Bowers Insurance Services Agency, Inc.
5108 Cemetery Rd, Hilliard, OH 43026
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5108 Cemetery Rd, Hilliard, OH 43026
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3544 Main St, Hilliard, OH 43026
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3974 Brown Park Dr, Ste I, Hilliard, OH 43026
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3956 Brown Park Dr, Ste A, Hilliard, OH 43026
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4694 Cemetery Rd, #406, Hilliard, OH 43026
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5038 Cemetery Rd, Hilliard, OH 43026
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Learn about insurance coverage options specific to Hilliard residents.
Hilliard homeowners typically pay between $1,200 and $2,200 per year for home insurance, with the exact rate depending on your home's age, size, condition, and your personal credit score. Newer homes built after 2000 average around $1,365 annually, while older homes can cost $2,270 or more. Your credit score has a massive impact—excellent credit can get rates as low as $837, while poor credit can push premiums above $5,000.
Yes, standard homeowners insurance policies cover tornado damage to your home and belongings under the wind and hail portion of your coverage. This is important in Hilliard since Franklin County ranks second in Ohio for tornado frequency, including the EF-1 tornado that hit the area in February 2024. Make sure your dwelling coverage limit is high enough to rebuild your home at current construction costs.
While not required for all properties, flood insurance is worth considering even if you're not in a high-risk flood zone. Standard homeowners policies don't cover flood damage, and severe rainfall events are becoming more common in Central Ohio. Flood insurance outside high-risk areas typically costs $400 to $600 per year and can protect you from devastating financial loss if your basement floods or nearby waterways overflow.
Yes, historic homes in Old Hilliard typically cost more to insure than newer construction. Older homes often have outdated electrical and plumbing systems, and original architectural features can be expensive to repair or replace. You may need specialized coverage like guaranteed replacement cost or ordinance and law endorsements to ensure you can properly restore your historic home after a covered loss.
You can save significantly by bundling home and auto insurance (15-25% discount), installing monitored security or fire alarm systems, maintaining a claims-free history, and having a newer roof or updated home systems. Many insurers also offer discounts for being over 55, having smart home devices, or belonging to certain professional organizations. Always ask your agent about every discount you might qualify for.
Given Hilliard's median household income of nearly $123,000 and higher home values, you should consider increasing liability coverage beyond the standard $100,000 to $300,000. Boosting coverage to $500,000 or adding a $1 million umbrella policy costs just a few hundred dollars more annually and protects your assets if someone is seriously injured on your property and sues you for damages.
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