Business Owners Policy (BOP) Insurance Agencies in Dayton, OH

Dayton at a glance

• 7business owners policy (bop) insurance agencies listed
• 51.6%of households rentRenters insurance
• $100,600median home valueHome insurance
• 1951median year homes were builtRebuild cost calculator
• 15.9%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Montgomery County

FEMA rates the overall natural hazard risk in Montgomery County, where most Dayton agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

• Ice stormVery High
• Strong windRelatively High

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Dayton
• HailRelatively High

  Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

  Home insurance in Dayton
• Inland floodingRelatively High

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance
• LightningRelatively High

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Dayton

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Ohio

Ohio requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in DaytonHow much liability cover do you need?

Source: insurance.ohio.gov. Checked 2026-10-24.

Where Dayton agencies are

Dayton agencies we list sit in 5 ZIP codes, mostly in Montgomery County.

• 454292 agencies
• 454592 agencies
• 454241 agency
• 454311 agency
• 454401 agency