Howard Insurance
3925 E Bellefontaine Road, Hamilton, IN 46742
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3925 E Bellefontaine Road, Hamilton, IN 46742
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Hamilton residents.
Hamilton, Ohio home insurance averages $804-$1,371/year. Learn about flood risk from the Great Miami River, historic home coverage, and ways to save.
Ohio requires 25/50/25 liability coverage: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage per accident. However, these minimums are quite low, and most experts recommend higher limits like 100/300/100 to adequately protect yourself from major accident costs.
Ohio homeowners pay between $1,590 and $2,160 per year on average for home insurance. Your specific rate in Hamilton depends on factors like your credit score, home age, coverage limits, and property characteristics. Newer homes and excellent credit can reduce your premium significantly, while older homes and poor credit can increase costs.
Yes, flood insurance is critical for Hamilton residents near the Great Miami River. Standard homeowners policies don't cover flood damage at all. If you're in a high-risk flood zone with a government-backed mortgage, flood insurance is required. Even if not required, it's a smart investment given Hamilton's flood history and occasional severe rainfall events.
About 12% of Ohio drivers—roughly one in eight—don't carry insurance. If an uninsured driver hits you, their lack of coverage becomes your financial problem unless you have uninsured motorist protection. This coverage pays for your medical bills and vehicle damage when the at-fault driver can't, making it one of the most valuable additions to your auto policy.
Bundle your auto and home policies with the same insurer for multi-policy discounts. Improve your credit score, as excellent credit can reduce premiums by thousands annually. Ask about discounts for home security systems, being claims-free, and safe driving. Finally, shop around—rates vary significantly between insurers, and getting multiple quotes ensures you find the best deal.
Yes, Ohio uses the FILS (Financial Responsibility Random Verification) system to actively monitor insurance compliance. You must carry proof of insurance whenever you drive. Being caught without proof results in fines, and driving uninsured can lead to license suspension and other serious penalties.
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