Concept4 Insurance Agency
125 West Ave, Suite 103, Tallmadge, OH 44278
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125 West Ave, Suite 103, Tallmadge, OH 44278
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670 Eastwood Ave, Tallmadge, OH 44278
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40 Metric Drive, Suite 1, Tallmadge, OH 44278
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40 Metric Drive, Suite 1, Tallmadge, OH 44278
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Tallmadge residents.
Compare auto, home, and local insurance agents in Tallmadge, OH. Learn about Summit County rates, Ohio requirements, and ways to save on coverage.
Home InsuranceTallmadge homeowners pay ~$1,576/year for home insurance. Learn about tornado coverage, historic home protection, and what your policy should cover.
Car InsuranceTallmadge, OH drivers: Learn about Ohio's 25/50/25 minimums, at-fault system, and why experts recommend higher coverage. Compare rates and save today.
Ohio requires all drivers to carry minimum liability coverage of 25/50/25, meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. However, most insurance experts recommend higher limits of at least 50/100/50 to adequately protect your assets, especially given Tallmadge's median home values exceeding $226,000. This minimum coverage only pays for damage you cause to others—it doesn't cover your own vehicle repairs or medical expenses.
Home insurance in Ohio typically costs between $900 and $1,200 annually, though your specific rate depends on factors like your home's age, value, construction type, and location. Tallmadge homeowners with historic properties near the Circle may see higher premiums due to the cost of replacing period-appropriate architectural features. The best way to get accurate pricing is to request quotes from multiple carriers or work with a local independent agent who can shop your coverage.
No, standard homeowners insurance policies do not cover flood damage. While Tallmadge isn't in a high-risk flood zone, Summit County does experience occasional flooding from heavy rainfall. If your property is near waterways or in a flood-prone area, you should purchase a separate flood insurance policy through the National Flood Insurance Program. Your local insurance agent can assess your flood risk and help you determine if flood coverage makes sense for your property.
The single most effective way to save is bundling your auto and home insurance with the same carrier, which typically delivers discounts of 5% to 25%. This can save you $500 to $600 annually on average. Other savings strategies include maintaining a clean driving record, installing home security systems, raising your deductibles, paying your premium in full annually, and asking about loyalty discounts if you've been with the same carrier for several years.
They often do, yes. Historic homes near Tallmadge Circle that date back to the Connecticut Western Reserve era may have unique architectural features, materials, and construction methods that are more expensive to repair or replace. You'll want to discuss replacement cost coverage with your agent to ensure your policy covers the actual cost of rebuilding with period-appropriate materials, not just the market value of the property. Some carriers specialize in historic home coverage and may offer better rates.
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