West Chester Insurance Rates:

West Chester, OH homeowners insurance is nearly $635 to $863, about $52-$71/month. Our comprehensive research indicates shoppers can save upto $299 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Auto Owners
I like that it is simple to navigate, and easily readable. I can access my proof of insurance on the go at any time and don't have to worry about carrying the hard copy around with me. I also like how easy the signup process was, and how easy it is to check a claim. I do not like however not being able to contact a customer service rep via live chat, or being able to file a claim online. I do not like paying my bill online because it seems as if there are many glitches during the attempts and sometimes my entire computer freezes, this only happens when attempting to pay the bill.
Erie Insurance
They are a very small company so I never have a problem getting in touch with someone when needed. They are very personable.
Geico
The customer service dept. has always been pleasant. We get mail and text alert correspondence which is very convenient. Customer service has always answered my questions to my sanctification.
State Farm
I've called at least three or four different agents in my area over the past few years to get quotes on insurance. When they managed to get back to me, the quotes were always at least $200 a month higher than the other. it's wired finding the right agent is the task
State Farm
They have always handled issues extremely quick and hassle-free. we had a small fire because of our furnace 10 months back and they were very efficient in helping us out and resolving our issue.
Allstate
Even though there are quite a few options for me to choose from, sometimes the ways those options are bundled are inconvenient and expensive for me.
Metlife
We have this insurance since 20 years and it pays off that we still have this low deductible and we can rely on them.

West Chester, OH Homeowners Insurance By Home Value

West Chester, OH Home Value Total Homes % of Total Average West Chester, OH Homeowners Insurance
Less than $50,000 788 4.0% $89
$60,000 to $69,999 181 1.0% $239
$70,000 to $79,999 301 1.0% $269
$80,000 to $89,999 388 2.0% $307
$90,000 to $99,999 368 2.0% $344
$100,000 to $124,999 939 5.0% $404
$125,000 to $149,999 1,006 6.0% $501
$150,000 to $174,999 2,159 13.0% $599
$175,000 to $199,999 2,285 13.0% $689
$200,000 to $249,999 3,851 23.0% $831
$250,000 to $299,999 2,047 12.0% $1011
$300,000 to $399,999 1,963 11.0% $1288

Top Home Insurance Agents Near West Chester, OH

Home Insurance Company Near West Chester, OH Homeowners Insurance Agency Near West Chester, OH Address
NA Pwc Insurance Agency, Llc 1655 Burlington Pike , Florence, KY, 41042
State Farm David Bahr 901 Congress Park Dr, Dayton, OH, 45459-4009
State Farm Dennis Sasser 6600 Dixie Hwy Ste I, Fairfield, OH, 45014-5400
Erie Gem City Insurance Inc. 34 S Dixie Drive, Vandalia, OH, 45377
State Farm Sheila Siegrist-Garten 2382 Grandview Dr, Fort Mitchell, KY, 41017-1633

Cost Of Homeowners Insurance By Street Near West Chester, OH

Streets in West Chester Area Homeowners Insurance Cost
Coachlight Way, Acredale Dr, Rolling Meadows Dr, W Chester Park Dr, Holly Leaf Cir, Douglas St, Kindlewood Dr, Edgeridge Dr, Brook Knoll Dr, Kingsgate Way$738
Global Way, Quebec Ct, Canal Way, Minuteman Way, Marsh Willow Ct, Woodbine Ave, Lawndale Ave, Winterberry Pl, Cherrywood Ln, Verdant Dr$677
Regency, Centre Park Dr, Topeka Ln, Martins Way, Woods Edge Dr, Sprucewood Ct, Hopi Dr, Gano Rd, New Brunswick Dr, Willet Ln$755
Stirrup Ct, McCauly Rd, Chessie Dr, Old Station Dr, Windbrook Trl, Hunters Ridge Dr, Jonathan Ct, Goldfinch Way, Prairie Lake Blvd, Sundance Cir$756
Forge Bridge Dr, Cox Rd, Mulhauser Rd, White Horse Ct, Timbernoll Dr, Sunny Ln, Indian Walk Dr, Haystack Way, Keltner Dr, Providence Way$756
Berkshire, Heather Ann, Four Bridges Dr, White Hill Ln, Luster Dr, Timberview Dr, Kirkwood Dr, Twin Cove Ct, Saddle Ct, W Observatory$739
Beckett Rd, Westchester Park Ct, Christine Ave, Quail Meadow Ln, Waterford Ct, Co Hwy 2, Eagleview Dr, Indian Bluff Ln, Wise Ct, Jeannes Creek Ln$738
Tylersville Square Dr, Strathaven Dr, Cindy Lou, Overland Park Ct, Parktown Dr, Commanche Dr, Timberdale Dr, Goldpark Dr, Foxboro Dr, Whisper Way$798
Leopard Ln, Tylers Meadow Dr, Myrtle Ln, Farr Ct, Vadith Ct, Saxony Rd, Glades Dr, Miranda Pl, Autumn Woods Ln, Brookridge Dr$743
Old Crow Ct, Willowood Ct, Kingland Dr, Westwind Ave, Shadetree Dr, Cherrywood Dr, Dukes Dr, Woodcliff Ct, Casey's Xing, Ell Char Ct$721

