Best homeowners insurance in Ohio (August 23)
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Are you looking for the best homeowners insurance in Ohio? We have reviewed all the major insurers in the state to bring you the best home insurance quotes in Ohio.
Why compare home insurance rates in Ohio:
- On average, Ohio home insurance costs you $1,308 each year.
- The rate of homeowners insurance in Ohio starts at $903 for a year.
- A standard homeowners insurance in Ohio doesn't cover damages due to floods, winter storms, ice, and snow. So, always ensure to buy additional coverages to cover the damages.
Ohio homeowners insurance: what you need to know
On average, a resident must pay around $1,308 for homeowners insurance in Ohio. This is slightly lower than the national average rate. Home insurance is essential in Ohio because of the state's closeness to Tornado Alley and the tendency for severe storms and flooding. Although the state's southwest region experiences a high risk of tornadoes and experiences all four seasons, the average homeowners insurance cost in Ohio is less than the national average.
Still, an average resident will look to buy the cheapest Ohio homeowners insurance. The best way is by getting home insurance quotes in Ohio from various insurers, comparing, and buying the cheapest one. Our review of home insurance in Ohio will give you an idea of the rates based on different coverage levels, deductibles, cities, and more!
What does a homeowners insurance policy cover?
Ideally, house insurance will provide the following coverages – Dwelling, Liability, Medical payments to others, Personal property, Other structures, and Additional living expenses. But always check whether the insurers in your state have these coverages. The following are some coverages that you can get extra with Ohio home insurance.
- Wind coverage: Standard homeowners insurance policies in Ohio often cover damage brought on by strong winds and tornadoes. However, due to the state's risk, you may want to double-check this with your agent.
- Weight of ice and snow coverage: Due to harsh winters, most homeowners insurance in Ohio automatically cover damage brought on by the weight of ice and snow. However, you must check it with your insurer.
- Flood insurance: Homeowners insurance often does not cover damage brought on by flooding. Instead, you'll require a separate flood insurance policy by the National Flood Insurance Program (NFIP) or a commercial insurer. Certain home insurance companies provide this additional coverage.
What isn't covered by a typical homeowners insurance policy?
A standard homeowners insurance policy doesn't cover floods, earthquakes, power outages, insect and vermin infestations, sinkholes, nuclear threats, war, wear and tear, or purposeful loss. So, it is better to check your homeowners insurance policy before buying to know the coverages you get and don't.
The cheapest home insurance companies in Ohio
Though the state average rate is less than the national average, the residents will always look for the cheapest and best homeowners insurance in Ohio. Our research found that Cincinnati Insurance offers the most affordable Ohio homeowners insurance with a yearly average rate of $903. Farmers offer the second-best Ohio home insurance with an average annual rate of $966.
The following are the cheapest insurers in Ohio.
| Insurer | Average annual rate |
|---|---|
| Cincinnati Insurance | $903 |
| Farmers | $966 |
| AAA | $1,006 |
| American Family | $1,074 |
| Erie | $1,103 |
The best homeowners insurance in Ohio for poor credit
Your credit score may impact your house insurance rate and your ability to obtain a mortgage or auto loan. You might need to pay higher premiums with a low credit score because your insurer will probably view you as a risk for frequent home insurance claims.
In Ohio, Grange offers the most affordable home insurance rates for a homeowner with bad credit, with an average yearly premium of $1,978. At the same time, Erie has the highest, with an average yearly premium of $2,667.
| Insurer | Average annual rate |
|---|---|
| Grange | $1,978 |
| Nationwide | $1,993 |
| Allstate | $2,174 |
| State Farm | $2,246 |
| Erie | $2,667 |
The best homeowners insurance in Ohio for pool owners
Insurance providers see homes with pools as high risk since there is a greater likelihood of accidents and potentially expensive liability claims.
Erie offers the most affordable home insurance rates for Ohio homes with swimming pools, with an average yearly premium of $1,178. At the same time, Nationwide has the most costly rates, with an average yearly premium of $1,505.
| Insurer | Average annual rate |
|---|---|
| Erie | $1,178 |
| Allstate | $1,313 |
| State Farm | $1,336 |
| Grange | $1,382 |
| Nationwide | $1,505 |
Homeowners Insurance deductibles in Ohio
Where to set your deductible is one of the options accessible when looking for a homeowners policy. The total sum the insured must put toward covered damage is the deductible. The deductible amount you choose can impact the rate of your homeowners insurance in Ohio.
So, a lower deductible results in higher insurance premiums. Therefore, anyone looking to reduce their insurance rates should consider a greater homeowners' deductible.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $1,103 |
| $1,000 | $1,005 |
| $1,500 | $946 |
| $2,000 | $895 |
| $5,000 | $752 |
Ohio home insurance prices by coverage levels
The level of coverage you select significantly impacts the cost of your Ohio home insurance. For instance, in Ohio, obtaining a dwelling coverage of up to $400,000 costs as much as $1,452 yearly. At the same time, carrying coverage up to $200,000 costs an average of $936 annually.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $576 |
| $200,000 | $936 |
| $250,000 | $1,005 |
| $400,000 | $1,452 |
Ohio Homeowners insurance costs by city
Though the average state is affordable, be aware that all cities in Ohio don't have the same insurance rate. The Ohio home insurance rate for cities depends on factors like ZIP Code, claims related to weather, and the crime rate in your area. Below listed are the rate of homeowners insurance in Ohio for different cities.
