Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Toledo

Our Recommended Top 19

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Toledo 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.

184Reviewed

118Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4394 N Adrian Highway, Adrian, MI 49221
WebsiteLicense: 19255187

Expertise.com Rating

Review Sources

Google
4.9 (35)
Facebook
5.0 (10)

Why choose this provider?

Cuccia Insurance Agency is an insurance service provider headquartered in Monroe. This independent agency serves individuals and businesses throughout Toledo and its surrounding areas. It offers a wide range of insurance policies, including home insurance for homeowners, condo owners, landlords, and renters. It also provides insurance coverage for detached garages, sheds, and other property structures. Company principal and co-owner Ignazio Cuccia has been in the insurance industry for over 25 years. The Cuccia Insurance Agency team is comprised of licensed agents and associate agents.

  • Life Insurance
  • Business Insurance
  • Auto Insurance
  • Multiple Carriers
  • Homeowners

Toledo, OH

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Why choose this provider?

Need help contacting a Homeowners Insurance Agency in Toledo? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

2416 West Laskey Road, Toledo, OH 43613

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Review Sources

Google
4.4 (26)
Facebook
3.7 (3)

Why choose this provider?

Dave Bly is a Toledo-based State Farm insurance agent that offers various insurance products including homeowners' insurance. Bly creates insurance policies for homeowners that include home replacement value coverage. The insurance plans also protect personal belongings that are kept in storage facilities and also cover personal property even when the policyholder is on vacation. Bly is a second-generation State Farm agent, and he has been working in the insurance industry for 40 years.

  • Renter's Insurance
  • Homeowners

3034 W Sylvania Ave, Toledo, OH 43613-4128

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Review Sources

Google
5.0 (15)

Why choose this provider?

Regan Insurance Agency is a family-owned independent insurance agency in Toledo. Since 1967, it has been offering individuals, families, and family businesses a variety of homeowners' insurance coverages to protect a property against natural disasters and other unexpected circumstances. The policies can also include personal property protection for the belongings inside the home. A team of insurance agents helps clients determine the most ideal policy depending on their needs. The agency also offers other coverage options including personal umbrella liability and renters' insurance.

  • Renter's Insurance
  • Homeowners
  • Multiple Policy Types

505 Main Street, Toledo, OH 43605
WebsiteLicense: 11385

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Review Sources

Google
4.7 (41)
Facebook
5.0 (2)

Why choose this provider?

Rezbanyay Insurance Agency has been protecting the residents of the Toledo area and the surrounding communities since 1979. It is an independent insurance firm that offers a range of plans and policies, including auto, motorcycle, business, homeowners, and renters. It also handles BMV issues, SR-22, and insurance bonds. The agency is committed to providing clients with the right protection, creating custom-built policies, and keeping their possessions safe. Rezbanyay Insurance Agency also guides clients on how to save.

  • Personal Property Insurance

5749 Park Center Ct, Toledo, OH 43615

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Review Sources

Google
4.3 (13)

Why choose this provider?

Park insurance Agency, Inc. Dba Park & Co Insurance is a home insurance agency active throughout the Toledo, Ohio, metro area. It assists clients in procuring home insurance policies by helping them to explore applicable coverage areas and shop for their most affordable rates. This agency primarily insures single family dwellings, but also provides condominium insurance. It also works with clients who are leasing property, providing renter's insurance policies for the protection of personal belongings.

  • Personal Property Insurance
  • Homeowners

5215 Monroe Street, Suite 2, Toledo, OH 43623

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Review Sources

Facebook
4.4 (12)
Google
4.5 (11)

Why choose this provider?

Great Lakes Insurance Partners caters to the residents of Toledo and the surrounding areas. The firm offers homeowners' insurance to clients looking to protect their biggest assets from calamities and other risks that property owners face. Other insurance products that it provides include flood, auto, and life coverages for individuals. Contractor, restaurant, and liability insurance policies are available for businesses. The company, founded in 2004, comprises insurance professionals with over 100 years of shared experience.

  • Renter's Insurance

7355 Lewis Ave Ste D, Temperance, MI 48182

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Review Sources

Google
4.8 (17)
Facebook
5.0 (3)

Why choose this provider?

Bret L. Hicks Insurance Agency is an independent insurance company in Temperance, Michigan, that sells home insurance and has been serving the Toledo, Ohio, metropolitan area since 1999. The agency provides homeowners with insurance protection against damage or loss to the dwelling and possessions on the premises as well as liability protection. Bret L. Hicks Insurance Agency provides a full line of service for both personal and business insurance needs in both Michigan and Ohio.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

316 N MICHIGAN ST #240, TOLEDO, OH 43604
WebsiteLicense: 1018721

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Review Sources

Facebook
5.0 (24)
Google
5.0 (12)

Why choose this provider?