West Chester, OH Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
West Chester$112 to $114
Olde West Chester$116
Beckett Ridge$114
Wetherington$131

West Chester, 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
Beckett Ridge CDP, Ohio $95 $127 $190
Wetherington CDP, Ohio $110 $146 $219
Four Bridges CDP, Ohio $108 $144 $216

West Chester, 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
West Chester, OH3.6%10.4%
Beckett Ridge3.57%9.18%
Wetherington2.35%9.24%
Four Bridges2.53%7.21%

West Chester Renters Insurance as a Percentage of Rent

West Chester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 62 1.0% $1214
$500 to $749 607 13.0% $1889
$750 to $999 1,635 37.0% $2639
$1,000 to $1,499 1,588 36.0% $3764
$1,500 or more 409 9.0% $5414

West Chester, OH Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly West Chester Homeowner Insurance Premium Example $1,100$700
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,700$8,500
Net Savings to West Chester Home Owner from High Deductible Plan $1,200

West Chester, OH Home Insurance Costs With Home Replacement Value Scenarios

Scenario West Chester, OH Home Replacement Value MORE than Home Value West Chester, OH Home Replacement Value LESS than Home Value
Replacement Value $320,000 $233,500
Insurance Premium based on Replacement Value $1,500 $1,100
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $55,000 Risk Exposure from Under Insuring Coverage is $31,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $250/year

Example West Chester Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateChubb Group of InsuranceGEICO Insurance
Monthly Premium 3565200
Year Built 200419911985
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $125000-$150000$200000-$250000$600000-$700000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2002 265,000 Tile Roof 2,010 4 > $10,000 Deductible 320 9 Stone Siding No
2014 245,000 Shingles Roof 1,910 5 $1000-$2500 Deductible 340 5 Stone Siding yes
1980 375,000 Wood Shake Roof 2,930 5 > $10,000 Deductible 470 5 Fiber-Cement Siding yes
1993 215,000 Tile Roof 1,640 3 $500- $1000 Deductible 230 6 Stucco siding yes
2010 305,000 Composition Roof 3,160 4 $2500-$5000 Deductible 680 12 Stone Siding yes
2000 180,000 Slate Shingles Roof 1,910 4 $500- $1000 Deductible 40 1 Stucco siding No
2003 455,000 Composition Roof 3,630 5 $1000-$2500 Deductible 330 2 Vinyl siding yes
2013 185,000 Metal Roof 1,620 3 $1000-$2500 Deductible 580 10 Vinyl siding No
1987 435,000 Shingles Roof 3,590 5 $2500-$5000 Deductible 770 9 Stone Siding No
2001 215,000 Composition Roof 2,200 3 $5000 to $10,000 Deductible 130 3 Wood siding yes
2011 585,000 Composition Roof 4,720 5 $500- $1000 Deductible 1460 10 Stone Siding yes
2002 170,000 Slate Shingles Roof 1,430 3 $500- $1000 Deductible 490 9 Stucco siding yes
2011 405,000 Shingles Roof 2,980 4 $2500-$5000 Deductible 680 5 Brick siding No
1991 355,000 Tile Roof 3,040 5 $5000 to $10,000 Deductible 950 12 Brick siding yes
2011 175,000 Shingles Roof 1,820 3 $5000 to $10,000 Deductible 350 8 Fiber-Cement Siding yes
1980 435,000 Tile Roof 4,190 5 $500 Deductible 380 3 Stucco siding yes
2004 165,000 Metal Roof 1,580 3 $500- $1000 Deductible 120 3 Brick siding No
2006 270,000 Metal Roof 2,510 5 > $10,000 Deductible 280 5 Fiber-Cement Siding No
2013 210,000 Composition Roof 1,630 4 $1000-$2500 Deductible 260 5 Stucco siding yes
2007 185,000 Slate Shingles Roof 2,020 3 $500 Deductible 210 3 Vinyl siding No
1987 120,000 Shingles Roof 1,240 3 $500 Deductible 170 3 Wood siding yes
1982 335,000 Asphalt Shingles Roof 3,050 4 > $10,000 Deductible 260 5 Brick siding yes
2009 225,000 Membrane Roof 1,700 4 $1000-$2500 Deductible 170 2 Stucco siding No