | $157 | $236 |
| Holland village, Ohio | $107 | $143 | $215 |
| Whiteford township, Monroe County, Michigan | $117 | $156 | $234 |
Sylvania, OH Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Sylvania, OH | 3.7% | 10.3% |
| Ottawa Hills | 2.74% | 6.55% |
| Holland | 3.98% | 13.18% |
| Whiteford | 4.36% | 14.31% |
Sylvania Renters Insurance as a Percentage of Rent
| Sylvania Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 210 | 5.0% | $1222 |
| $500 to $749 | 1,459 | 39.0% | $1897 |
| $750 to $999 | 896 | 24.0% | $2647 |
| $1,000 to $1,499 | 887 | 23.0% | $3772 |
| $1,500 or more | 215 | 5.0% | $5422 |
Sylvania, OH Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $2,900 |
| Yearly Sylvania Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $1,900 | $2,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,500 | $6,900 |
| Net Savings to Sylvania Home Owner from High Deductible Plan | $600 | |
Sylvania, OH Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Sylvania, OH Home Replacement Value MORE than Home Value | Sylvania, OH Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $144,500 | $94,000 |
| Insurance Premium based on Replacement Value | $475 | $300 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $26,500 | Risk Exposure from Under Insuring Coverage is $24,000 |
| Premium Impact | Insurance cheaper by $75/year | Insurance costlier by $100/year |
Example Sylvania Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Nationwide Insurance | Farmers Insurance | Liberty Mutual |
| Monthly Premium | 35 | 73 | 157 |
| Year Built | 2003 | 1963 | 1991 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $125000-$150000 | $250000-$300000 | $500000-$600000 |
| Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible | $1000-$2500 Deductible |
Sample Home Insurance Rates for Sylvania, OH from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2008 | 315,000 | Metal Roof | 3,350 | 4 | > $10,000 Deductible | 320 | 5 | Wood siding | No |
| 2012 | 150,000 | Composition Roof | 1,280 | 3 | $1000-$2500 Deductible | 360 | 9 | Wood siding | No |
| 1979 | 145,000 | Wood Shake Roof | 1,480 | 3 | $500 Deductible | 250 | 5 | Fiber-Cement Siding | yes |
| 2012 | 220,000 | Membrane Roof | 1,740 | 4 | $1000-$2500 Deductible | 890 | 12 | Brick siding | No |
| 1993 | 185,000 | Slate Shingles Roof | 1,570 | 3 | $500 Deductible | 400 | 5 | Vinyl siding | yes |
| 1970 | 170,000 | Shingles Roof | 1,590 | 3 | $5000 to $10,000 Deductible | 390 | 9 | Vinyl siding | yes |
| 2004 | 535,000 | Slate Shingles Roof | 4,820 | 5 | $500 Deductible | 1550 | 10 | Brick siding | No |
| 1960 | 605,000 | Membrane Roof | 4,780 | 5 | $5000 to $10,000 Deductible | 230 | 2 | Stucco siding | No |
| 2013 | 270,000 | Membrane Roof | 2,480 | 4 | $500- $1000 Deductible | 270 | 4 | Wood siding | yes |
| 2002 | 240,000 | Tile Roof | 2,090 | 3 | $1000-$2500 Deductible | 260 | 4 | Stucco siding | yes |
| 2013 | 255,000 | Membrane Roof | 2,290 | 3 | $5000 to $10,000 Deductible | 190 | 5 | Vinyl siding | No |
| 2013 | 270,000 | Asphalt Shingles Roof | 2,850 | 4 | $1000-$2500 Deductible | 390 | 6 | Vinyl siding | yes |
| 1988 | 320,000 | Composition Roof | 2,520 | 5 | $5000 to $10,000 Deductible | 360 | 7 | Vinyl siding | No |
| 2008 | 590,000 | Tile Roof | 4,950 | 5 | $5000 to $10,000 Deductible | 100 | 1 | Fiber-Cement Siding | No |
| 1985 | 320,000 | Tile Roof | 3,330 | 4 | $1000-$2500 Deductible | 390 | 5 | Vinyl siding | yes |
| 1990 | 275,000 | Membrane Roof | 3,060 | 5 | $2500-$5000 Deductible | 660 | 8 | Stone Siding | No |
| 1974 | 240,000 | Tile Roof | 2,800 | 5 | $500- $1000 Deductible | 320 | 5 | Fiber-Cement Siding | No |
| 2013 | 145,000 | Wood Shake Roof | 1,250 | 3 | $2500-$5000 Deductible | 400 | 10 | Vinyl siding | yes |
| 2014 | 570,000 | Composition Roof | 4,670 | 5 | $2500-$5000 Deductible | 370 | 3 | Stucco siding | No |
