Coverpoint Insurance Solutions
3610 Pentagon Boulevard, Beavercreek, OH 45431
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3610 Pentagon Boulevard, Beavercreek, OH 45431
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4060 Executive Drive, Beavercreek, OH 45430
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3899 Timberline Dr, Beavercreek, OH 45431
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70 Birch Alley, #250, Beavercreek, OH 45440
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Learn about insurance coverage options specific to Beavercreek residents.
Get the facts on auto, home insurance in Beavercreek, Ohio. Learn about Greene County tornado risks, WPAFB options, and ways to save on coverage.
Home InsuranceBeavercreek home insurance costs $1,576-$2,160/year. Tornado coverage, military family considerations, and rates for Greene County homeowners explained.
Car InsuranceBeavercreek auto insurance explained: Ohio's 25/50/25 minimums, at-fault rules, I-675 commute risks, Wright-Patterson AFB factors, and coverage you need.
Ohio requires 25/50/25 liability coverage: $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 enough to cover serious accidents. Most insurance experts recommend at least 100/300/100 limits, plus uninsured motorist coverage to protect you if you're hit by someone without adequate insurance.
Greene County is classified as high-risk for tornado damage, largely due to the devastating 1974 Xenia tornado that caused over $250 million in damages. Insurance companies factor this historical risk into their pricing models, which can result in higher premiums or stricter underwriting guidelines. Ohio also experienced a record 74 tornadoes in 2024, further driving up rates across the state.
Ohio home insurance averages between $900 and $2,115 annually depending on your coverage level, home value, and risk factors. Premiums have increased 23% between 2021 and 2024 due to severe weather events and construction cost inflation. Your specific rate will depend on your home's age, roof condition, distance from fire protection, and the coverage limits you choose.
Yes, if you're a military member, veteran, or Department of Defense civilian employee, you may qualify for USAA or other military-affiliated insurers that often offer competitive rates and excellent service. Even if you're not military-affiliated, mentioning your connection to WPAFB to local independent agents may help them identify carriers that offer favorable rates to the defense community.
Absolutely. Bundling your home and auto insurance with the same carrier typically saves 5-25% on both policies. Given that Ohio insurance rates have been rising due to severe weather and inflation, that bundling discount can save you several hundred dollars per year. Plus, you'll have the convenience of one point of contact for both policies when you need to file a claim or make changes.
Standard home insurance policies don't cover flood damage. If your home is near Little Beaver Creek or in a designated flood zone, you should strongly consider flood insurance through the National Flood Insurance Program or a private carrier. Even if you're not in a high-risk flood zone, heavy rains can cause unexpected flooding, and this coverage is relatively affordable compared to the potential damage costs.
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