Renters Insurance in Springboro, Ohio
Protect everything you own—for less than the cost of a weekly latte. Bucklew Insurance offers tailor-made renters policies that start under $10 per month. Ready to see your price? Call 937-550-9596 or hit “Get My Free Quote.”
Why Springboro Tenants Need Renters Coverage
Your landlord’s policy doesn’t protect your stuff. Furniture, electronics, and clothing are on you.
Average local rent tops $1,534 per month; replacing everything after a fire or theft could cost years of rent.
About 1 in 160 Springboro residents experiences a property crime each year.
Liability claims happen. A guest slips, or your candle sparks a kitchen fire—liability limits cover legal bills and damages.
What Does Renters Insurance Cover?
Every policy we write includes:
Personal property ( $10k-$200k)
Personal liability ($100k – $500k)
Loss-of-use (hotel & meal costs if your unit is unlivable)
Medical payments to others ($1k – $5k)
How Much Does Renters Insurance Cost in Ohio?
The statewide average is about $302 per year—roughly $25 per month for a policy with $50k property coverage and $100k liability. Your exact rate depends on location, building type, claims history, and deductibles.
Ways to Save
Bundle renters + auto and save
Choose a higher deductible ($500 → $1,000)
Maintain a claim-free history
Why Choose Bucklew Insurance?
Local—family-owned in since 2018
Top rated carrier, AM Best A+ Superior
Fast claims advocacy—we stay with you from incident to payout
Ready to learn more?
Fill out the quote form now and we’ll connect shortly to review coverage choices and secure top-tier protection at the right price.
FAQ
Is renters insurance required by law in Ohio?
Ohio statutes don’t mandate it, but a landlord can—and often does—make proof of coverage a lease condition.
How much personal-liability coverage should I carry?
Most carriers start at $100,000, but experts suggest matching your net worth—often $300,000 to $500,000—to reduce lawsuit exposure if someone is injured in your unit.
What’s the best way to document my possessions before a loss?
Complete the Ohio Department of Insurance’s free Home Inventory Checklist or app and store photos/receipts in the cloud; doing so speeds claim settlement dramatically.
What deductible makes sense for renters insurance?
Common deductibles are $500 or $1,000. Choose a level you could comfortably pay tomorrow; higher deductibles lower your premium but raise out-of-pocket costs at claim time. Some carriers let you go as low as $250 or as high as $2,500.
Does my policy cover pet-related liability?
Most policies include liability for dog bites or other pet-caused injuries, up to the liability limit. Certain breeds or exotic pets may be excluded, so confirm with your agent and consider supplemental pet-liability coverage if needed.
Should I choose Replacement Cost or Actual Cash Value coverage?
Replacement Cost pays today’s full retail price to replace stolen or damaged items; Actual Cash Value (ACV) subtracts depreciation, leaving you to cover the gap. Because electronics and furniture depreciate quickly, most tenants opt for Replacement Cost even though premiums are slightly higher.