| 1992 | 335,000 | Membrane Roof | 3,380 | 4 | $500- $1000 Deductible | 1060 | 9 | Stucco siding | yes |
| 1989 | 140,000 | Tile Roof | 1,200 | 3 | $1000-$2500 Deductible | 290 | 7 | Stone Siding | No |
| 2007 | 260,000 | Asphalt Shingles Roof | 2,160 | 3 | $500- $1000 Deductible | 160 | 2 | Fiber-Cement Siding | yes |
| 2010 | 160,000 | Tile Roof | 1,420 | 3 | $5000 to $10,000 Deductible | 250 | 7 | Brick siding | yes |
| 1964 | 600,000 | Asphalt Shingles Roof | 4,830 | 5 | $1000-$2500 Deductible | 1170 | 6 | Fiber-Cement Siding | yes |
| 2010 | 225,000 | Metal Roof | 2,700 | 4 | $1000-$2500 Deductible | 590 | 9 | Vinyl siding | yes |
| 2004 | 220,000 | Wood Shake Roof | 1,880 | 3 | > $10,000 Deductible | 210 | 6 | Stone Siding | yes |
| 1992 | 220,000 | Metal Roof | 2,160 | 4 | $1000-$2500 Deductible | 380 | 9 | Wood siding | No |
| 1978 | 165,000 | Metal Roof | 1,370 | 3 | $500 Deductible | 200 | 3 | Stone Siding | yes |
| 1971 | 295,000 | Metal Roof | 3,450 | 5 | > $10,000 Deductible | 220 | 4 | Brick siding | No |
| 1992 | 300,000 | Shingles Roof | 2,670 | 5 | $2500-$5000 Deductible | 710 | 9 | Stucco siding | yes |
| 1974 | 240,000 | Membrane Roof | 2,030 | 4 | > $10,000 Deductible | 200 | 5 | Brick siding | No |
| 2005 | 420,000 | Wood Shake Roof | 3,350 | 4 | > $10,000 Deductible | 650 | 9 | Brick siding | yes |
| 2012 | 180,000 | Metal Roof | 1,900 | 4 | $5000 to $10,000 Deductible | 290 | 6 | Stone Siding | yes |
| 1960 | 150,000 | Membrane Roof | 1,500 | 3 | $5000 to $10,000 Deductible | 190 | 7 | Stone Siding | yes |
Latest Home Insurance Reviews
Auto Owners InsuranceAuto-owners has seen us through many things over the years and I would recommend them as they offer secure home insurance with great service.
State FarmI have not reviewed other policy options in several years, because I am very satisfied with mine. I have all my insurance with one company and they provide everything I need.
State AutoWe haven't had any issues but we are also very new to the company so don't have much history to make a great determination. They did a lot of research regarding price when we first signed on with them.
Auto Owners InsuranceAuto-owners offers reasonable premiums with various levels of deductibles as well as a variety of coverages to fit many budgets.
Auto Owners InsuranceThey offer many different discounts, depending on how old your furnace or water heater is, they give discounts on that. They also give multi-policy discounts as well. They bundle our cars along with the house for a cheaper rate!
GeicoGeico's premiums and deductibles are comparable if not better than other companies. They also provide discounts for various home implementations, such as security devices. The costs are reasonable.
GeicoI would recommend this company to anyone . Of course , it helps too that I have no claims , but even with that , others were quoting a higher rate . Their customer service is always very knowledgeable .
Erie InsuranceI would like to bundle but their auto insurance is extremely high so I canÃḃ€™t lower my costs that way. Also because we had a claim on the house a few years ago, I can't switch to another homeowners company. I always want to get the best deal so knowing that I am stuck is quite frustrating.
Erie InsuranceThey've been around awhile obviously, I and my husband were satisfied with the company.
Erie InsuranceI don't like the periodic policy amendments that I receive limiting certain coverages, which force me to reevaluate my policy.
State FarmThe communication gap is not very wide. They are relatively quick to return calls and love to send actual documents.
State FarmI am totally satisfied with the customer service. They are always helpful and every time I call they help me and I don't feel like I am a burden.
Erie InsuranceI would be willing to recommend Erie to any person in the market for home insurance. Id suggest they get rate quotes and compare. They may find Erie offers the best.