Copeland Insurance Group
336 S Main St, Findlay, OH 45840
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Findlay households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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336 S Main St, Findlay, OH 45840
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717 North Main St, Findlay, OH 45840
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416 N Main Street, Findlay, OH 45840
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601 Tiffin Ave, Findlay, OH 45840
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Learn about insurance coverage options specific to Findlay residents.
Ohio requires 25/50/25 liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. This coverage only pays for damage you cause to others, not your own vehicle or medical expenses. Many insurance experts recommend higher limits like 50/100/50 since medical costs and vehicle repairs can easily exceed these minimums.
It depends on your property's location. Recent FEMA map revisions removed some Findlay properties from Special Flood Hazard Areas, meaning flood insurance may no longer be mandatory. However, standard homeowners policies don't cover flood damage, so even if it's not required, flood insurance may be worth considering—especially for properties near the Blanchard River. Policies outside high-risk zones often cost under $500 annually.
Home insurance in Findlay typically ranges from $900 to $1,200 per year, which is below the national average of approximately $1,428. Your actual rate depends on factors like your home's age, construction type, proximity to fire hydrants, coverage limits, and deductible. Rising construction costs and inflation have impacted rates recently, so it's smart to review your coverage limits to ensure they're adequate for rebuilding costs.
No, the University of Findlay does not require renters insurance, though they strongly encourage it. The university's insurance only covers building structures, not students' personal belongings. For $15-30 per month, renters insurance protects your possessions against theft, fire, and damage, plus provides liability coverage if someone is injured in your rental unit or you accidentally cause damage to the property.
Local agents in Findlay offer valuable expertise about area-specific risks like Blanchard River flooding and severe weather patterns. Independent agents can shop multiple carriers to find the best rate, while captive agents offer deep knowledge of their company's products. Local agents also provide personalized service during claims and can help you maximize discounts. That said, online quotes can be convenient for comparison—many Findlay residents get online quotes first, then discuss options with a local agent.
Findlay faces several weather-related risks including heavy snowfall that can damage roofs, spring tornado activity, severe thunderstorms with hail, and potential flooding from the Blanchard River. These risks influence home insurance rates and coverage needs. Most standard policies cover wind and hail damage, but flood damage requires separate coverage. Winter storm damage to roofs and ice dams are common claims in northwest Ohio, so adequate dwelling coverage is essential.
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