Kettering Homeowners Insurance

Your Complete Guide to Kettering, OH Homeowners Insurance

Where can I find the right policy for me?

Kettering Ohio homeowners insurance

Kettering, OH is located in southwestern Ohio just south of Dayton. In Kettering, the summers are hot and damp, the winters are very frosty and blustery, and it is partly cloudy most of the year.

Whether you are a permanent resident of Kettering, or you recently moved here to take care of your parents, if you recently bought a new home, you need a reliable homeowners insurance policy.

Independent insurance agents can assist you in finding the best and most fairly priced insurance coverage for your Kettering, OH home. Find an independent insurance agent near you to learn more, and you can soon start reviewing customized homeowners insurance quotes from a variety of highly regarded insurance representatives.

How Much Does Homeowners Insurance Cost in Kettering, OH?

The average price of homeowners insurance in Ohio is a tad lower than the national average, which is why it is imperative to shop around and compare rates.

  • National average yearly premium: $1,211
  • Ohio average yearly premium: $864
  • Home insurance paid out equals $1,105,456,000

Obviously, averages can only give you an approximate idea of the expected costs of homeowners insurance you will need to pay. Homeowners insurance rates can differ from one homeowner to another. This happens because rates are computed according to several of the following factors:  

  • The crime rate and weather risks in your area
  • The age, cost, and size of your home
  • Your credit score and claims history
  • The type of home you are insuring
  • The number of stories in your home
  • If you are bundling your coverage with another policy such as car insurance or life insurance

Reviewing home insurance prices allows you to choose the homeowners policy that offers the best coverage at the most reasonable price. Independent insurance agents in Kettering, OH make comparison shopping a breeze.

Does Kettering, OH Homeowners Insurance Cover against Catastrophic Events?

Your homeowners insurance policy is designed to protect you against many of the dangers you may face as a homeowner in Kettering, OH. This includes a wide array of catastrophic events such as severe storms and lightning.

You should be able to repair or rebuild your home, if needed, by setting your insurance coverage requirements high enough in the event of a catastrophe.

Catastrophic Events in Ohio:

  • Number of federally declared disasters in OH: 59 since 1953
  • Most common reasons for disasters in OH: severe storms and lightning
  • Average number of tornadoes per year in OH: 19

Residents of Kettering, OH are most at risk for damage caused by the following threats:

  • Burglary and other property crimes
  • Severe storms and lightning
  • Floods
  • Tornadoes
  • Severe ice storms and freezing

Luckily, most of these threats are covered by homeowners insurance policies. However, it is necessary to know that flood damage is not covered by homeowners insurance. Even if the flood is a direct result of a covered storm, this is true.

Residents living near waterways such as the Great Miami River are highly at risk for flood damage, although flash flooding can occur almost anywhere. An independent insurance agent can help you to enhance your coverage with a flood insurance policy.

Talk to your independent insurance agent for assistance in making sure all your homes are properly covered.


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Why Does My Kettering, OH Home Need Personal Liability Insurance?

Civil suits happen all the time, and they can become very expensive. Consequently, your homeowners insurance also shields you with personal liability coverage.

Homeowners insurance is designed to cover the numerous expenses you may accumulate if found liable for damage related to a covered event. A few examples in which personal liability coverage may look after you include the following:

  • Your dog chewed through the water hose while it was running and flooded the entire porch.
  • Your teenager drove your car through the next-door neighbor’s fence.
  • Your neighbor dropped their iPad into your hot tub.
  • Your pigeons got out and pooped all over your neighbor’s white sheets that were hanging out to dry.

If you need to augment your homeowners insurance with higher liability limits than your current homeowners insurance policy permits, your representative can also aid you in obtaining a fairly priced umbrella insurance policy. Umbrella insurance is a cost-effective way to enhance all your liability coverage.

An independent insurance agent in Kettering, OH can explain your homeowners liability coverage in better detail.

Does Homeowners Insurance Cover against Burglaries in Kettering, OH?

The 2018 crime rate in Kettering, OH was 116 per 100,000 homes, which is 2.4 times lower than the US average. In the last five years, Kettering has seen an increase in violent crime and a decrease in property crime.

The burglary rate in OH, and in Kettering in particular, is a tad lower than the national average, which may also put you paying a lower rate for homeowners insurance.

  • Number of burglaries per 100,000 homes in the US: 376
  • Number of burglaries per 100,000 homes in OH: 148.4
  • Number of burglaries per 100,000 homes in Kettering: 305.2

Being the target for a break-in is disturbing enough. If your Kettering, OH home is broken into, you may find some comfort in knowing your homeowners insurance provides compensation for your damage, as well as for any other property damage the robbers may have done to your house. Home burglar alarm systems are among the most valuable theft prevention devices around, and many insurance companies offer discounts to consumers who have these systems installed in their homes.

An independent insurance agent can aid you in finding all the potential discounts for which you may qualify.

Does Homeowners Insurance Cover a Second Home or Vacation Home in Kettering, OH?

Whether you own a second home in Dayton, OH or you have a vacation home nearby in Yellow Springs, OH that you rent out, if you are among the Kettering, OH inhabitants who own more than one home, you will want to cover all your homes with a proper homeowners insurance policy.

If you do not live in your second home or vacation property on a permanent basis, you often have additional risks that insurance companies may consider, which means that you may need to buy specific insurance products. 

  • Second homes occupied by renters have a higher liability and property damage risk. These houses require coverage options offered by landlord insurance.
  • Vacation homes left vacant for long periods have an increased risk of burglary and property damage. Vacant home insurance may be required while the house is unoccupied.

An independent insurance agent can help you review the coverage you need for all your residential homes and help you find the most inexpensive policies to insure them.

Why Work with an Independent Insurance Agent in Kettering, OH?

One of the easiest ways to find a good homeowners policy is to work with an independent insurance agent. These professionals work for you, not for a specific insurance company. This lets you make sure you are getting dependable advice as you shop for the homeowners insurance coverage options you need for your Kettering, OH home.

Independent insurance agents in Kettering, OH are ready to help. Contact an independent insurance agent near you to begin appraising individualized homeowners insurance quotes.

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