SL & Associates is an independent insurance advisory firm that serves clients in Toledo and the neighboring areas. It offers a variety of asset protection insurance plans, including homeowners' insurance. It also provides auto, umbrella, key-person, disability, long-term care, and disability insurance options. SL & Associates has partnered with several insurance carriers, such as American Modern, Midland National, Penn Mutual, and Progressive. Principal partner Jonathan Smith holds a bachelor's degree in Finance and is a member of the Perrysburg Chamber of Commerce.

  • Homeowners

1265 North Dixie Highway, Toledo, OH 43460

Expertise.com Rating

Review Sources

Google
5.0 (284)

Why choose this provider?

Founded in 1936, Martin & Lark Insurance Agency is an independent company serving the Toledo metro. Its insurance specialists cater to individuals and families who want to obtain homeowners' policies. The agency offers excess liability, property damage, miscellaneous, off-premises theft, and additional living expense coverages. It also crafts insurance plans for fine arts, collectible cars, pieces of jewelry, and wine collections. Martin & Lark Insurance Agency received the Life Agency of the Year Award from Frankenmuth Insurance in 2020.

  • Homeowners

2741 Navarre Ave Ste 405, Oregon, OH 43616

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Why choose this provider?

Martin & Martin Agency Inc. is an insurance agency located in the Toledo, Ohio, metro area. Founded in 1935, it provides home protection solutions for homeowners in Lucas County and all surrounding counties. An insurance specialist helps clients determine the total cost of replacing their home and belongs to find the right amount of coverage at a fair rate. The agency also offers mobile home, earthquake, and flood policies through reputable carriers such as Grange Insurance, Hagerty, and Progressive.

  • Renter's Insurance
  • Earthquake
  • Flood

3454 Oak Alley Ct #106,, Toledo, OH 43606
WebsiteLicense: 1032169

Expertise.com Rating

Review Sources

Google
4.6 (141)
Facebook
4.8 (25)

Why choose this provider?

Gus Badra Agency is a team of insurance brokers that provides services to clients in Toledo and the surrounding areas. It helps clients find home insurance coverage from different companies as it uses an independent channel approach. Its policies would cover clients, their homes, families, and personal belongings from losses due to theft, personal injury, and water backup. In addition, it has other coverages for home insurance, such as earthquake damage and high-value items.

  • Homeowners

2330 Airport Hwy, Toledo, OH 43609

Expertise.com Rating

Review Sources

Google
4.5 (55)
Facebook
4.4 (12)

Why choose this provider?

Founded in 1952, Stoner Johnson Insurance Agency Inc. is an independent insurance agency serving customers in the Toledo, Ohio, metro area and in Michigan. Lee Stoner, the president of the agency has been a licensed insurance agent since 1976. Stoner Johnson offers home insurance policies from a variety of companies, and policies cover the physical structure and contents of homes in addition to other structures on a property. The agency also provides auto, boat, business, and life insurance.

  • Personal Property Insurance
  • Homeowners

111 N Reynolds Road, Toledo, OH 43615
WebsiteLicense: 46169

Expertise.com Rating

Review Sources

Google
4.9 (67)

Why choose this provider?

Rex Sims is an insurance professional who is affiliated with State Farm. He caters to individuals, families, and businesses in the Toledo metro and the surrounding areas. He offers homeowners' insurance plans, which can cover appliances, fire damages, repair costs, and vandalism. He also provides auto, disability, health, liability umbrella, and pet insurance policies. He and his team have been serving the community for more than 35 years. Sims holds a bachelor's degree in Business.

  • Renter's Insurance
  • Condos

2321 River Rd, Maumee, OH 43537

Expertise.com Rating

Review Sources

Google
5.0 (47)
Facebook
5.0 (14)

Why choose this provider?

Insurance Solutions is an independent insurance agency in Maumee, Ohio, that sells home insurance throughout the Toledo metro area. With over 15 years of experience, the agency offers homeowners insurance protection for the structure of their home, personal belongings, liability, and additional living expenses due to damage or loss from disasters, theft, or accidents. Additional coverage is available for landlords, renters, condominiums, and mobile homes. Insurance Solutions is an Ohio Insurance Agents Association member.

  • Personal Property Insurance
  • Homeowners

2007 N Holland Syl Road Suite 109, Toledo, OH 43615
WebsiteLicense: 1152892

Expertise.com Rating

Why choose this provider?

Rachel Beranek is a State Farm insurance agent who has been serving individuals, businesses, and families in Toledo since 2018. She assists homeowners in understanding and selecting from available coverage options, including losses from theft, vandalism, and fire. Also a financial counselor since 2015, Rachel carries a range of insurance solutions, such as health, life, and automobile insurance plans, and guides clients in achieving their financial goals. In addition, she helps her clients explore various banking products.

