Chillicothe has 21,902 residents in 9,783 households. We list 4 insurance agencies in Chillicothe. Here is what the local numbers say about the cover people here need.

Chillicothe at a glance

4insurance agencies listed
39.9%of households rentRenters insurance
$162,500median home valueHome insurance
1957median year homes were builtRebuild cost calculator
8.8%of households have no carAuto insurance
3.2%of homes are mobile homesMobile home 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 Ross County

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

LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Ohio

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 Ohio How much liability cover do you need?

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

Questions

Insurance agencies in Chillicothe

How do I find an insurance agency in Chillicothe?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Chillicothe?

FEMA's National Risk Index rates inland flooding risk in Ross County as Relatively Moderate compared with other U.S. counties. 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.

Do I need renters insurance in Chillicothe?

39.9% of households in Chillicothe rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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