Dietz Futrell & Walters Insurance
324 4th Street, Marietta, OH 45750
View this agency's profile to learn more about their services.
Loading...
City directory
Marietta 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.
324 4th Street, Marietta, OH 45750
View this agency's profile to learn more about their services.
220 Putnam St, Marietta, OH 45750
View this agency's profile to learn more about their services.
109 Putnam St, Marietta, OH 45750
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Marietta residents.
Marietta homeowners insurance averages $1,200-$1,600/year. Historic homes need specialized coverage. Flood insurance essential near rivers.
Home InsuranceMarietta home insurance averages $1,650-$2,149/year. Learn about storm coverage, historic home protection, and discounts for this high-risk area.
Complete insurance guide for Marietta, Ohio residents. Learn about auto requirements, flood coverage for river properties, and affordable home insurance options.
Car InsuranceMarietta drivers need 25/50/25 liability coverage. Learn about Ohio River valley flood risks, winter driving, and how to protect your vehicle in Ohio's oldest city.
Car InsuranceMarietta auto insurance averages $3,200-$3,500/year. Learn about Georgia's 25/50/25 minimums, at-fault laws, and how I-75 traffic impacts your rates.
Car InsuranceMarietta drivers pay $178/month average for car insurance due to I-75 traffic. Learn how bundling, multi-car discounts & comprehensive coverage save money.
Yes, expect to pay 20-40% more than standard Ohio rates if you own a historic property. This reflects the higher cost of period-appropriate materials and specialized craftsmanship required for authentic restoration. However, well-maintained historic homes with updated electrical, plumbing, and HVAC systems may see smaller increases than properties with deferred maintenance.
No, standard homeowners insurance excludes flood damage from river overflow, heavy rain, or snowmelt. Given Marietta's location at the confluence of the Ohio and Muskingum Rivers, you need a separate flood insurance policy through the National Flood Insurance Program or a private insurer. The average flood policy in Ohio costs about $1,309 annually, though your rate depends on your specific flood zone and elevation.
Extended replacement cost coverage provides 25-50% more than your dwelling coverage limit to protect against unexpected restoration overruns. For a home insured at $300,000, this gives you up to $450,000 for rebuilding. Historic properties often encounter unforeseen complications during restoration—hidden damage, code upgrades, or difficulty sourcing period materials—making this extra cushion essential for avoiding out-of-pocket shortfalls.
Base your coverage on restoration cost, not market value or your purchase price. Get an appraisal from someone familiar with historic properties who can estimate what authentic restoration with period-appropriate materials would actually cost. Industry data shows standard coverage can fall $200,000 short of true restoration costs, so err on the side of higher limits rather than saving a few dollars on premiums.
This coverage helps pay for required building code upgrades when you repair or rebuild after a covered loss. Historic homes often need to be brought up to modern electrical, plumbing, or structural standards during major repairs, even if they were grandfathered in before. Without this coverage, you're responsible for these potentially expensive upgrades out of pocket.
For historic properties, agreed value coverage is often better. It establishes upfront what your insurer will pay for a total loss, eliminating disputes about actual cash value after a disaster. Guaranteed replacement cost coverage also works well, ensuring you can rebuild with historically accurate materials regardless of cost increases. Both options provide more certainty than standard replacement cost coverage.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network