Agostinelli, Teller & Ryan Insurance Agency, Inc.
44 Front Street, Ashland, MA 01721
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44 Front Street, Ashland, MA 01721
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Learn about insurance coverage options specific to Ashland residents.
Complete insurance guide for Ashland, OH residents. Learn about auto, home, and renters coverage requirements, severe weather risks, and how to save money.
Most standard homeowners policies don't cover flood damage, and Ashland County has experienced multiple flood warnings during severe spring storms. If your home is near a floodplain or you've seen water pooling during heavy rains, a separate flood insurance policy through the National Flood Insurance Program is worth considering. Even outside high-risk zones, flood coverage can be affordable and may save you from expensive basement or foundation repairs.
While specific rates for Ashland aren't publicly available, Ohio's relatively low home values and construction costs generally translate to lower premiums compared to national averages. Ashland's median home value of around $161,500 means rebuilding costs are lower, which directly affects your premium. However, your actual rate depends on your home's age, condition, coverage limits, and deductibles, so getting quotes from multiple insurers is essential.
Historic homes in Ashland often require specialized coverage like an HO-8 policy or guaranteed replacement cost coverage to properly protect unique architectural features and period materials. You should also consider ordinance or law coverage, which pays to bring your home up to modern building codes if repairs are needed after a covered loss. Standard HO-3 policies may not adequately cover the cost of restoring original hardwood, plaster walls, or custom millwork.
Ashland sits in a region of Northeast Ohio that experiences severe thunderstorms capable of producing tornadoes, especially during spring and early summer. In 2025, Ashland County saw multiple tornado watches and severe weather warnings in April and May, with threats including damaging winds, large hail, and isolated tornadoes. While not as frequent as in traditional Tornado Alley states, tornado risk is real enough that your home insurance should include comprehensive wind and hail coverage.
Yes, if you're renting out a property to students or any tenants, a standard homeowners policy won't provide adequate protection. You need a landlord or dwelling fire policy, which covers the structure and provides liability protection if a tenant or guest is injured on your property. Your tenants should carry their own renters insurance to cover their personal belongings and liability.
Replacement cost coverage pays to rebuild or repair your home using current materials at current prices, without factoring in depreciation. Actual cash value coverage deducts depreciation, so a 10-year-old roof would be reimbursed at its depreciated value, not what it costs to install a new roof today. For most homeowners, replacement cost coverage is worth the slightly higher premium because it ensures you can fully rebuild after a major loss.
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