Black Swan Insurance Group
8387 Turning Leaf Crossing, Springboro, OH 45066
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Springboro households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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8387 Turning Leaf Crossing, Springboro, OH 45066
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14 Remick Blvd, Ste 206, Springboro, OH 45066
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Copper Insurance Group, LLC, Springboro, OH 45066
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35 Aspen Woods Dr, Springboro, OH 45066
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10 Royal Dr, Springboro, OH 45066
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Learn about insurance coverage options specific to Springboro residents.
Get the complete insurance guide for Springboro, OH. Learn about auto, home, and flood coverage requirements, local rates, weather risks, and how to save.
Car InsuranceEverything Springboro drivers need to know about Ohio's 25/50/25 minimums, at-fault rules, and local rate factors. Get the coverage that actually protects you.
Ohio requires 25/50/25 liability coverage: $25,000 per person for bodily injury, $50,000 total per accident for all injuries, and $25,000 for property damage. However, these minimums often won't cover serious accidents, so experts recommend higher limits like 100/300/100 to better protect your assets.
Ohio homeowners pay an average of $2,075 annually for $250,000 in dwelling coverage, which is 40% below the national average. However, rates have increased 36% since 2019 due to severe weather, including record-breaking tornado activity in Ohio.
No, standard homeowners policies explicitly exclude flood damage. You need a separate flood insurance policy to cover flooding from heavy rain, overflowing rivers, or water backup. Only 0.4% of Ohio residents carry flood insurance, but it's worth considering given the increasing frequency of severe storms.
Bundle your home and auto policies for 15-25% savings, raise your deductibles to lower premiums, and ask about discounts for safe driving, home security systems, and paying in full. Most importantly, shop around every year or two and compare quotes from multiple carriers to ensure you're getting the best rate.
Ohio experienced 74 tornadoes in 2024, shattering the previous record, leading to a 36.4% increase in homeowners insurance rates from 2019-2024. Severe weather claims are becoming more frequent and widespread, and increased vehicle repair costs have also pushed up auto insurance premiums across the state.
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