Gary C. Grant Insurance Agency, Inc.
324 Clinton St, Defiance, OH 43512
View this agency's profile to learn more about their services.
Loading...
City directory
Defiance households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
324 Clinton St, Defiance, OH 43512
View this agency's profile to learn more about their services.
827 E 2nd St, Defiance, OH 43512
View this agency's profile to learn more about their services.
827 E Second St, Defiance, OH 43512
View this agency's profile to learn more about their services.
1101 Ralston Ave, Suite A, Defiance, OH 43512
View this agency's profile to learn more about their services.
414 Clinton St, Defiance, OH 43512
View this agency's profile to learn more about their services.
619 Fifth Street, Defiance, OH 43512
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Defiance residents.
Complete insurance guide for Defiance, OH. Learn about auto rates, home coverage, flood risks at the river confluence, and local agents serving the area.
Home InsuranceGet home insurance in Defiance, OH with flood protection for river risks, historic home coverage, and rural property options. Compare 2026 rates now.
Car InsuranceLearn about auto insurance in Defiance, Ohio. Understand Ohio's 25/50/25 minimums, at-fault system, US-24 corridor factors, and coverage options for your needs.
Yes, especially if your home is near the Maumee or Auglaize Rivers. Defiance sits at the confluence of these two rivers, creating documented flood risk. Standard homeowners insurance doesn't cover flood damage at all, meaning you'd pay out of pocket for water damage, cleanup, and repairs. Even homes outside designated flood zones should consider coverage, as 25% of flood claims come from moderate-risk areas.
Defiance drivers pay close to Ohio's statewide averages: around $390 per year for minimum liability coverage and approximately $1,200 annually for full coverage including collision and comprehensive. Your actual rate depends on your driving record, age, credit score, vehicle type, and coverage limits. Bundling home and auto policies can save 15-25%.
Local independent agents represent multiple insurance companies and can compare quotes across carriers to find your best rate and coverage combination. They understand Defiance-specific risks like flood patterns and winter weather conditions. When you file a claim, you work with someone local who knows your situation, not a distant call center.
Ohio's 25/50/25 minimum keeps you legal but may not adequately protect you financially. Medical bills from serious injuries easily exceed $25,000, and property damage to modern vehicles or structures adds up fast. If you cause an accident that exceeds your liability limits, you're personally responsible for the difference, which can lead to wage garnishment or property liens.
Your credit score has the biggest impact—excellent credit can reduce premiums to around $837 annually, while poor credit can push costs above $5,000. Other factors include your home's age, condition of electrical and plumbing systems, roof age, proximity to the rivers, security features, and claims history. Upgrading outdated systems often earns discounts.
Absolutely. If you're renting an apartment or living off-campus, your landlord's insurance covers the building but not your belongings or your liability if someone is injured in your unit. Renters insurance typically costs just $15-30 per month and protects your possessions, provides liability coverage, and covers additional living expenses if you're displaced by a fire or other covered event.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network