Advocate Insurance
378 N Main Ave, Centerville, UT 84014
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378 N Main Ave, Centerville, UT 84014
View this agency's profile to learn more about their services.
378 N Main St, Centerville, UT 84014
View this agency's profile to learn more about their services.
380 S Main St, Centerville, UT 84014
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Centerville residents.
Complete insurance guide for Centerville, OH covering auto requirements, home insurance costs, weather risks, and local agents near Dayton.
General Insurance EducationEverything Centerville residents need to know about home, auto, earthquake, and flood insurance. Learn about Utah's 2025 coverage changes and local risks.
No, Ohio's 25/50/25 minimum coverage is rarely sufficient for modern accident costs. A single serious injury can exceed $25,000 in medical bills, and vehicle repair costs routinely hit $20,000 or more. Most insurance professionals recommend at least 100/300/100 coverage to adequately protect your assets, especially given Centerville's above-average median income and home values.
Centerville sits in the Dayton metro area, which experiences higher severe weather frequency than much of Ohio. Doppler radar has detected hail near Centerville 107 times in recent years, and the area falls within the eastern edge of Tornado Alley. These weather risks translate to more claims, which insurers account for in their pricing, resulting in average premiums around $1,685 annually.
Actual cash value pays what your damaged property is worth today after depreciation, while replacement cost coverage pays to replace it with new items of similar quality. For example, if hail damages your 15-year-old roof, actual cash value might pay half the replacement cost, while replacement cost coverage pays for a complete new roof. The premium difference is modest but the protection gap is enormous.
Yes, this is a critical question to ask your agent. Some Ohio policies include separate percentage-based deductibles for wind or hail damage, often 1-2% of your home's insured value. On a $300,000 home, a 2% wind/hail deductible means you pay the first $6,000 of damage instead of your standard $1,000 deductible—a significant difference after a severe storm.
Bundling typically saves 5-25% on both your home and auto premiums. For a Centerville household paying typical rates of $1,685 for home insurance and $1,200 for auto, that translates to $144-720 in annual savings. Beyond cost savings, you also get simplified billing, one renewal date, and a single point of contact for all your insurance needs.
Local agents understand Montgomery County's specific risks, including weather patterns, flood zones near area creeks, and coverage needs for historic downtown homes. When you file a claim after severe weather, you're working with someone in your community who can advocate for you and facilitate faster resolution, rather than navigating a distant call center.
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