Xenia Insurance Rates:

Xenia, OH homeowners insurance is nearly $584 to $793, about $48-$66/month. Our all inclusive research shows customers can save as much as $275 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I do like that they offer drinks and snacks whenever i go into their office.
Erie Insurance
One negative aspect from my home insurance company is the difficulty in understanding certain aspects of my statement and coverage.
Travelers
Their pricing is upfront and easy to determine if i want to adjust what i want my coverage to be for, online or speaking with a person.
Amica Mutual Insurance
If I dislike the company I would not use them pretty simple.
Cincinnati Insurance
The pricing is very high compared to other companies. Not impressed with their service as well.
American Family
Pretty good experience altogether. They got back to me right away. It was stress-free and hassle-free. Didn't worry about it taking forever
Geico
Not the best that is available to people but it is fair for what you pay. Additionally, it gets the job done when you need to file a claim.
State Farm
Overall, I don't like insurance companies, and State Farm is no better than the rest of them, in my opinion. I don't like that the company accepted my earthquake premium for the lower deductible, yet issues the policy for a higher deductible. The company should have caught that mistake and called the agent or me directly.
Allstate
I have not compared policy prices in several years, so I'm not sure how it compares in the big picture, but it has been about the same for the 12 yrs. we have owned our house and has only gone up slightly when we added extra coverage.

Xenia, OH Homeowners Insurance By Home Value

Xenia, OH Home Value Total Homes % of Total Average Xenia, OH Homeowners Insurance
Less than $50,000 337 5.0% $172
$50,000 to $59,999 184 2.0% $358
$60,000 to $69,999 217 3.0% $447
$70,000 to $79,999 793 12.0% $516
$80,000 to $89,999 869 13.0% $585
$90,000 to $99,999 955 14.0% $654
$100,000 to $124,999 1,229 18.0% $757
$125,000 to $149,999 700 10.0% $943
$150,000 to $174,999 515 7.0% $1116
$175,000 to $199,999 373 5.0% $1295
$200,000 to $249,999 245 3.0% $1557
$250,000 to $299,999 89 1.0% $1901
$300,000 to $399,999 71 1.0% $2418

Top Home Insurance Agents Near Xenia, OH

Home Insurance Company Near Xenia, OH Homeowners Insurance Agency Near Xenia, OH Address
Nationwide Cornett-Dunkle Agency Llc 50 W Main St, New Lebanon, OH, 45345-1418
State Farm Gary Howard 309 W Kemper Rd, Springdale, OH, 45246-3003
Nationwide Graves Cosby Sellman Insurance Agency Inc 123 S Main St STE C, New Carlisle, OH, 45344
Liberty Mutual Independent Htt Agency Inc 3790 HAUCK RD, CINCINNATI, OH, 45241
State Farm Ron Burns 219 Scioto St, Urbana, OH, 43078-2127

Cost Of Homeowners Insurance By Street Near Xenia, OH

Streets in Xenia Area Homeowners Insurance Cost
Hillcrest Ave, Race St, W Market St, Windsor Dr, Chippewa Ct, Sheelin Rd, N Regency Dr, E 3rd St, Chestnut St, Schwinn Ave$713
Heritage Ln, W Market St, Little Vine St, Shirley Dr, Kays Way, Leslie Dr, Jodee Dr, Roosevelt St, Westbury Ct, Sterling Commons Blvd$691
Paceline Ct, Sioux Dr, O Toole Dr, Peterson Rd, Sheridan St, Hawkins School House Rd, N Miami Ave, Charleton Mill Rd, Greene St, Bellbrook Ave$687
Snively Rd, Ridge Rd, Coleman Dr, Mount Vernon Dr, Berwald Dr, Circle Dr, E Harbine Ave, Wimbledon St, Aztec Dr, E Kearney Ln$690
Minnesota Dr, Cooper Ln, S Dayton Xenia Rd, Cincinnati Ave, N Galloway St, Michigan Dr, Ormsby Dr, Kingman Ct, Ketki Ct, South St$691

Xenia, OH Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Xenia$103 to $105
Greene County$108
Wilberforce$110
Spring Valley$111

Xenia, 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
Greene County, Ohio $91 $121 $181
Wilberforce CDP, Ohio $92 $123 $184
Spring Valley township, Greene County, Ohio $93 $123 $185

Xenia, 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
Xenia, OH5.4%16.1%
Greene County4.19%12.02%
Spring Valley3.63%10.58%
Beavercreek3.59%10.52%

Xenia Renters Insurance as a Percentage of Rent

Xenia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 80 2.0% $357
$200 to $299 295 8.0% $807
$300 to $499 512 14.0% $1257
$500 to $749 1,331 37.0% $1932
$750 to $999 801 22.0% $2682
$1,000 to $1,499 455 12.0% $3807
$1,500 or more 60 1.0% $5457

