Devine-O'horo Insurance
30 W Liberty St, Hubbard, OH 44425
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30 W Liberty St, Hubbard, OH 44425
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973 W Liberty St, Hubbard, OH 44425
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Based in Hubbard, OH, Hubbard, OH 44425
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Hubbard residents.
Hubbard home insurance averages $995/year. Learn about winter weather coverage, flood risks, and how to protect your Trumbull County home affordably.
General Insurance EducationComplete insurance guide for Hubbard, Ohio residents. Learn about auto requirements, affordable home rates, flood risks, and coverage options in Trumbull County.
Car InsuranceGet the right auto insurance in Hubbard, Ohio. Learn about Ohio's 25/50/25 requirements, local rates, and why uninsured motorist coverage matters.
While Hubbard isn't in a high-risk flood zone, the Mahoning River and clay-rich soil create flooding risks from heavy rain and snowmelt. Standard home insurance doesn't cover flooding, so if your home is near the river or you have basement flooding concerns, flood insurance through the National Flood Insurance Program is worth considering. It typically costs $400-700 annually for homes outside high-risk areas and could save you tens of thousands in water damage costs.
Hubbard homeowners pay about $995 per year on average, which is right in line with the Trumbull County average and well below the national average. This is roughly $83 per month for a basic HO-3 policy with typical coverage limits. Cities in tornado-prone areas of Ohio or those with higher crime rates may pay more, while rural areas with volunteer fire departments sometimes pay less.
Probably not. Most insurance policies require you to maintain heat in your home during winter or drain the plumbing system if you'll be away. If you turn off the heat to save money and a pipe bursts, the insurer will likely deny your claim for failure to maintain the property. However, if you kept the heat on and a pipe still froze due to extreme cold or a heating system failure, you should be covered.
Always choose replacement cost coverage for both your dwelling and personal property if you can afford it. Actual cash value pays what your items are worth after depreciation—so your 5-year-old TV that cost $800 might only get you $200. Replacement cost pays to buy a new equivalent item, which is what you actually need to recover from a loss. The premium difference is typically only 10-15%, but the claim payment difference can be massive.
Yes, typically. Older homes in Hubbard's established neighborhoods often have outdated electrical systems, older roofs, and aging plumbing that increase the risk of claims. Some insurers may charge higher premiums or require you to update certain systems before they'll provide coverage. However, many companies offer discounts if you've updated your roof, electrical panel, or plumbing, so renovations can actually lower your premium while making your home safer.
First, ensure everyone is safe and prevent further damage if possible—like covering a hole in the roof with a tarp or shutting off water to a burst pipe. Take photos and videos of all damage before cleaning up. Then call your insurance company within 24 hours to report the claim. Keep all receipts for emergency repairs, temporary housing, or damaged items. Don't start major repairs until an adjuster inspects the damage, or you might not get reimbursed for the full cost.
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