Chaney & Thomas Insurance
104 Lafayette St, London, OH 43140
View this agency's profile to learn more about their services.
Loading...
City directory
London households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
104 Lafayette St, London, OH 43140
View this agency's profile to learn more about their services.
63 N Main St, Suite, #1, London, OH 43140
View this agency's profile to learn more about their services.
60 W High St, London, OH 43140
View this agency's profile to learn more about their services.
27 E. Fourth St, London, OH 43140
View this agency's profile to learn more about their services.
27 E 4th St, London, OH 43140
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to London residents.
London, Ohio insurance guide covering auto, home, and renters coverage. Compare local agencies, understand state requirements, and find the best rates.
Home InsuranceLondon, Ohio homeowners pay $2,000-$2,500/year for insurance. Learn about tornado coverage, rates for older homes, and how to save on your premium.
Car InsuranceLondon, OH drivers need more than 25/50/25 minimums. Learn about Ohio's at-fault system, uninsured motorist coverage, and rates near I-70 and US-42.
Ohio requires minimum auto insurance of 25/50/25, meaning $25,000 per person for bodily injury, $50,000 per accident for all injuries, and $25,000 for property damage. However, these minimums often aren't sufficient to cover serious accidents, so most experts recommend higher limits like 100/300/100 to protect your assets and avoid out-of-pocket expenses.
Ohio homeowners pay an average of $1,200 to $1,576 annually for homeowners insurance, depending on coverage levels and home value. While this is about 40% below the national average, rates have increased significantly—up 36.4% from 2019 to 2024—primarily due to severe weather and increased claim costs. Your specific rate will depend on your home's age, condition, location, and coverage needs.
Yes, standard homeowners insurance policies in Ohio cover tornado damage along with damage from wind, hail, lightning, ice, and snow. With Ohio experiencing record tornado activity (74 tornadoes in 2024), this coverage is crucial for London residents. However, flood damage and earthquake damage are typically excluded and require separate policies.
Renters insurance isn't legally required in Ohio, but many landlords require it as a lease condition. Even if not required, it's highly recommended. For about $21 per month, you get coverage for personal belongings, liability protection if someone is injured in your apartment, and additional living expenses if your unit becomes uninhabitable due to fire or other covered events.
The most effective way to save is bundling your auto and home or renters insurance with the same carrier, which typically saves 15-25%. Other strategies include increasing your deductible, installing security systems or smoke detectors, maintaining a good driving record, taking defensive driving courses, and asking about low-mileage discounts if you don't drive much. Shopping around with multiple local agents also helps ensure you're getting competitive rates.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network