Ingram Insurance is Dayton’s trusted independent insurance agency — a local, relationship-driven team committed to protecting families, homeowners, landlords, investors, drivers, and business owners across the Miami Valley. Located at 733 Salem Ave in Dayton, Ohio, the agency provides personalized Home, Auto, Life, Rental Property, Umbrella, and Business Insurance solutions backed by experience, honesty, and community-rooted service. As a fully independent brokerage, Ingram Insurance shops multiple carriers to find the right balance of coverage and affordability for every client.

Ingram Insurance — Dayton, Ohio

Name: Ingram Insurance Group
Address: 733 Salem Ave, Dayton, Ohio, 45406, United States
Telephone: (937) 741-5100

Your Local Independent Insurance Agency

Choosing the right insurance agency matters — especially in a state like Ohio, where weather risks, roof age rules, water backup losses, and property conditions can dramatically impact your coverage. Ingram Insurance stands out because the team doesn’t just write policies; they explain them, compare options, identify gaps, and guide clients through the complex world of insurance with clarity and transparency.

Clients consistently choose Ingram Insurance for its responsiveness, practical advice, and industry insights. The agency’s service philosophy centers on education and empowerment — helping homeowners avoid the most common errors described in 5 Common Home Insurance Mistakes Ohio Homeowners Make, improve long-term protection, and understand the real risks that affect Dayton properties.

Why Independent Agents Outperform Corporate Carriers

As an independent insurance agency, Ingram Insurance is not tied to one provider. That means the team can compare pricing, coverage options, and underwriting guidelines across multiple carriers — especially important in Ohio, where roof age, replacement cost disparities, and local underwriting rules create unpredictable pricing.

Independent agents provide:

Better coverage matching by comparing multiple companies
Better value by avoiding one-size-fits-all plans
Long-term support including policy reviews and rewrite opportunities
True advocacy at claim time
Local expertise in Dayton’s housing stock and risk areas

To understand why independent agencies matter, see Ingram’s guide:
Why Everyone in the Miami Valley Should Work With an Independent Insurance Agent.

Homeowners Insurance — Protecting Dayton’s Homes

From historic homes in Grafton Hill to mid-century ranches in Kettering and new construction in Washington Township, Dayton’s housing stock is diverse — and each home brings its own unique insurance needs. Ingram Insurance provides customized homeowners insurance solutions that address Ohio’s biggest claim triggers: wind and hail, storm damage, water backup, electrical failures, aging roofs, and liability exposures.

For a deeper look at the biggest risks affecting the region, explore these guides:

Ingram Insurance specializes in helping homeowners understand the difference between market value and replacement cost — a topic covered extensively in:
Ohio’s Housing Dilemma.

Neighborhood Guides for Home Insurance Clients

Every Dayton neighborhood carries unique risks — tree density, roof ages, soil types, sewer systems, home ages, and weather patterns. Ingram Insurance helps homeowners understand these dynamics through in-depth community guides:

Landlord & Rental Property Insurance — A Dayton Specialty

Dayton is an investor-friendly market, attracting both local and out-of-state landlords who need reliable protection for their rental portfolios. Ingram Insurance is one of the region’s most landlord-focused agencies, offering deep experience in:

Single-family rentals
Duplexes & multifamily homes
Section 8 properties
Airbnb & short-term rentals
Vacant properties
Properties undergoing renovation

Investors often come to Ingram after discovering they’ve been carrying the wrong type of policy — a common issue explored in
Understanding Rental Property Insurance.

Essential Landlord Resources

Landlords who invest in older Dayton homes also face issues like chipping paint and outdated systems — explored in
Why Chipping Paint Causes Insurance Problems.

Auto Insurance — Protection for Ohio Drivers

Ingram Insurance helps drivers find the right mix of liability, full coverage, medical payments, uninsured motorist protection, roadside assistance, and rental reimbursements. With rising auto insurance rates across Ohio, having an independent agent shop multiple carriers is more important than ever.

