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Fayette County, OH Homeowners Insurance Quotes

Are you shopping for homeowners insurance for your Fayette County OH home? We can help you find the best rates and coverage options available at GetHomeInsuranceQuotes.com. We provide up to 12 comparison quotes from the most competitive top-rated home insurance companies available in Ohio. Our agents specialize in the best rates for Fayette County and have over 20+ years of experience. We are ready to help you take advantage of our free consulation so you can review the most affordable home policies available, with the best dwelling and liability coverage plans. Protecting your home from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy is limited to, ask our agents what coverage is the right fit for you. We have a variety of options to choose from to make sure your home and family are safe.

Average Rates in Fayette County

Did you know the average home insurance premium for the state of Ohio is $871 a year. That's $72.58 a month in home insurance cost. Now depending on if this average premium is higher or lower than what you are currently paying, it's also smart to keep in mind who your current insurance carrier is and what type of coverage you currently have available for your home in Fayette County. We can help you save up to 40% by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in Fayette County OH. Simply give us a call now at 1-855-976-2656

For all Fayette County, OH residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Fayette County? Simply enter your zip code to get your Ohio homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Fayette County, OH Housing Demographics

With 29,030 residents living within the Fayette County area there are over 12,693 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 7,834 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Fayette County.

DemographicValues
Total Occupied Households11,436
Family Households (families)7,834
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units12,693

Fayette County, OH Home Insurance Average Premiums

Local Fayette, OH homeowners insurance quotes comparison

$704 /yr.

Ohio's Average Home Insurance Rates Overall

For the state of Ohio, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 45 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$523 /yr.
Current Average Cost:$704 /yr.
Maximum Range:$874 /yr.

Ohio Homeowners Insurance News & Information

  • What happens to my mortgage if my homeowners policy gets cancelled? Posted on Thursday 18th July, 2024

    As more and more insurance companies stop writing policies in certain markets or cancel existing policyholders they find too big of a risk, homeowners are finding their policies cancelled or non renewed. While a cancelled policy is a shock, it doesn’t mean you need to panic.  Following is a brief overview of what to do […]

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

    While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

Discounts For Homeowners in Fayette County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Ohio homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Fayette County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Fayette County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Fayette County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Fayette County Housing & Real Estate Data

Details:Statistics
Total Housing Units12693
Occupied Housing Units11436
Vacant Housing Units1257
Vacant Housing Units for Rent385
Vacant Housing Units Rented Not Occupied7
Vacant Housing Units For Sale257
Vacant Housing Units Sold Not Occupied71
Vacant Housing Units For Seasonal Occasional Use38
Vacant Housing Units All Other Vacants499
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units11436
Housing Tenure Occupied Units Owner Occupied7231
Housing Tenure Occupied Units Owner Occupied Population18023
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied4205
Housing Tenure Occupied Units Renter Occupied Population10414
Housing Tenure Occupied Units Renter Occupied Average Household Size2