Smith & Associates
8 4th St, Laura, OH 45337
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Laura households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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8 4th St, Laura, OH 45337
View this agency's profile to learn more about their services.
8 E 4th St, Laura, OH 45337
View this agency's profile to learn more about their services.
8 E Fourth St, Laura, OH 45337
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Laura residents.
Laura, OH homeowners pay $1,200-$2,075/year for home insurance. Learn about coverage for rural properties, outbuildings, and storm protection.
Everything Laura residents need to know about auto, home, and farm insurance in Miami County. Learn requirements, costs, and savings tips.
Car InsuranceLaura, Ohio drivers pay less than urban areas for auto insurance. Learn about Ohio's requirements, seasonal coverage needs, and how to save on rural rates.
Laura homeowners typically pay between $1,200 and $2,075 annually for home insurance, depending on coverage amounts and property characteristics. Ohio's rates are about 40% below the national average, making it one of the more affordable states for home insurance. Your specific rate depends on factors like your credit score, home age, distance from fire protection, and the value of additional structures.
Yes, but with significant limits. Standard policies include Coverage B (other structures) which typically covers only 10% of your dwelling coverage—so a $250,000 policy includes just $25,000 for all outbuildings combined. If you have valuable barns, detached garages, or other structures, you'll need to increase this coverage through an endorsement to ensure adequate protection.
Yes, tornado and wind damage are covered under standard home insurance policies in Ohio. However, many policies have separate wind/hail deductibles that are higher than your regular deductible—often 1-5% of your dwelling coverage instead of a flat $1,000. Check your policy details so you know exactly what you'd pay out-of-pocket after storm damage.
Replacement cost coverage pays to rebuild your home at current construction prices without factoring in depreciation. Actual cash value deducts depreciation, meaning you receive less money based on your home's age and condition. Replacement cost costs more upfront but provides significantly better protection—it's worth the extra premium to avoid being underinsured when you need to rebuild.
Start by improving your credit score, which can reduce rates by thousands of dollars annually. Bundle your home and auto insurance with the same company for multi-policy discounts. Install security systems, smoke detectors, and consider upgrading your roof if it's older. Finally, shop around—rates vary dramatically between insurers, with some charging four times more than others for identical coverage.
Standard home insurance policies don't cover flood damage. If your property is in or near a flood zone, you'll need a separate flood insurance policy through the National Flood Insurance Program or a private insurer. Even if you're not in a designated flood zone, consider flood coverage—heavy spring storms in western Ohio can cause significant water damage even in areas not typically at risk.
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