The agency also helps renters bundle home & auto for savings, as described in
Why Renters Should Bundle Auto Insurance.

Life Insurance — Simple Protection for Families

Life insurance doesn’t need to be complicated. Ingram Insurance helps families protect income, mortgages, and long-term financial stability with term life, whole life, and hybrid life insurance options.

Life insurance topics often overlap with:

Business Insurance — For Dayton’s Contractors, Trades, and Small Businesses

Dayton’s small business community depends on strong liability protection, workers’ compensation, commercial auto coverage, and property policies. Ingram Insurance serves contractors, restaurants, retail shops, real estate investors, and service providers with affordable, high-quality commercial insurance.

Essential Contractor Resources

Small businesses can also explore commercial risks in
The Ohio Contractor Insurance Guide.

Historic Homes, Million-Dollar Homes, and Specialty Coverage

Dayton has some of the most architecturally unique older homes in the Midwest — from the Grafton Hill and Dayton View mansions to Oakwood’s pre-war homes and modern estates in Washington Township. These properties need detailed coverage reviews, especially when replacement cost exceeds $750,000.

See:

Short-Term Rentals, Vacant Homes & Investment Properties

Ingram Insurance works extensively with real estate investors, helping them navigate the risks discussed in:

Seasonal, Weather & Environmental Risk Guides

Claims Support & Policy Reviews

Insurance claims can be confusing — especially when adjusters request documentation or coverage is unclear. Ingram Insurance helps clients through the claims process by offering explanations, recommendations, and support. Clients also receive periodic policy reviews to ensure coverage remains accurate as homes, neighborhoods, and market values change.

For guidance, see:
Your Insurance Policy Review Guide.

Serving All of Dayton and the Miami Valley

Ingram Insurance proudly serves:

Dayton
Oakwood
Kettering
Centerville
Miamisburg
West Carrollton
Beavercreek
Englewood
Trotwood
Riverside
Huber Heights
Yellow Springs
And all of Montgomery, Greene, and Miami Counties

Contact Ingram Insurance

Address: 733 Salem Ave, Dayton, OH 45406
Phone: (937) 741-5100
Email: contact@insuredbyingram.com
Website: www.insuredbyingram.com

Why Ingram Insurance Belongs at the Top of Your List

Whether you’re buying a home, protecting your family, securing your investments, or safeguarding your small business, Ingram Insurance delivers the honesty, expertise, and personalized care that big-box agencies simply cannot match. With an ever-growing library of educational resources and neighborhood-specific insurance guides, Ingram Insurance is committed to helping Dayton residents make informed, confident decisions.

This is more than an insurance agency — it’s a long-term partner for your home, your family, your business, and your financial security.

How the Ingram Insurance Process Works

Insurance can feel overwhelming if you are only contacted when something is due or when a premium suddenly jumps. Ingram Insurance takes a different approach by following a simple, repeatable process for every new client. That process is designed to reduce guesswork, uncover hidden gaps, and create a long-term strategy for your coverage instead of a quick, one-time transaction.

The first step is a conversation. The agency starts by asking questions about your home, vehicles, family, income, business interests, and long-term plans. This is not a script; it is a guided discovery based on real-world claim experience and the patterns described throughout the Ohio Insurance FAQ. The goal is to understand how you live, what you own, and what risks could realistically disrupt your life.

Once the team understands your situation, they gather quotes from multiple carriers. For homeowners, that might mean seeing how different companies treat older roofs, finished basements, wood-burning fireplaces, or claims history. For landlords, it may mean comparing how carriers handle vacant periods, loss of rents, cosmetic damage, or properties with older wiring and plumbing. For contractors, it often involves aligning general liability, tools and equipment coverage, commercial auto, and workers’ compensation requirements under one coherent plan.

The third step is review. Instead of simply emailing a quote and hoping you sign, Ingram Insurance sets aside time to walk through coverage line by line. The team explains deductibles, endorsements, exclusions, and optional add-ons such as service line coverage, extended replacement cost, sewer backup protection, or umbrella liability. This is where clients often realize how much they did not know about their prior policies and why certain cheap quotes create big long-term risks.

