Lansing Insurance Agency Inc.
2151 Western Avenue, Chillicothe, OH 45601
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Chillicothe households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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2151 Western Avenue, Chillicothe, OH 45601
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69 W 2nd St, Ste 104, Chillicothe, OH 45601
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2069 N Bridge St, Chillicothe, OH 45601
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90 W Main St, Chillicothe, OH 45601
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Learn about insurance coverage options specific to Chillicothe residents.
Chillicothe drivers pay just $91/month for full coverage. Learn about Ohio's insurance requirements, local agents, and weather risks in Ross County.
Home InsuranceGet affordable home insurance in Chillicothe, OH. Learn about flood risk from the Scioto River, historic home coverage, and how to save on premiums in 2026.
Car InsuranceChillicothe drivers need more than Ohio's 25/50/25 minimums. Learn about at-fault coverage, US-35/US-23 risks, and how to protect yourself on Ross County roads.
Ohio requires all drivers, including those in Chillicothe, to carry liability coverage of at least 25/50/25. This means $25,000 per person for bodily injury, $50,000 per accident for all injuries, and $25,000 for property damage. However, most insurance agents recommend higher limits since medical costs and vehicle repairs can easily exceed these minimums in serious accidents.
Chillicothe drivers enjoy some of the lowest auto insurance rates in Ohio, paying around $23 monthly for liability-only coverage and approximately $91 per month for full coverage. This is notably lower than Ohio's state average of $145 monthly for full coverage, making Chillicothe one of the more affordable cities in the state for car insurance.
If your home is near the Scioto River, Paint Creek, or other waterways in Ross County, flood insurance is essential. Standard homeowners policies don't cover flood damage, and the area does experience flooding risks. Flood insurance is available through the National Flood Insurance Program and typically costs $400-700 annually depending on your flood zone and coverage amount.
Ross County does experience tornado activity, including an EF0 tornado that touched down northwest of Chillicothe in June 2020. The good news is that standard homeowners insurance policies cover wind damage from tornadoes. Make sure your policy includes sufficient dwelling coverage to rebuild your home and consider replacement cost coverage rather than actual cash value.
Local agents in Chillicothe offer significant advantages over online quotes. They understand Ross County's specific risks like flood zones and weather patterns, can bundle policies for 15-25% discounts, and provide personalized service when you need to file claims. Agencies like DSB Insurance have served the community since 1948 and offer access to multiple carriers for competitive pricing.
Ohio homeowners pay between $1,231 and $2,075 annually for coverage, which is 30-40% below the national average. Your specific rate in Chillicothe depends on your home's age, location, construction type, and coverage limits. Homes near waterways, older historic properties, and those with recent claims will typically pay more than newer homes in lower-risk areas.
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