Fiedler Insurance Agency
117 E Maple St, Mason, MI 48854
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117 E Maple St, Mason, MI 48854
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Mason residents.
Complete insurance guide for Mason, OH residents. Learn about auto, home, and life insurance rates, coverage requirements, and money-saving tips.
Mason homeowners typically pay between $650 and $900 per year for home insurance, which is below Ohio's state average of $1,400-$2,200. Your actual cost depends on your home's value, age, coverage limits, and deductible choices. Mason's newer construction and strong community infrastructure help keep rates lower than many Ohio communities.
Yes, standard homeowners insurance covers tornado damage to your home, belongings, and other structures on your property. However, check whether your policy has a separate wind deductible (often 1-5% of dwelling coverage) which could be higher than your standard deductible. Flood damage from tornado-related storms is not covered and requires separate flood insurance.
While Mason isn't in a high-risk flood zone, flood insurance is worth considering if you're near Little Miami River tributaries or in a newer development where drainage systems are still settling. Standard homeowners insurance never covers flooding, even during severe weather events. Flood insurance through the National Flood Insurance Program typically costs $400-700 annually in moderate-risk areas.
The biggest discount is bundling home and auto insurance (15-25% savings). Other common discounts include security systems (5-15%), smart home devices like water leak detectors (5-10%), new home discounts (up to 20% for homes under 10 years old), and claims-free discounts (10-15%). Higher deductibles can also reduce premiums by 10-20%.
Your dwelling coverage should equal your home's full replacement cost, not its market value. With Mason's median home value around $511,000 and construction costs averaging $150 per square foot, many Mason homes need $400,000-600,000+ in dwelling coverage. Choose replacement cost coverage rather than actual cash value to ensure you can fully rebuild at today's prices after a major loss.
An umbrella policy is worth considering if you have significant assets or home equity. Mason's family-oriented neighborhoods with pools, trampolines, and frequent gatherings create liability exposure. An umbrella policy adds $1-2 million in liability coverage for around $200-400 per year, protecting you if someone is seriously injured on your property and sues for damages beyond your homeowners policy limits.
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