Advantage Insurance Agency
2345 State Rd, Cuyahoga Falls, OH 44223
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Cuyahoga Falls households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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2345 State Rd, Cuyahoga Falls, OH 44223
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2250 Broad Blvd, Cuyahoga Falls, OH 44223
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1166 Tallmadge Rd, Cuyahoga Falls, OH 44221
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3140 Bailey Rd, Cuyahoga Falls, OH 44221
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3140 W Bailey Rd, Cuyahoga Falls, OH 44221
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32 Johnson Ave, Cuyahoga Falls, OH 44221
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Learn about insurance coverage options specific to Cuyahoga Falls residents.
Get auto, home & flood insurance guidance for Cuyahoga Falls. Learn Ohio's requirements, average costs, weather risks & find local agents near you.
Home InsuranceCuyahoga Falls home insurance averages $971/year. Learn about flood coverage, river risks, and protection for established homes near Cuyahoga Valley.
Car InsuranceComplete guide to Cuyahoga Falls auto insurance requirements, costs, and coverage options. Learn about Ohio's 25/50/25 minimums and why you need more.
Ohio requires minimum liability coverage of 25/50/25, which means $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. While this meets legal requirements, many drivers choose higher limits to protect themselves from paying out-of-pocket if they cause a serious accident. These minimums have not changed for 2025 or 2026.
Ohio homeowners pay an average of $2,075 per year for $250,000 in dwelling coverage, which is 40% below the national average. Your actual cost in Cuyahoga Falls depends on your home's age, your credit score, and coverage choices. Newer homes average around $1,365 annually, while older homes might cost $2,270 or more.
No, standard homeowners insurance policies do not cover flood damage. Given that Cuyahoga Falls has experienced flash flooding and river flooding from the Cuyahoga River, residents should consider purchasing separate flood insurance through the National Flood Insurance Program, especially if you live in low-lying areas or near the river.
Cuyahoga Falls has approximately six local insurance agencies, including Wayne Agency (founded 1917) on 2nd Street, The Rush Agency on Portage Trail, and agents representing major carriers like Nationwide, Allstate, State Farm, and Progressive. Local agents understand area-specific risks like flooding potential and severe weather patterns that can affect your coverage needs.
The most effective way to save is bundling your home and auto policies, which typically provides 15-25% discounts. Other strategies include improving your credit score (which can dramatically reduce premiums), raising your deductible, installing security systems, and staying claims-free. Always get quotes from at least three carriers to compare rates.
Cuyahoga Falls faces several weather-related risks including tornadoes (some rated EF-2), severe thunderstorms with hail up to 2 inches, damaging winds up to 81 mph, and flash flooding from the Cuyahoga River. Most standard homeowners policies cover tornado and hail damage, but you'll need separate flood insurance for water damage from river flooding or excessive rainfall.
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