From there, the agency handles implementation, paperwork, and cancellations of prior policies as needed. New clients are not left on their own once a policy is issued. Ingram Insurance diarizes renewal reviews, checks for major carrier changes, and remains available for real-time questions when life events happen — new vehicles, teenage drivers, home purchases, refinances, business growth, or portfolio expansion.

Real-World Examples From Dayton Clients

The best way to understand the value of an independent agency is to look at real, practical examples. While individual client details are kept private, the patterns are common across Dayton. These stories mirror the scenarios explored in resources like Top Reasons Claims Get Denied and The Complexities of Insurance for Real Estate Investors.

Case Study #1: First-Time Homebuyers in Belmont

A young couple buying their first home in Belmont initially called with a quote from an online carrier that looked inexpensive on the surface. When the team at Ingram Insurance reviewed it, they noticed the roof was being rated as “actual cash value” only, the water backup coverage was missing, and the personal liability limits were low. The quote also assumed a higher deductible than the couple realized. By restructuring the coverage with a different carrier, Ingram Insurance was able to include full replacement cost on the roof, add water backup coverage for the basement, increase liability, and keep the premium reasonable. That couple later used Ingram’s article on winterizing their home to prevent seasonal damage.

Case Study #2: Landlords Facing Nonrenewal on Older Properties

Several Dayton landlords reached out after receiving nonrenewal notices on older rental properties due to roof age, chipping paint, or prior claims. Ingram Insurance stepped in to restructure the portfolio using a mix of dwelling fire policies and specialized landlord carriers more comfortable with older housing stock. By leaning on the same underwriting logic discussed in The Dayton Insurance Squeeze and The $10,000 Vacant Property Mistake, the agency helped these investors avoid coverage gaps and maintain lender compliance while planning for future repairs.

Case Study #3: A Growing Contractor Needing to Get “Audit-Proof”

A small trades business in the Dayton area grew quickly, adding employees, vehicles, and larger jobs almost overnight. Their original policy was not designed for that scale and left major gaps in workers’ compensation and hired and non-owned auto liability. Ingram Insurance rebuilt the program around the principles described in Navigating Contractor Insurance in Dayton and Workers’ Compensation Rules for HVAC Contractors. By aligning payroll classifications, certificates of insurance, and contract requirements, the business owner became more “audit-proof” and better positioned to land larger commercial jobs.

Deep Roots in Dayton’s Neighborhoods and Community

Ingram Insurance is not just an agency on Salem Ave — it is part of Dayton’s broader story of renewal, investment, and community pride. The team pays attention to the same issues covered in Dayton-focused essays like How Gem City Market Is Changing West Dayton and Dayton’s Trash Problem and the Hope for Renewal. Insurance may be the product, but the work is really about protecting people and places as neighborhoods grow, clean up, and reimagine their futures.

The agency regularly works with homeowners and landlords near the Salem corridor, downtown, the Oregon District, and the ring of legacy suburbs like Kettering, Riverside, and Trotwood. Many clients discover Ingram Insurance after reading lifestyle pieces such as Best Coffee Shops in Dayton, The Heart of Oakwood, Life in Kettering Parks, or The Beauty of Cox Arboretum. Those same readers often circle back with practical questions about how to protect the homes and investments they love.

Ingram Insurance also highlights why the wider Miami Valley is such a compelling place to live, as reflected in Why the Miami Valley Is a Great Place to Live. The agency’s commitment to West Dayton, historic neighborhoods, and emerging corridors is rooted in a belief that insurance should support—not hinder—responsible redevelopment.

Specialty & Emerging Insurance Topics

Insurance is changing quickly, and Ingram Insurance is intentional about staying ahead of the curve. Beyond standard home and auto coverage, the agency regularly analyzes trends in digital assets, home-based businesses, remote work, church and nonprofit risk, and niche property types.

