Furlong & Company Insurance Agency Inc.
8810 Tyler Blvd, Mentor, OH 44060
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Mentor households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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8810 Tyler Blvd, Mentor, OH 44060
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7200 Center St, Suite 328, Mentor, OH 44060
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9354 Mentor Avenue, Suite 15, Mentor, OH 44060
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7537 Mentor Ave, Ste 208, Mentor, OH 44060
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Learn about insurance coverage options specific to Mentor residents.
Mentor residents pay $90/mo for auto insurance—half the national average. Learn about home, flood, and umbrella coverage for Lake County homeowners.
Home InsuranceMentor home insurance averages $1,187/year—among Ohio's lowest rates. Learn about lake effect snow coverage, flood insurance needs, and waterfront protection.
Car InsuranceGet the facts on Mentor auto insurance: Ohio's 25/50/25 minimums, at-fault rules, average rates ($90.70/mo), and why lake-effect snow matters for your coverage.
Yes, flood insurance deserves serious consideration in Mentor even if you're not in a high-risk flood zone. Lake County faces coastal flooding from Lake Erie, and more than 25% of flood claims come from outside designated flood plains. Standard home insurance doesn't cover flood damage, and with Ohio's rainfall increasing 5-15% since the early 1900s, the risk is real. Policies average around $1,309 annually in Ohio.
Ohio requires minimum auto insurance coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 total per accident for bodily injury, and $25,000 for property damage per accident. These minimums remain unchanged for 2025 and 2026, though many experts recommend higher limits to protect your assets adequately.
Mentor-on-the-Lake has some of Ohio's cheapest home insurance at approximately $1,187 per year. Even in Mentor proper, rates remain well below the state average of $1,640 annually. Your actual premium depends on your home's age, value, coverage limits, and credit score. Newer homes built around 2020 average $1,365 annually, while older homes from the 1980s cost around $2,270.
With Mentor's median household income of $89,202 and rising property values, umbrella insurance is worth considering. It provides $1-5 million in additional liability protection beyond your auto and home policies for typically $150-300 per year. This protects your assets if you're sued for damages that exceed your basic policy limits—a relatively small cost for significant financial protection.
New 2025 code updates emphasize sewer backup and sump pump overflow coverage, which aren't included in standard home insurance policies. These are common risks during heavy rainfall in Lake County. Adding this coverage typically costs only $50-100 per year but can save you from $10,000+ in cleanup and repair costs after a single incident.
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