Scites Insurance Agency LLC
462 2nd Ave, Gallipolis, OH 45631
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Gallipolis households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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462 2nd Ave, Gallipolis, OH 45631
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451 2nd Ave, Gallipolis, OH 45631
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451 Second Ave, Gallipolis, OH 45631
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1564 State Route 160, Gallipolis, OH 45631
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Learn about insurance coverage options specific to Gallipolis residents.
Complete guide to auto, home, and flood insurance in Gallipolis, OH. Learn about Ohio River flood risks, local agents, and coverage requirements.
Home InsuranceCompare Gallipolis home insurance rates, flood coverage for Ohio River properties, and specialized policies for historic homes. Get the protection you need.
Car InsuranceGet the right auto insurance in Gallipolis, OH. Learn about Ohio's 25/50/25 requirements, uninsured motorist coverage, and local rates for river town drivers.
Yes, especially if you live near the Ohio River or in low-lying areas. Gallipolis has a documented flood history, including the catastrophic 1937 flood that submerged the entire town. Standard homeowners insurance doesn't cover any flood damage, and when the Ohio River reaches 49-50 feet, sections of Route 7 and riverfront areas flood. Even if you're not in a high-risk zone, flood insurance is worth considering given Gallipolis's geography.
Auto insurance rates vary based on your driving record, age, vehicle, and coverage choices, but Ohio residents generally pay below the national average. While state minimums might cost $400-$600 annually, most experts recommend higher coverage limits (100/300/100) which typically run $800-$1,500 per year for a clean driving record. Adding comprehensive and collision coverage increases costs but protects your vehicle investment.
Local Gallipolis agents understand specific regional risks like Ohio River flooding, can provide face-to-face service when you need to file claims, and often build long-term relationships with clients. Online insurers may offer lower prices through reduced overhead, but you'll typically work with call centers rather than someone familiar with your community. Many residents find the personalized service and local expertise worth any price difference.
Absolutely, and you should. Bundling your auto and home insurance with the same carrier typically saves 15-25% on both policies, often translating to $300-$500 in annual savings for Gallipolis residents. Most local agents can write multiple types of insurance, making bundling easy. Ask about multi-policy discounts when shopping for coverage—it's one of the simplest ways to reduce your insurance costs.
No, Ohio's minimum 25/50/25 liability limits are dangerously low for modern accidents. Medical bills and vehicle damage from serious crashes easily exceed $50,000, leaving you personally liable for anything above your coverage limit. If you own a home, have savings, or could face wage garnishment, consider at least 100/300/100 coverage to adequately protect your assets.
Your premium depends on your home's age, value, condition, roof age, heating and electrical systems, and your credit score. Ohio insurers can charge someone with poor credit more than six times what they'd charge someone with excellent credit for identical coverage. Your distance from the Ohio River and flood risk also matter, as does your claims history and the coverage limits and deductible you choose.
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