Tornado and wind
The 2019 Memorial Day outbreak is the reference event for every carrier in the valley. Roof age, roof material and whether the house has a documented replacement date change the premium more than anything else.
Dayton Homeowners Insurance
Compare & Save on Homeowners Insurance in Dayton
Find the best rates from the best companies. Tell us about your house — we'll show you what multiple carriers would write it for.
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What we insure
If it's on your property, we can write it
Single Family Homes
Duplex & Triplex
Cars & Trucks
RVs
ATVs
Liability Policies
Why choose us
An agent who knows your block, not just your ZIP
- Personalized Coverage — Plans tailored to your Miami Valley house — Kettering, Centerville, Oakwood, and Beavercreek all in our wheelhouse.
- Affordable Rates — Quality coverage at competitive prices from carriers who actively write Montgomery, Greene, and Miami counties.
- Trusted Expertise — Our agents understand the Miami Valley's storm corridor, hail exposure, and the carriers that price them honestly.
- Help at Claim Time — When a severe storm rolls through, you want an agent who already knows your policy.
Local knowledge
The Miami Valley, after the tornadoes
On the night of May 27, 2019, an outbreak of more than a dozen tornadoes crossed the Dayton area in about two hours. Brookville, Trotwood, Northridge, Riverside and Beavercreek took direct hits; more than 6,000 properties in Montgomery, Greene and Miami counties were damaged and all three were declared federal disaster areas. Every carrier that writes the Miami Valley re-priced its wind exposure after that night, and roof age is now the first question on every Dayton quote.
The older story is water. The Great Miami River flood of March 1913 killed more than 300 people in the valley and led to the Miami Conservancy District, whose dams and levees have protected Dayton, Huber Heights, Moraine and Miamisburg for a century. Even behind those levees a standard homeowners policy excludes flood, and we quote a separate policy for homes that need one.
Dayton Homeowners Insurance is written from the OAW Insurance office at 3533 Lesh Street NE, Canton, Ohio 44705 — the same independent agency behind every site in our Ohio network. We quote and service Miami Valley policies by phone and email; there is no walk-in office in Dayton.
Miami Valley communities we serve
- Dayton
- Kettering
- Oakwood
- Centerville
- Huber Heights
- Miamisburg
- Moraine
- Riverside
- Trotwood
- Englewood
- Beavercreek
- West Carrollton
What carriers price for around Dayton
Hail
The same storm corridor that produces tornadoes produces hail, and hail claims land on the roof and siding. Roof age, roof material and the deductible that applies to wind and hail are the lines to check on every quote.
Water behind the levees
The Conservancy District keeps the river out, which does not keep water out of basements. Sump-pump failure and sewer backup are endorsements, not standard cover, and they vary by carrier. Standard homeowners policies exclude flood damage; flood cover is a separate NFIP or private policy, and we quote it alongside the home policy.
Beyond the standard policy
Our Coverage Options
Flood Insurance
Protect your home from water damage due to flooding.
Learn more →Earthquake Insurance
Stay covered in case of seismic activity.
Learn more →High-Value Home
Additional protection for luxury homes and valuable assets.
Learn more →Rental Property
Coverage for landlords and rental properties.
Learn more →How it works
From ZIP code to covered, in four steps
Get a Free Quote
Answer a few taps about your home — about two minutes.
Customize Your Plan
Work with our experts to select the best coverage options.
Secure Your Policy
Complete the paperwork and activate your insurance.
Enjoy Peace of Mind
Rest assured knowing your home is fully protected.
FAQ
Frequently Asked Questions
What does homeowners insurance cover?
A standard policy covers your dwelling, other structures (like a detached garage), personal property, loss of use, personal liability, and medical payments to others. Specific limits and endorsements vary by carrier — that's what we're here to compare.
How much homeowners insurance do I need?
You should insure your home for its replacement cost — not the market value. We help calculate the proper coverage based on your home's size, materials, and local construction costs.
Is homeowners insurance required in Ohio?
It's not required by law, but mortgage lenders will typically require coverage before issuing a home loan.
Can I get a quote without a credit check?
We use a soft credit inquiry, which doesn't affect your score. Your credit helps determine risk, and in many cases, better scores mean lower rates.
How can I lower my homeowners insurance premium?
Bundle with auto, install safety devices (like security systems), raise your deductible, or maintain a claims-free history to save more.
Did the 2019 tornadoes change homeowners insurance prices in Dayton?
Carriers rate by territory and by loss history, and the Memorial Day outbreak was a billion-dollar event across Montgomery, Greene and Miami counties. What you can control is the roof: age, material and a documented replacement date are what move a Dayton quote today.
Do you have an office in Dayton?
No. Dayton policies are quoted and serviced by phone and email from our Canton office at 3533 Lesh Street NE; nothing about the quote requires a visit.
Ready to compare carriers?
Two minutes of taps, or one phone call — whichever you prefer.