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.

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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

PlaceSavings For Senior Occupied Homes
Sylvania$110 to $113
Ottawa Hills$118

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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Sylvania, OH3.7%10.3%
Ottawa Hills2.74%6.55%

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 DeductibleHigh Deductible
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 InsuranceFarmers InsuranceLiberty Mutual
Monthly Premium 3573157
Year Built 200319631991
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 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 Insurance
Auto-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 Farm
I 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 Auto
We 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 Insurance
Auto-owners offers reasonable premiums with various levels of deductibles as well as a variety of coverages to fit many budgets.
Auto Owners Insurance
They 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!
Geico'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.
I 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 Insurance
I 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 Insurance
They've been around awhile obviously, I and my husband were satisfied with the company.
Erie Insurance
I don't like the periodic policy amendments that I receive limiting certain coverages, which force me to reevaluate my policy.
State Farm
The communication gap is not very wide. They are relatively quick to return calls and love to send actual documents.
State Farm
I 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 Insurance
I 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.

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