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2024

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Best Homeowners Insurance Agencies in Dayton, OH

Our Recommended Top 14

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Dayton Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

101Reviewed

66Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1305 West 1st Street, Springfield, OH 45504

Expertise.com Rating

Review Sources

Google
4.8 (46)

Why choose this provider?

American Heritage Insurance Group offers homeowners insurance plans that protect clients from financial losses if their properties are damaged by disasters or involved in any kind of theft or vandalism. This agency works with over 20 different carriers to provide clients with a range of options to cover their dwellings and possessions. Aside from single-family homes, American Heritage Insurance Group also insures condominiums and can cover aspects not typically insured buy homeowners' association policies.

  • Personal Property Insurance

3639 Rigby Road, Miamisburg, OH 45342

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

NRK-Hogan Insurance has been in business in Dayton for over 60 years. The independent insurance agency offers a wide range of insurance policies, including homeowners' insurance, for individuals. Its home insurance policies cover various options depending on the specific needs and lifestyle of the clients. They can protect homeowners from small and large risks such as property damage. The agency also covers auto insurance and life insurance. NRK-Hogan Insurance is also involved with local community organizations and charities.

  • Renter's Insurance
  • Personal Property Insurance
  • Fire

115 Linwood Street, Dayton, OH 45405

Expertise.com Rating

Review Sources

Google
4.6 (5)

Why choose this provider?

Walter A. McFall & Son Agency, Inc., provides insurance coverages for clients in Dayton. The company offers insurance plans for homeowners to prepare for unplanned repairs or loss of items. This includes any property damage to the house, water backups, flooding, and theft of personal belongings. The company discusses each plan with the client to find the best fit for the location, risks, and budget. It is a family-owned company that spans four generations and was founded back in 1936.

  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

4 Easton Oval, Columbus, OH 43219

Expertise.com Rating

Why choose this provider?

Safe Auto Group Agency Inc. sells homeowners insurance policies to clients in the Dayton metro area. Its agents explain different policy options and help clients to purchase the amount of coverage they need for their assets. It also helps them to insure a variety of possessions such as power tools, video games, electronics, appliances, and furniture items. Safe Auto Group Agency Inc. sells liability coverage that stops owners from losing money to property-related lawsuits.

  • Renter's Insurance
  • Personal Property Insurance

24 East Linden Avenue, Miamisburg, OH 45342

Expertise.com Rating

Why choose this provider?

Hosket Ulen Insurance Solutions sells homeowners insurance programs to clients in the Dayton metro area. Its home insurance plans can be customized to cover a variety of different liabilities. Structural damage from natural disasters, fires, or vandalism are some common focus points. Hosket Ulen Insurance Solutions also helps people to obtain coverage for their personal belongings and collectors items. Personal liability insurance and excess liability coverage are available as well. This agency offers business insurance too.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

8995 Cincinnati Dayton Road, West Chester, OH 45069

Expertise.com Rating

Review Sources

Google
5.0 (54)
Facebook
5.0 (2)

Why choose this provider?

Ben Rader, State Farm Insurance Agent, is an insurance office operating under the State Farm umbrella that offers homeowners insurance. This office assists clients as they try to obtain coverage for their homes and any valuable items. It helps them to find the right policies for their needs, answers any questions or concerns they have with their policies, and responds to claims of damage or theft. Auto and business insurance products are available here.

  • Personal Property Insurance

2262 County Line Rd, Beavercreek, OH 45430

Expertise.com Rating

Review Sources

Google
4.6 (40)
Facebook
5.0 (31)

Why choose this provider?

Matulka Insurance Agency has been providing insurance solutions in Dayton for more than two decades. Established in 1996, the company assists private residence owners and renters in choosing the right homeowners insurance policy that best suits their needs. Its licensed agents provide several carrier options that can cover structural damages, valuable losses, and the owner's liabilities against disasters and unwanted events. Other services include auto and personal insurance, life and health, and business policies. The company represents 10 insurance carriers in Ohio.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

7801 North Dixie Drive, Dayton, OH 45414

Expertise.com Rating

Review Sources

Google
4.9 (18)
Facebook
3.0 (2)
Yelp
3.0 (2)

Why choose this provider?

Community - Shirley Insurance is an independent insurance agency providing homeowners' insurance to residents of Dayton. Its homeowners' insurance policies provide dwelling coverage, personal property coverage, and sewer and drain coverage. Clients may also avail of insurance discounts, such as the multi-policy discount, the advanced quote discount, and the fire, burglary alarm, sprinkler system credit. Other property insurance products, like flood coverage and renters insurance, are also available. Community - Shirley Insurance has been providing insurance solutions since 2009.

  • Renter's Insurance
  • Personal Property Insurance
  • Flood

Dayton, OH

Expertise.com Rating

Review Sources

Google
4.8 (17)

Why choose this provider?

Wiles Insurance Agency Ltd. assists people who are looking for homeowners insurance in Dayton. It sells policies that cover for repair or replacement costs if properties take damage, and it also offers liability coverage options that help to protect clients from financial losses if any guests are harmed on their properties. Wiles Insurance Agency Ltd. enables clients to make custom plans that offer the specific coverage that they need. Business insurance is available.

  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

3794 Dayton-Xenia Road, Beavercreek, OH 45432

Expertise.com Rating

Review Sources

Facebook
4.5 (24)

Why choose this provider?

Eastside Insurance Agency Inc. sells homeowners insurance policies to clients throughout the Dayton metro area and offers complete assistance to clients as they shop for rates and purchase policies. It offers a variety of plans that cover different levels of liability. Coverage is available for dwellings and contents as well as additional structures on land. Eastside Insurance Agency Inc. also sells liability coverage that pays on behalf of clients if they're sued for injuries related to their properties.

