The top-rated condo insurance agent in Kettering, Ohio is Becki Taylor - State Farm Insurance Agent, rated 4.9 stars across 253 reviews. Other highly rated options include Eric Evans - State Farm Insurance Agent, Rathweg Insurance Associates, Inc., Farmers Insurance - James Berlon. This directory lists 12 condo insurance agents serving Kettering.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Becki Taylor - State Farm Insurance Agent | 215 E Stroop Rd | (937) 438-3400 |
| 2 | Eric Evans - State Farm Insurance Agent | 1649 E Stroop Rd | (937) 298-1011 |
| 3 | Rathweg Insurance Associates, Inc. | 2212 S Patterson Blvd | (937) 296-9393 |
| 4 | Farmers Insurance - James Berlon | 3560 N Marshall Rd Ste 2 | (937) 297-0218 |
| 5 | Robert K. Jones Insurance Agency, LTD. | 3809 Wilmington Pike #100 | (937) 294-2600 |
| 6 | Spectrum Insurance Agency | 1625 Springhill Ave | (937) 643-0081 |
| 7 | Finch Insurance Agency | 3058 Woodman Dr | (937) 583-6100 |
| 8 | Walt Kremer Insurance | 4080 Marshall Rd | (937) 298-0105 |
| 9 | Simpkins-Dellis Insurance Agency | 3970 Shroyer Rd | (937) 294-2724 |
| 10 | Farmers Insurance - Stephen Gross | 28 E Rahn Rd #101 | (937) 439-1136 |
Becki Taylor - State Farm Insurance Agent serves the Kettering, OH area as a dedicated condo insurance agent. This agency provides personalized coverage options designed specifically for condominium owners, addressing the unique needs of those living in association-managed communities. Clients receive assistance in protecting their personal property, interior structures, and liability risks that may not be covered by a condo association’s master policy. The agency handles typical services such as securing coverage for personal belongings and arranging loss assessment protection for shared community areas.
Eric Evans - State Farm Insurance Agent in Kettering, OH, provides comprehensive coverage options for condo insurance needs, including protection for personal property and liability. The agency assists with customizing policies that address condo association requirements and individual unit concerns. Clients may discuss deductible adjustments and additional endorsements to enhance their coverage. Regular policy reviews are offered to keep plans aligned with changing needs. The agency services single-family homes, apartments, retail, and restaurants.
Rathweg Insurance Associates, Inc. serves condo owners and building associations in Kettering, Ohio, by providing specialized condo insurance policies that protect individual units and common areas. The agency assists clients in understanding standard coverage options and navigating the specific insurance requirements for condominium living. It also offers guidance on loss assessment protection and personal liability for policyholders. The company further extends its services to property managers throughout the Dayton metro area, including nearby communities such as Centerville.
For condo owners seeking insurance, a key distinction exists between a one-time policy quote and an ongoing service relationship with an agent. Farmers Insurance - James Berlon in Kettering, OH, handles both immediate coverage needs and the longer-term review of your policy. Condo insurance typically protects your personal property, interior fixtures, and provides liability coverage for your unit. Service can run on a one-time, scheduled, or as-needed basis, with the agent adjusting based on your renewal cycle or policy changes.
Based in Kettering, Ohio, Robert K. Jones Insurance Agency, LTD. serves clients throughout Kettering and the surrounding Dayton metro communities. As a condo insurance agent, it handles policies that protect both interior structures and personal belongings within individual units. The agency also manages the liability coverage pathways that are separate from a building’s master policy. Approaching each assignment by first reviewing the unique terms of the client’s specific association bylaws, it then carefully matches available policy options to close any unexpected gaps in protection.
Spectrum Insurance Agency specializes in matching condo owners with appropriate coverage for individual unit interiors and personal liability. It further assists clients with general property insurance needs, including protection for possessions and loss assessment endorsements. Adjusting a policy when a homeowner transitions from a primary residence to a rental property is a specific situation it helps Kettering residents manage.
Finch Insurance Agency provides comprehensive insurance services to property owners in Kettering, OH. The company specializes in tailored condo insurance policies that address the unique coverage needs of individual unit owners within homeowners association structures. It helps clients protect personal belongings, interior fixtures, and liability exposures that may not be covered by a master policy. Finch Insurance Agency can serve commercial sectors including offices, warehouses, and food service operations with appropriate business insurance solutions.
When winter ice or spring storms threaten property in Kettering, OH, unit owners need practical guidance on condo insurance protection. Walt Kremer Insurance serves as a local condo insurance agent in the area, helping residents understand their policy coverage and possible liability exposures within their homeowners association framework. They focus on matching individual needs with suitable condo insurance plans that address interior structures and personal belongings. The entire process begins with a thorough assessment of the client’s current unit situation and insurance requirements during a personal initial consultation.
Simpkins-Dellis Insurance Agency serves Kettering, OH, providing residential condo insurance to local owners. Commercial coverage is also available for condominium associations and related business properties throughout the greater Dayton area. Their agents help policyholders assess building and personal property protection needs, including liability and loss assessment coverages common to shared-wall living. They follow up after each adjustment or renewal, ensuring clients receive clear explanations before additional changes are discussed during the next regular coverage review.
Farmers Insurance - Stephen Gross is a condo insurance agency serving Kettering, Ohio. The agency works with condo owners in the area to secure coverage tailored to individual unit policies and master association requirements. Policies typically address interior structures, personal property, and liability exposures common to condominium living. Registered clients may request risk reviews to adjust limits as personal circumstances change. For those needing broader asset protection beyond typical dwelling coverage, the office can add on scheduled personal property endorsements for high-value items such as jewelry or electronics.
What Does a a Condo Insurance Agent in Kettering Cost?
Condo insurance in Ohio typically costs between 200 and 600 dollars per year for a standard HO-6 policy. Factors affecting cost include your unit value, location in Kettering, deductible amount, and coverage limits for personal property and loss assessment. Premiums may be higher if you add flood or earthquake endorsements. This is general information and not insurance advice.
About condo insurance agents in Kettering
Condo insurance agents in Kettering Ohio help you understand the specific coverage needed for your unit under Ohio law. Ohio Revised Code section 5311.09 requires condo associations to maintain master policies, but individual unit owners need their own HO-6 policy for interior improvements and personal liability. A local agent can explain how these requirements apply to your Kettering condo.
Frequently Asked Questions
What does a condo insurance agent in Kettering do?
A condo insurance agent helps you find an HO-6 policy that covers your personal property, interior walls, and liability. They review your condo association master policy to identify gaps in coverage. This ensures you are not underinsured for Ohio specific requirements.
Is condo insurance required by law in Ohio?
Ohio law does not require individual condo owners to carry insurance. However your condo association bylaws or mortgage lender may require you to have an HO-6 policy. Many Kettering associations set minimum coverage amounts in their governing documents.
How does Ohio law affect condo insurance coverage?
Ohio Revised Code section 5311.09 requires condo associations to insure common areas and the building structure. Your personal HO-6 policy covers interior improvements like cabinets and flooring. An agent can help you match your coverage to the associations deductible and your unit value.
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