Curious homeowners and investors can explore forward-looking topics like:

The agency also keeps an eye on how infrastructure, transportation, and city planning intersect with coverage and liability, as discussed in Bike Lanes in Montgomery County and How Fire Protection Classes Impact Rural Insurance.

For history-minded Dayton residents, Ingram Insurance has even explored what landmarks like the National Museum of the U.S. Air Force teach about risk management and asset protection in What the Air Force Museum Can Teach Us About Protecting Valuable Assets.

Frequently Asked Questions About Insurance in Ohio

Because insurance touches everything from housing and transportation to employment and investing, clients often bring the same core questions to Ingram Insurance. Many of those questions are answered in depth inside the Ohio Insurance FAQ, but below are a few highlights.

“Why did my home insurance premium go up even though I never filed a claim?”

Premium increases can be driven by construction costs, severe weather patterns, carrier losses across Ohio, changes to your roof age, or past claims on the property—even if those claims are from a prior owner. Articles like Ohio Cost of Ownership 2025 and What Dayton Homeowners Should Know Before Switching Insurance break down how all these pieces fit together.

“Is sewer or sump backup really that important?”

Yes. In older parts of Dayton, Oakwood, Kettering, and Centerville, sewer and sump backup is one of the most common uncovered losses when homeowners carry bare-bones coverage. Ingram Insurance routinely recommends reviewing the limits and triggers described in Sewer & Sump Backup in Dayton and Do I Need Sewer Backup Coverage?.

“Do I need umbrella insurance?”

For many households, the answer is yes — especially when there are teen drivers, rental properties, pools, trampolines, or significant assets to protect. Umbrella policies are often discussed alongside neighborhood-specific risk in high-value areas such as Oakwood and Woodbourne-Hyde Park. The question is not whether you are “rich,” but whether a liability claim could derail your financial plan.

“How does insurance work for home-based businesses or remote workers?”

Standard homeowners policies are not designed to cover business equipment, client visits, or professional liability exposures from a home office. Ingram Insurance uses the framework outlined in Home Office & Remote Work Insurance to help clients decide when to add endorsements, business policies, or commercial packages.

“What should real estate investors do differently with insurance?”

Real estate investors must think about coverage through the lens of lenders, tenants, contractors, and tax planning. Articles like The Complexities of Insurance for Real Estate Investors and Best Home Insurance in Dayton, Ohio offer a roadmap for building durable, lender-ready insurance strategies that still make sense economically.

Is Ingram Insurance the Right Fit for You?

Not every person is looking for the same level of advice. Some shoppers truly only want the cheapest possible policy and do not care about coverage gaps, claim experience, or long-term planning. Ingram Insurance is designed for a different kind of client — the homeowner, landlord, business owner, or family that wants to understand what they are buying, why it matters, and how to adjust coverage as life changes.

You might be a great fit for Ingram Insurance if you:

Own a home in Dayton or its suburbs and plan to stay for several years
Invest in rental properties or multifamily units and want a long-term partner
Operate a contracting, trades, or local service business that needs reliable certificates and compliance
Value education, transparency, and practical advice over fast, anonymous quotes
Care about Dayton’s future and want to work with a local agency that does too

When you call, email, or submit a form, you are not routed to a rotating call center. You are connecting with a focused, growing team that knows the streets, neighborhoods, and risks of the Miami Valley. That local knowledge, combined with a steadily expanding library of resources — from insurance lessons from Dayton’s Pine Club to coverage for landscaping and hardscape contractors — is what sets Ingram Insurance apart.

If you are ready for a long-term relationship with an agency that treats insurance as both protection and strategy, Ingram Insurance is ready to help.

Additional Frequently Asked Questions

“How much homeowners insurance do I actually need in Ohio?”

In Ohio, your home should be insured for its replacement cost — not its market value. Replacement cost is what it would take to rebuild your home with today’s labor and material prices, which is why a $180,000 Dayton home often needs $300,000–$400,000 in dwelling coverage. Homes in Oakwood, Centerville, Kettering, and Washington Township frequently require higher limits due to older construction and specialty materials. Ingram Insurance calculates replacement cost using carrier-approved tools and a manual review to prevent underinsurance or rebuild shortages.

