The Paul F Tilly Agency, LLC
1891 Rochester St, Lima, NY 14485
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Lima households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1891 Rochester St, Lima, NY 14485
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lima residents.
Lima home insurance costs $1,200-$1,600/year. Learn about tornado coverage, flood insurance for Ottawa River areas, and how to save on your Ohio policy.
Ohio requires all drivers to carry 25/50/25 liability coverage: $25,000 for bodily injury per person, $50,000 per accident total, and $25,000 for property damage. This is the legal minimum, but many drivers choose higher limits since medical costs and vehicle repairs often exceed these amounts. You're not required to carry comprehensive or collision coverage unless your lender requires it.
Lima drivers pay an average of $30 per month for minimum liability coverage and around $100 per month for full coverage. Your actual rate depends on your driving record, vehicle type, age, and coverage choices. Drivers with clean records generally pay less, while DUI convictions or multiple violations can push rates significantly higher.
Standard homeowners insurance doesn't cover flood damage, and you'll need separate flood insurance if you want that protection. While most of Lima isn't in high-risk flood zones, Ohio's increasing rainfall and storm frequency mean flooding can happen anywhere. Talk with a local agent about your specific property's risk—rates are generally affordable in lower-risk areas.
Allen County homeowners pay an average of $995 per year (about $83 monthly) for homeowners insurance. This is below the national average, though your actual premium depends on your home's value, age, construction type, and the coverage limits you choose. Homes with newer roofs, updated electrical systems, and security features typically qualify for lower rates.
Yes, especially given Lima's higher property crime rate. Renters insurance typically costs $15-30 per month and covers your belongings if they're stolen or damaged, plus liability protection if someone gets injured in your rental unit. It also covers your possessions outside your home—like items stolen from your car—which auto insurance doesn't cover.
The first offense results in a license suspension of up to 90 days and a $100 reinstatement fee. A second offense brings a one-year suspension, $300 fee, and requires filing an SR-22 form. A third offense means a two-year suspension and $600 in fees. Beyond these penalties, you're personally liable for any damages you cause in an accident.
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