Caleb A. Robinson, DDS
541 Wabash Ave NW, New Philadelphia, OH 44663
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541 Wabash Ave NW, New Philadelphia, OH 44663
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400 Mill Avenue SE, Ste 545, New Philadelphia, OH 44663
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442 W High Ave, New Philadelphia, OH 44663
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805 East High Avenue, New Philadelphia, OH 44663
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Learn about insurance coverage options specific to New Philadelphia residents.
Complete insurance guide for New Philadelphia, OH. Learn about auto rates, home coverage, flood risks, and local agents in Tuscarawas County.
Home InsuranceGet the right home insurance in New Philadelphia, OH. Learn about tornado coverage, wind/hail deductibles, costs, and how to protect your Tuscarawas County home.
Car InsuranceEssential auto insurance guide for New Philadelphia, Ohio drivers. Understand Ohio's 25/50/25 minimums, at-fault system, and I-77 risks. Get covered right.
Ohio requires minimum liability coverage of 25/50/25, which means $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. However, most insurance professionals recommend higher limits like 100/300/100 to provide adequate protection if you cause a serious accident.
No, standard homeowners insurance policies do not cover flood damage. Since Tuscarawas County experiences flash flood risks, especially near the Tuscarawas River, you need a separate flood insurance policy through the National Flood Insurance Program or a private insurer if you're in a flood-prone area.
Ohio drivers pay an average of $158 per month or $1,896 annually for auto insurance, which is well below the national average of $208 per month. Your actual rate depends on factors like your driving record, age, vehicle type, credit score, and coverage limits you choose.
Tuscarawas County faces severe weather including thunderstorms, tornadoes, and flash flooding. These risks impact both auto and home insurance considerations. While Ohio avoids hurricanes and earthquakes, tornado damage and flood risk require appropriate coverage, particularly comprehensive auto coverage and separate flood insurance for homes.
Credit score has a significant impact on Ohio insurance costs. Excellent credit can result in home insurance rates as low as $837 annually, while poor credit might push rates to $5,420. Improving your credit from poor to good could save you over $3,300 per year on home insurance alone.
Working with one of New Philadelphia's four local agencies offers real advantages. Local agents understand Tuscarawas County's specific risks, know which neighborhoods have flood histories, and can provide personalized service. Independent agents can quote multiple carriers to find you the best rate and coverage combination for your situation.
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