Citywide Insurance & Real Estate
4169 Sunset Blvd, Steubenville, OH 43952
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Steubenville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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4169 Sunset Blvd, Steubenville, OH 43952
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2605 Sunset Blvd, Steubenville, OH 43952
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168 N 4th St, Steubenville, OH 43952
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141 Brady Circle West, Suite G02, Steubenville, OH 43952
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Learn about insurance coverage options specific to Steubenville residents.
Comprehensive guide to auto, home, and renters insurance in Steubenville, OH. Learn about rates, flood risks, local agents, and coverage requirements.
Home InsuranceHome insurance in Steubenville, Ohio: flood risk from Ohio River, historic home coverage, costs ($900-$2,075/year), and essential protections for Jefferson County homeowners.
Car InsuranceSteubenville auto insurance guide: Ohio's 25/50/25 minimums, at-fault system, US-22 driving conditions, rates in Jefferson County, and coverage that protects you.
Most Steubenville properties fall into FEMA Zone X, which means flood insurance isn't mandatory unless your lender requires it. However, the city's location along the Ohio River creates moderate flood risk. If you're in a lower-lying area or near the river, flood insurance is worth considering since standard homeowners policies don't cover flood damage. A single flood event could cost tens of thousands in uninsured losses.
Steubenville's home insurance averages around $761 per year, well below the national average of $3,000. This is largely due to lower home values—the median home value is about $141,494. Insurance premiums are based partly on replacement costs, so lower-valued homes cost less to insure. However, older home construction and crime rates can increase premiums for some properties.
Ohio requires 25/50/25 liability coverage, but these limits are quite low. A serious accident can easily result in medical bills exceeding $25,000 per person. Most insurance professionals recommend increasing to at least 100/300/100 coverage if financially feasible. The additional cost is typically modest—around $10-20 more per month—but provides significantly better protection against major claims.
Steubenville's overall crime rate is about 55% higher than the national average, which insurers factor into rates for both auto and home insurance. Properties in higher-crime areas may see increased premiums for theft and vandalism coverage. However, property crime has been trending downward recently, and you can often qualify for discounts by installing security systems or taking other protective measures.
Local Steubenville agents offer distinct advantages—they understand Jefferson County's specific risks like flood zones and older housing stock. Independent agents can shop multiple insurers to find the best rates and coverage combinations. While online quotes are convenient, local agents provide personalized service and help navigate claims when problems arise. Many residents find the best approach is getting quotes from both sources and comparing.
Renters insurance is essential even though your landlord has coverage for the building. Your landlord's policy doesn't protect your belongings or your personal liability. If your possessions are stolen or damaged, or if someone is injured in your rental unit, you need your own policy. Renters insurance typically costs $15-30 per month and provides coverage for personal property, liability, and additional living expenses if your rental becomes uninhabitable.
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