Fouts, Davidson, Burks Agency, LLC
124 W 2nd St, Delphos, KS 67436
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Delphos households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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124 W 2nd St, Delphos, KS 67436
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Delphos residents.
Delphos insurance guide covering auto requirements, tornado risks, flood protection, and rates. Learn about coverage needs in this two-county Ohio city.
Delphos homeowners typically pay between $1,576 and $2,075 annually for home insurance, which is significantly below the national average of $2,532-$3,467. Your actual rate depends on factors like your home's age, condition, credit score, and chosen coverage limits. Homes built before 1980 generally cost more to insure than newer construction.
Standard home insurance doesn't cover flood damage, which is important given Delphos's canal heritage and the historic 1913 flood. If your home is near the Miami and Erie Canal corridor or in a FEMA-designated flood zone, you should seriously consider flood insurance through the National Flood Insurance Program. Even outside designated zones, flood coverage can provide valuable protection against severe weather events.
Yes, standard home insurance policies cover tornado damage, including wind and hail damage to your dwelling, personal property, and other structures. This is essential coverage in Delphos since Van Wert County is known as the 'Tornado Capital of Ohio' with 41 recorded tornadoes since 1950. Make sure your policy includes adequate wind coverage limits and consider guaranteed replacement cost coverage.
Ohio doesn't legally require homeowners to carry insurance, but if you have a mortgage, your lender will require it as a condition of your loan. Even if you own your home outright, insurance is essential protection for your investment, especially given northwest Ohio's tornado risk and potential for severe weather damage.
Shop multiple insurance companies since rates vary dramatically—from $1,263 to over $5,400 annually for comparable coverage. Bundle your home and auto policies, increase your deductible, improve your credit score, and install security systems or make home improvements like roof replacement. Maintaining your older home's electrical, plumbing, and structural systems can also help reduce premiums.
Delphos has a median home construction year of 1957, and older homes typically cost more to insure because they may have outdated electrical, plumbing, or roofing systems that increase claim risk. A home built in 1980 might cost $2,270 annually to insure compared to $1,365 for a 2020-built home. Upgrading major systems can help lower your premium.
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