BCA Insurance Group
28350 Kensington Lane, Suite 100, Perrysburg, OH 43551
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Perrysburg households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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28350 Kensington Lane, Suite 100, Perrysburg, OH 43551
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27100 Oakmead Drive PMB 304, Perrysburg, OH 43551
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27100 Oakmead Dr, Suite 304, Perrysburg, OH 43551
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26595 Green Ville Dr, Perrysburg, OH 43551
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27457 Holiday Ln, Ste M, Perrysburg, OH 43551
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126 E Second St, Perrysburg, OH 43551
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126 E 2nd St, Perrysburg, OH 43551
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Learn about insurance coverage options specific to Perrysburg residents.
Complete insurance guide for Perrysburg, OH covering auto, home, and flood insurance requirements, costs, and local agents in Wood County.
Home InsurancePerrysburg homeowners pay $1,200-$1,500/year for insurance—40% below national average. Learn about flood risks, winter coverage, and costs for your home.
Car InsurancePerrysburg auto insurance guide: Ohio's 25/50/25 requirements, at-fault system, I-75 corridor risks, and coverage recommendations for Wood County drivers.
Ohio requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage (25/50/25). However, these minimums are low, and most experts recommend at least 50/100/50 or higher to adequately protect your assets if you cause a serious accident.
No, standard homeowners insurance policies do not cover flood damage. You need a separate flood insurance policy, which costs an average of $1,007 per year in Ohio, though many properties qualify for coverage under $400 annually. Given Perrysburg's proximity to the Maumee River, flood insurance is worth considering even if not required by your lender.
Ohio homeowners pay about $1,231 per year on average for home insurance, roughly 30-40% below the national average. Perrysburg rates typically align with the state average. Your actual cost depends on your home's value, age, construction type, coverage limits, and deductible choices.
Independent agents work with multiple insurance companies and can shop your coverage across several carriers, while captive agents represent one company like State Farm or Allstate. Neither is inherently better—independent agents offer more choice, while captive agents may provide deeper expertise with one carrier's products. Consider which approach fits your needs and decision-making style.
Most insurers offer bundling discounts of 15-25% when you combine home and auto policies. You may also qualify for discounts based on security systems, newer roofs, claims-free history, good driving records, defensive driving courses, or vehicle safety features. Ask your agent for a complete list of available discounts.
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