Question 1

What is the minimum car insurance required in London, Ohio?

Accepted Answer

Ohio requires minimum auto insurance of 25/50/25, meaning $25,000 per person for bodily injury, $50,000 per accident for all injuries, and $25,000 for property damage. However, these minimums often aren't sufficient to cover serious accidents, so most experts recommend higher limits like 100/300/100 to protect your assets and avoid out-of-pocket expenses.

Question 2

How much does homeowners insurance cost in London, Ohio?

Accepted Answer

Ohio homeowners pay an average of $1,200 to $1,576 annually for homeowners insurance, depending on coverage levels and home value. While this is about 40% below the national average, rates have increased significantly—up 36.4% from 2019 to 2024—primarily due to severe weather and increased claim costs. Your specific rate will depend on your home's age, condition, location, and coverage needs.

Question 3

Does homeowners insurance cover tornado damage in London?

Accepted Answer

Yes, standard homeowners insurance policies in Ohio cover tornado damage along with damage from wind, hail, lightning, ice, and snow. With Ohio experiencing record tornado activity (74 tornadoes in 2024), this coverage is crucial for London residents. However, flood damage and earthquake damage are typically excluded and require separate policies.

Question 4

Is renters insurance required in London, Ohio?

Accepted Answer

Renters insurance isn't legally required in Ohio, but many landlords require it as a lease condition. Even if not required, it's highly recommended. For about $21 per month, you get coverage for personal belongings, liability protection if someone is injured in your apartment, and additional living expenses if your unit becomes uninhabitable due to fire or other covered events.

Question 5

How can I save money on insurance in London?

Accepted Answer

The most effective way to save is bundling your auto and home or renters insurance with the same carrier, which typically saves 15-25%. Other strategies include increasing your deductible, installing security systems or smoke detectors, maintaining a good driving record, taking defensive driving courses, and asking about low-mileage discounts if you don't drive much. Shopping around with multiple local agents also helps ensure you're getting competitive rates.

Insurance Agents in London, Kentucky (KY)

Insurance agencies serving London

Star Robbins & Co

Insurance Guides for London

Insurance in London, Ohio: Your Complete Guide