Associated Insurance Agency
925 N State Street, Suite 200, Westerville, OH 43082
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925 N State Street, Suite 200, Westerville, OH 43082
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5991 Chandler Ct, Ste A, Westerville, OH 43082
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371 County Line Rd W, Ste 100A, Westerville, OH 43082
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5991 Chandler Ct, Suite A, Westerville, OH 43082
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470 Olde Worthington Road, Suite 200, Westerville, OH 43082
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190 S State St, Westerville, OH 43081
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5855 Chandler Ct, Westerville, OH 43082
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670 Meridian Way, Ste 265, Westerville, OH 43082
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Learn about insurance coverage options specific to Westerville residents.
Westerville home insurance costs $2,000-$2,200/year. Learn about winter weather coverage, property values, and ways to save on your premium.
General Insurance EducationComplete insurance guide for Westerville, OH residents. Learn about auto, home, flood, and life insurance options in this Franklin & Delaware County suburb.
Car InsuranceWesterville drivers pay $103/month on average. Learn about Ohio's 25/50/25 minimums, at-fault system, and why experts recommend higher coverage limits.
Westerville homeowners typically pay between $2,000 and $2,200 annually for home insurance, which is above Ohio's state average of $1,364 to $2,075. The higher cost reflects Westerville's above-average property values, with median home prices around $411,000 to $429,000 requiring more dwelling coverage than less expensive markets.
Ohio doesn't legally require homeowners insurance, but if you have a mortgage, your lender will require it to protect their investment in your property. Even if you own your home outright, insurance is strongly recommended to protect your largest asset from fire, storms, theft, and liability claims.
Yes, standard home insurance covers sudden and accidental damage from winter weather including ice dams, frozen pipes, roof damage from snow and ice, and wind damage. However, damage from lack of maintenance or failing to heat your home while away may not be covered, so take reasonable precautions during winter months.
Standard home insurance doesn't cover flooding, so you need a separate flood policy if you're at risk. Some Westerville homes near Alum Creek or Hoover Reservoir may be in FEMA flood zones where lenders require flood insurance. Even if not required, check FEMA flood maps to assess your risk and consider coverage.
Bundle your home and auto insurance to save 5% to 25%, raise your deductible from $1,000 to $2,500 to save about 12%, maintain good credit since Ohio allows credit-based pricing, and ask about discounts for security systems, newer roofs, being claim-free, or professional affiliations. Shopping around every few years also helps find better rates.
Choose replacement cost coverage for both your dwelling and personal property. Actual cash value policies depreciate your belongings before paying claims, meaning you'll get far less money to replace damaged items. Replacement cost coverage costs slightly more but pays what it actually costs to replace your possessions with new equivalents.
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