Compass Insurance Services
3011 Tremainsville Rd, Toledo, OH 43613
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Toledo households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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3011 Tremainsville Rd, Toledo, OH 43613
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1017 Madison Ave, Suite 201, Toledo, OH 43604
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5215 Monroe St, Ste 2, Toledo, OH 43623
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3454 Oak Alley Ct, #106, Toledo, OH 43606
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5801 Telegraph Rd, Ste 9, Toledo, OH 43612
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22 N Erie St, Toledo, OH 43604
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5749 Park Center Ct, Toledo, OH 43615
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5151 Monroe St, Ste 250F, Toledo, OH 43623
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6029 Renaissance Place, Toledo, OH 43623
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610 Adams St, 2nd, Floor, Toledo, OH 43604
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Learn about insurance coverage options specific to Toledo residents.
Toledo home insurance averages $1,000-1,500/year. Learn about coverage for lake-effect weather, severe storms, and historic homes in the Glass City.
Car InsuranceToledo drivers pay $1,159-$1,601/year for car insurance. Learn what affects your rates, how to save with bundling and discounts, and why winter coverage matters.
Car InsuranceToledo auto insurance averages $1,600-$2,000/year. Learn Ohio's 25/50/25 requirements, why rates are higher near Lake Erie, and how to save with local agents.
General Insurance EducationComplete insurance guide for Toledo, OH. Learn about Ohio's 25/50/25 requirements, average rates, lake-effect weather risks, and how to save on coverage.
The average home insurance policy in Toledo costs about $1,164 per year, or roughly $97 per month. Your actual rate depends on your home's age, condition, coverage limits, and deductible. Homes with $200,000 in dwelling coverage average around $838 annually, while those with $400,000 in coverage pay closer to $1,543 per year.
No, standard homeowners insurance policies do not cover flood damage from rising water, heavy rains, or river overflow. You need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private flood carrier. If you live near the Maumee River or in a low-lying area, flood insurance is worth serious consideration.
Water backup from sump pump failure or sewer backups is not covered under a standard policy. You need to add water backup coverage as an optional endorsement. Given Toledo's severe storms and the potential for heavy rain to overwhelm drainage systems, this coverage is highly recommended and typically costs only a small additional premium.
Older homes often require additional attention when selecting coverage. Make sure your dwelling coverage reflects the actual cost to rebuild with period-appropriate materials, not just your home's market value. Toledo's median home price is around $122,000, but rebuilding a historic home could cost $250,000 or more. Ask your insurer about coverage for updated electrical, plumbing, and roofing systems.
Ohio law does not require homeowners insurance, but nearly all mortgage lenders do. Lenders can require coverage up to the replacement value of your home and its contents. Even if you own your home outright, insurance protects your largest financial asset from storms, fires, liability claims, and other risks that could devastate your finances.
You can reduce your premium by bundling home and auto insurance, increasing your deductible, installing security or fire alarm systems, updating your roof or electrical system, maintaining a good credit score, and staying claim-free. Review your coverage annually to ensure you're not overpaying for limits you don't need while still maintaining adequate protection.
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