Strickler Insurance
161 N 8th St, Lebanon, PA 17046
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Lebanon households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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161 N 8th St, Lebanon, PA 17046
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lebanon residents.
Lebanon, TN homeowners pay just $922/year for insurance—below national average. Get rates, coverage tips, and local agent info for Wilson County.
Ohio requires all drivers to carry liability insurance with minimum limits of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. However, insurance experts strongly recommend higher limits like 50/100/50 or 100/300/100, as medical costs and vehicle repairs in 2025 often exceed these minimums, leaving you personally liable for the difference.
Home insurance in Ohio averages between $1,200 and $2,100 annually, depending on your coverage level and home value—approximately 30% below the national average. With Lebanon's median home price at $405,500 as of March 2025, most homeowners need adequate dwelling coverage to match rising replacement costs. Your actual premium depends on factors like your home's age, roof condition, claims history, and chosen deductible.
Standard home insurance policies don't cover flooding, and Warren County has flooding potential from heavy rains and creek overflow. Even if you're not in a designated high-risk flood zone, flood insurance through FEMA's National Flood Insurance Program or private insurers is worth considering, especially since policies can cost just a few hundred dollars annually. Flood damage is expensive to repair, and many Lebanon residents underestimate their risk.
Warren County faces several weather-related risks including thunderstorms with lightning and hail, occasional tornadoes, winter ice storms, and flooding potential. Your home insurance should include wind and hail coverage, and consider adding flood insurance and sewer backup endorsements. For auto insurance, comprehensive coverage protects against hail damage, falling tree limbs, and other weather-related perils beyond collisions.
Local independent agents in Lebanon offer significant advantages: they shop your policy across multiple carriers to find the best price and coverage, understand Warren County's specific risks, and provide personalized service during claims. Unlike captive agents who represent one company, independent agents give you access to multiple insurers. While online quotes are convenient, a local agent can identify coverage gaps and discounts you might miss on your own.
Review your policies at least annually, especially in Lebanon's growing housing market where property values rose 8.6% to a median of $405,500 in 2025. Life changes like buying a new vehicle, finishing your basement, adding a pool, or acquiring valuable items require policy updates. As replacement costs rise due to inflation in building materials and labor, your coverage limits from even two years ago may no longer be adequate to rebuild your home.
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