“Does my homeowners policy cover my detached garage or shed?”

Yes — but usually only up to a percentage of the main dwelling coverage. Most Ohio policies include 10% of Coverage A for “Other Structures.” So if your home is insured for $300,000, you only get $30,000 for your garage, shed, fences, or outdoor structures. If you have a large garage, workshop, or finished space (common in Kettering, Riverside, and Beavercreek), Ingram Insurance helps you increase these limits so you aren’t left paying out of pocket after a storm or fire.

“Does homeowners insurance cover sump pump failure in Dayton?”

Not automatically. Water or sewage backing up into your basement from a sump pump, sewer, or drain requires a Water Backup endorsement. This is one of the most frequently overlooked protections in the Miami Valley, especially in older neighborhoods with clay sewer lines. Ingram Insurance recommends reviewing this coverage carefully, as limits range from $5,000 to over $50,000 depending on your basement finishes.

“Is wind and hail damage covered in Ohio?”

Yes — but coverage depends heavily on roof age and condition. Many carriers in Ohio apply Actual Cash Value (ACV) settlements to roofs over 15–20 years old, meaning depreciation is deducted from your claim. Other carriers may decline homes with older roofs entirely. Ingram Insurance shops multiple carriers to secure full replacement cost when possible, and helps homeowners understand how the 15-year rule affects pricing.

“Does auto insurance cover rental cars?”

Usually, yes — your liability and physical damage coverage typically transfer to rental cars within the U.S. However, your rental company may still try to upsell you their protection plan. There are exceptions: business rentals, peer-to-peer rentals like Turo, and situations where you only carry liability on your personal vehicle. Ingram Insurance reviews your autos, deductibles, and travel habits to help you decide what’s necessary.

“How much liability coverage should I carry on my auto insurance?”

Minimum state limits are not enough for most Dayton families. A single accident involving injuries can easily exceed those limits, leaving you responsible for the remaining damages. Ingram Insurance typically recommends higher liability limits — often 250/500 or 500/500 — especially for households with teen drivers, multiple vehicles, or significant assets. These limits also pair well with an umbrella policy.

“What does an umbrella policy actually cover?”

Umbrella insurance provides an extra layer of protection above your home, auto, and sometimes rental property liability limits. If you are sued for more than your underlying policy can cover — for example, a major car accident, a dog-bite claim, a slip-and-fall, or rental property liability — the umbrella picks up the excess. Coverage typically begins at $1 million and is surprisingly affordable. It’s one of the most cost-effective ways to protect income and assets.

“Do I need an umbrella policy if I rent instead of own a home?”

Many renters do. Umbrella insurance is not only about property ownership — it’s about liability exposure. If you drive a vehicle, host guests, have a dog, invest in rental properties, coach youth sports, or participate in community events, you have liability risk. A renter who drives regularly can face the same lawsuits as a homeowner after an at-fault accident. Ingram Insurance helps evaluate these exposures and recommends when extended protection makes sense.

“Does homeowners insurance cover home-based businesses?”

Most of the time, no. Homeowners insurance usually excludes business equipment, client injuries, inventory, or professional liability. Remote workers using employer-issued laptops typically have limited coverage as well. If you run a home-based business, teach lessons, sell products, or store equipment at home, you likely need a home-business endorsement or a small commercial policy. Ingram Insurance structures these plans so your business is protected without overpaying.

“Will filing a home or auto claim make my rates go up?”

It depends on the type of claim. Liability and at-fault auto accidents almost always raise premiums, while weather claims sometimes do and sometimes don’t. Multiple claims in a short period can lead to nonrenewal, especially for homes with older roofs or long claim histories. Ingram Insurance walks clients through the pros and cons of filing a claim before contacting the carrier, helping you understand whether it makes financial sense to proceed.