  • Homeowners

22 North Erie Street, Toledo, OH 43604

Expertise.com Rating

Review Sources

Google
5.0 (148)

Why choose this provider?

Knight Insurance Group is a Toledo-based insurance agency that has been servicing clients since 1859. It offers different property insurance coverages, including homeowners' insurance, which covers homeowners who live at a residence full time. The policy includes a wide range of property coverage, additional living expenses, and liability insurance. Moreover, the personal insurance category also encompasses renters', condo, and secondary home insurance coverages. The independent insurance agency partners with multiple carriers.

  • Multiple Policy Types

3421 N. Holland Sylvania Rd., Toledo, OH 43615
WebsiteLicense: 40558

Expertise.com Rating

Review Sources

Facebook
4.6 (22)
Yelp
5.0 (2)

Why choose this provider?

RBI Insurance Agency & Financial Services, LLC, is a locally owned and locally operated independent agency that serves clients throughout the community of Toledo and surrounding areas, including Maumee, Holland, and Sylvania. Since 2008, the agency has been providing various business, employee benefits, and personal insurance products, such as annuities, homeowners', employee assistance plans, builder's risk, and general liability insurance. Through partnering with multiple financially stable insurance companies, its team of agents compares these carriers and creates a custom-made insurance plan for its clients.

  • Renter's Insurance
  • Homeowners

1856 Holloway Road, Holland, OH 43528
WebsiteLicense: 1703372

Expertise.com Rating

Review Sources

Facebook
4.9 (70)
Google
4.8 (34)

Why choose this provider?

The Florian Insurance Agency serves the financial security needs of people throughout the Toledo metro. It offers homeowners' insurance to help protect residents' homes and assets. The 5-generation, family-owned agency has been providing services using a family-style approach since 1907. With years of industry experience and a wide knowledge base, its licensed advisors explain complex insurance terms to clients, assess their particular needs, and match them with insurance companies that fit their requirements. Its partner carriers include Progressive, Grange Insurance, and The Cincinnati Insurance Companies.

  • Fire
  • Homeowners

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.
  • If you don't have homeowners' insurance in Toledo, what can possibly happen?

    Failing to purchase the required coverage for your mortgage in Toledo will result in defaulting on your mortgage contract. If you buy homeowner's insurance but cease paying premiums, your insurance company will notify your lender, who will then demand that you settle the missed payments. Failure to make these payments may result in home foreclosure. If you paid off your mortgage or purchased your home with cash, not having homeowners insurance exposes you to risks like floods, thefts, fires, and vandalism.

  • What are the most common types of coverage for home insurance in Toledo?

    Homeowners insurance in Toledo covers your home's structure, personal belongings, liability protection, and additional living expenses.

    • Home structure insurance covers repair costs for damages. Your policy encompasses specific types of damage, which include fire or lightning.
    • Liability protection comes in handy if someone gets injured in your home. This coverage protects against third-party claims for liability up to a set amount.
    • Personal belongings coverage protects your possessions if they are stolen or damaged.
    • Additional living expense coverage helps if your home becomes uninhabitable due to damage or destruction.
  • Is homeowners' insurance required by law in Toledo?

    No. Note, however, that according to the General Assembly of the State of Ohio, a lender has the legal right to require clients to purchase homeowners' insurance. This statute covers Toledo and the rest of the state. Other conditions also apply to this law. For instance, a lender is prohibited from requiring homeowners to buy insurance coverage that "exceeds the replacement value of the dwelling and its contents." Additionally, a lender cannot mandate that you purchase coverage from a specific insurer.

  • In Toledo, how much is the average cost of homeowners' insurance?

    The median price of a homeowners' insurance premium in Toledo and the rest of Ohio is $874, based on the Insurance Information Institute. Several factors affect insurance premiums, such as:

    • Size: The bigger the home, the higher the premium.
    • Building expenses in your area: These include the type of building, the materials used, and any extra features.
    • Your house's location: City crime rates, particularly near your home, might affect your rates.
    • Possible natural disasters: The area around your house may be more susceptible to natural calamities like storms or tornadoes.
  • How does one file a homeowners' insurance complaint in Toledo?

    Call your homeowners' insurance provider first, explain your situation, and ask for a written answer to your complaint. If the issue is still unresolved, contact the Consumer Services Division at the Ohio Department of Insurance by calling 1-800-686-1526 toll-free. Toledo citizens may also lodge a formal complaint online by filling out the complaint form at https://gateway.insurance.ohio.gov/UI/ODI.CS.Public.UI/Complaint.mvc/DisplayConsumerComplaintForm. Alternatively, you may send a written complaint to the Ohio Department of Insurance, Consumer Services Division, 50 West Town Street, Third Floor/Suite 300, Columbus, OH, 43215.

  • 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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