Xenia, OH Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Xenia 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 Xenia Home Owner from High Deductible Plan $600

Xenia, OH Home Insurance Costs With Home Replacement Value Scenarios

Scenario Xenia, OH Home Replacement Value MORE than Home Value Xenia, OH Home Replacement Value LESS than Home Value
Replacement Value $88,500 $71,500
Insurance Premium based on Replacement Value $325 $275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $9,000 Risk Exposure from Under Insuring Coverage is $8,000
Premium Impact Insurance cheaper by $25/year Insurance costlier by $25/year

Example Xenia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmTravelersAmica Mutual Insurance Company
Monthly Premium 464733
Year Built 196319431983
Home Details 3 Beds, 2 Baths5 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $125000-$150000$200000-$250000$100000-$125000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1982 80,000 Asphalt Shingles Roof 1,310 3 $500 Deductible 260 10 Stone Siding yes
1971 220,000 Composition Roof 3,120 5 $5000 to $10,000 Deductible 40 1 Stucco siding No
2010 175,000 Tile Roof 2,840 5 $5000 to $10,000 Deductible 270 5 Vinyl siding yes
1966 105,000 Membrane Roof 1,710 2 $500 Deductible 50 2 Stone Siding yes
1979 240,000 Shingles Roof 3,040 5 $5000 to $10,000 Deductible 440 10 Fiber-Cement Siding yes
2013 70,000 Membrane Roof 1,110 2 $500- $1000 Deductible 90 3 Vinyl siding yes
1972 140,000 Composition Roof 2,400 5 $2500-$5000 Deductible 230 6 Wood siding No
1983 115,000 Tile Roof 2,010 5 $500- $1000 Deductible 40 1 Vinyl siding yes
1985 105,000 Shingles Roof 1,400 2 $500 Deductible 270 6 Brick siding No
1948 115,000 Metal Roof 1,620 3 $1000-$2500 Deductible 30 1 Stone Siding yes
1941 160,000 Metal Roof 2,170 5 $500- $1000 Deductible 310 6 Fiber-Cement Siding yes
2012 85,000 Composition Roof 1,330 2 $500 Deductible 60 3 Wood siding yes
1944 110,000 Tile Roof 1,580 3 $500- $1000 Deductible 60 2 Wood siding yes
1960 165,000 Composition Roof 2,220 3 $2500-$5000 Deductible 110 4 Wood siding yes
1969 80,000 Membrane Roof 1,130 2 $2500-$5000 Deductible 100 7 Brick siding yes
1966 140,000 Slate Shingles Roof 2,390 5 $500 Deductible 270 8 Wood siding No
2014 85,000 Wood Shake Roof 1,340 3 $1000-$2500 Deductible 100 4 Stucco siding No
1967 100,000 Slate Shingles Roof 1,420 3 $2500-$5000 Deductible 220 9 Stone Siding No
1985 80,000 Slate Shingles Roof 1,260 2 $2500-$5000 Deductible 200 9 Brick siding yes
1973 215,000 Metal Roof 2,970 4 $500- $1000 Deductible 100 2 Vinyl siding No
1970 100,000 Composition Roof 1,650 2 $2500-$5000 Deductible 70 3 Vinyl siding yes
1940 175,000 Tile Roof 2,750 5 $5000 to $10,000 Deductible 230 5 Stone Siding yes
1962 140,000 Shingles Roof 2,460 4 $2500-$5000 Deductible 130 5 Wood siding yes
1973 100,000 Asphalt Shingles Roof 1,540 2 $2500-$5000 Deductible 130 6 Stone Siding yes
1972 120,000 Slate Shingles Roof 1,620 2 $2500-$5000 Deductible 100 3 Stucco siding No
1966 170,000 Slate Shingles Roof 2,070 3 $2500-$5000 Deductible 200 4 Wood siding yes
1943 145,000 Slate Shingles Roof 2,090 3 $500- $1000 Deductible 80 2 Stone Siding yes
1988 145,000 Tile Roof 2,210 3 $500 Deductible 160 4 Wood siding No
1974 140,000 Wood Shake Roof 2,320 3 $2500-$5000 Deductible 280 9 Brick siding yes
2013 235,000 Membrane Roof 3,330 4 $5000 to $10,000 Deductible 420 7 Brick siding No
1942 75,000 Asphalt Shingles Roof 1,150 2 $1000-$2500 Deductible 70 4 Stone Siding yes
1987 125,000 Wood Shake Roof 1,510 2 $1000-$2500 Deductible 480 12 Stone Siding yes
1972 145,000 Composition Roof 1,710 4 $500 Deductible 340 8 Fiber-Cement Siding No
1968 60,000 Composition Roof 1,000 2 $500- $1000 Deductible 110 5 Brick siding No