  • Personal Property Insurance

4550 Salem Avenue, Dayton, OH 45416

Expertise.com Rating

Why choose this provider?

American Casualty Insurance, LLC, is a firm that services residents around Dayton that need professional assistance in determining suitable insurance policies for their properties. The insurance agency helps homeowners through the process of settling claims for liabilities as well as losses and damages due to covered events such as theft and fire. American Casualty Insurance also works to secure coverage for personal items and additional living expenses. The firm additionally handles insurance matters for renters and vehicle owners.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

East Crescentville Road, West Chester Township, OH 45246

Expertise.com Rating

Why choose this provider?

Mark Redmond, State Farm Insurance Agent, serves the Dayton metro area and provides clients with comprehensive services to help them shop for and purchase homeowners insurance. This company insures both primary residences and other structures on properties and helps clients to itemize and insure a variety of individual items and valuables. Mark Redmond, State Farm Insurance Agent, also insures automobiles and small businesses. Life and health insurance services are available too, as is pet insurance.

  • Renter's Insurance
  • Personal Property Insurance
  • Condos

1625 Springhill Avenue, Kettering, OH 45409

Expertise.com Rating

Review Sources

Google
4.7 (22)
Facebook
5.0 (4)

Why choose this provider?

Spectrum Insurance, Inc., is an insurance company that has been serving the Dayton metro area and nearby localities for more than 25 years. Its independent agents provide customized homeowners' insurance policies for all types of residences, including single-family homes, condominiums, and apartments. The firm's homeowners' coverage includes property or dwelling coverage, personal property insurance, personal liability, medical coverage, and landlord protection. Other services include vehicle, property, life, and business insurance. The company represents top-rated insurance carriers in Ohio.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

1050 South Main Street, Dayton, OH 45409

Expertise.com Rating

Review Sources

Google
4.8 (20)
Facebook
3.0 (2)
Yelp
3.0 (2)

Why choose this provider?

Wagner Insurance Agency, Inc., is a full-service insurance company that has been serving Dayton and nearby areas for more than three generations. The firm provides customized homeowners insurance policies for private residences, condominiums, and apartments. Its licensed agents help customers in choosing the right coverage, including property or dwelling, personal belongings, personal liability, medical coverage, and additional living expenses. Other products include all types of personal, commercial, and specialty insurance policies. The company is a member of the Independent Insurance Agents Association.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
American Heritage Insurance Group
1305 West 1st Street, Springfield, OH 45504
NRK-Hogan Insurance
3639 Rigby Road, Miamisburg, OH 45342
McFall & Son Agency, Inc.
115 Linwood Street, Dayton, OH 45405
safeauto.com
4 Easton Oval, Columbus, OH 43219
Hosket Ulen Insurance Solutions
24 East Linden Avenue, Miamisburg, OH 45342
Ben Rader - State Farm Insurance Agent
8995 Cincinnati Dayton Road, West Chester, OH 45069
Matulka Insurance Agency
2262 County Line Rd, Beavercreek, OH 45430
Community - Shirley Insurance
7801 North Dixie Drive, Dayton, OH 45414
Wiles Insurance Agency, Ltd
Dayton, OH
Eastside Insurance Agency, Inc.
3794 Dayton-Xenia Road, Beavercreek, OH 45432
American Casualty Insurance, LLC
4550 Salem Avenue, Dayton, OH 45416
Mark Redmond - State Farm Insurance Agent
East Crescentville Road, West Chester Township, OH 45246
Spectrum Insurance
1625 Springhill Avenue, Kettering, OH 45409
Wagner Insurance Agency
1050 South Main Street, Dayton, OH 45409

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What are the typical risks that a homeowners' insurance policy covers in Dayton?

    Homeowners' insurance policies in Dayton cover typical hazards, including structural harm from occurrences like fires, windstorms, and hailstorms. The coverage also extends to theft leading to the loss of valuable items such as jewelry, electronic devices, and firearms. Moreover, these policies provide protection against complete home and personal possession loss through additional living expenses coverage.

  • What are the three key components that make up a standard home insurance policy in Dayton?

    A typical homeowners' insurance policy in Dayton consists of the declarations page, which outlines the insured elements, amounts, and start date of coverage, along with the associated premium. The policy booklet includes printed pages explaining coverage specifics and exclusions. Endorsements are distinct pages, often labeled with endorsement numbers, that modify or endorse specific aspects of the policy.

  • How can Dayton residents determine the optimal coverage amount required for their homeowners' insurance?

    Dayton residents can determine the optimal coverage amount for their homeowners' insurance by evaluating their individual situations, geographical positions, and distinct insurance needs. It is also advisable to consult an insurance agent who can analyze their conditions and propose appropriate coverage limits to protect their homes, possessions, and liabilities. Carrying out routine policy assessments is strongly advised.

  • What are the factors that can influence the cost of homeowners’ insurance premiums in Dayton?

    Insurance companies consider several key factors when determining the premium for Dayton residents’ homeowners’ insurance policies, including the location of their property. Other factors that can determine premiums include neighborhood crimes, the age of the homes, and the conditions and materials of the homes. Homeowners are advised to get quotes from multiple insurers to find the best coverage and premium for their specific situations.

  • What are some little-known facts about homeowners' insurance that Dayton residents should be aware of?

    Some lesser-known facts about homeowners' insurance that could be relevant to Dayton residents include the exclusion of sewer backup from standard policies. These policies also exclude coverage for damages resulting from surface water or water that moves beneath the ground. In certain cases, policies may default to providing compensation based on the actual cash value. This implies that if a homeowner bought a widescreen TV and home theater system for $1,000, the current value might be as low as $450.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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