| City | Average annual rate |
|---|---|
| Aberdeen | $1,372 |
| Ada | $1,241 |
| Adamsville | $1,216 |
| Addyston | $1,157 |
| Adelphi | $1,480 |
| Adena | $1,124 |
| Akron | $1,047 |
| Albany | $1,283 |
| Alexandria | $1,207 |
| Alger | $1,242 |
| Alledonia | $1,165 |
| Alliance | $1,066 |
| Alpha | $1,145 |
| Alvada | $1,210 |
| Alvordton | $1,211 |
| Amanda | $1,255 |
| Amberley | $1,102 |
| Amelia | $1,144 |
| Amesville | $1,285 |
| Amherst | $1,058 |
| Amlin | $1,143 |
| Amsterdam | $1,151 |
| Andersonville | $1,341 |
| Andover | $1,102 |
| Anna | $1,189 |
| Ansonia | $1,232 |
| Antwerp | $1,215 |
| AppleCreek | $1,068 |
| AppleValley | $1,074 |
| Aquilla | $1,031 |
| Arcadia | $1,198 |
| Arcanum | $1,167 |
| Archbold | $1,147 |
| Arlington | $1,194 |
| ArlingtonHeights | $1,100 |
| Ashland | $1,064 |
| Ashley | $1,159 |
| Ashtabula | $1,022 |
| Ashville | $1,189 |
| Athens | $1,182 |
| Attica | $1,198 |
| Atwater | $1,111 |
| Aurora | $1,025 |
| Austinburg | $1,083 |
| Austintown | $1,059 |
| Ava | $1,399 |
| Avon | $967 |
| AvonLake | $974 |
| Bainbridge | $1,337 |
| Bakersville | $1,387 |
| Ballville | $1,088 |
| Baltic | $1,117 |
| Baltimore | $1,201 |
| Bannock | $1,357 |
| Barberton | $1,035 |
| Barnesville | $1,136 |
| Bartlett | $1,419 |
| Barton | $1,368 |
| Bascom | $1,391 |
| Batavia | $1,137 |
| BayView | $1,054 |
| BayVillage | $996 |
| BeachCity | $1,101 |
| Beachwood | $1,026 |
| Beallsville | $1,210 |
| Beaver | $1,538 |
| Beavercreek | $1,177 |
| Beaverdam | $1,170 |
| BeckettRidge | $1,136 |
| Bedford | $1,033 |
| BedfordHeights | $1,037 |
| BeechwoodTrails | $1,159 |
| Bellaire | $1,114 |
| Bellbrook | $1,195 |
| BelleCenter | $1,234 |
| BelleValley | $1,385 |
| Bellefontaine | $1,212 |
| Bellevue | $1,099 |
| Bellville | $1,127 |
| Belmont | $1,160 |
| Belmore | $1,449 |
| Beloit | $1,087 |
| Belpre | $1,127 |
| Bentleyville | $1,012 |
| BentonRidge | $1,421 |
| Bentonville | $1,583 |
| Berea | $982 |
| Bergholz | $1,143 |
| Berkey | $1,137 |
| BerlinCenter | $1,135 |
| BerlinHeights | $1,114 |
| Bethel | $1,245 |
| Bethesda | $1,169 |
| Bettsville | $1,106 |
| Beverly | $1,180 |
| Bexley | $1,170 |
| Bidwell | $1,353 |
| BigPrairie | $1,117 |
| Birmingham | $1,354 |
| Blacklick | $1,128 |
| BlacklickEstates | $1,193 |
| Bladensburg | $1,356 |
| Blaine | $1,365 |
| Blakeslee | $1,364 |
| Blanchester | $1,205 |
| Blissfield | $1,363 |
| Bloomdale | $1,194 |
| Bloomingburg | $1,279 |
| Bloomingdale | $1,106 |
| Bloomville | $1,213 |
| BlueAsh | $1,100 |
| BlueCreek | $1,510 |
| BlueRock | $1,221 |
| Bluffton | $1,171 |
| Boardman | $1,046 |
| Bolindale | $1,065 |
| Bolivar | $1,095 |
| BostonHeights | $1,013 |
| Botkins | $1,177 |
| Bourneville | $1,530 |
| Bowerston | $1,113 |
| Bowersville | $1,455 |
| BowlingGreen | $1,108 |
| Bradford | $1,171 |
| Bradner | $1,168 |
| BradyLake | $1,063 |
| Bratenahl | $1,163 |
| Brecksville | $990 |
| Bremen | $1,216 |
| Brewster | $1,028 |
| Brice | $1,417 |
| Bridgeport | $1,096 |
| Bridgetown | $1,107 |
| Brilliant | $1,069 |
| Brimfield | $1,033 |
| Brinkhaven | $1,198 |
| Bristolville | $1,146 |
| BroadviewHeights | $980 |
| Broadway | $1,398 |
| BrookPark | $1,006 |
| Brookfield | $1,087 |
| BrookfieldCenter | $1,089 |
| Brooklyn | $1,008 |
| BrooklynHeights | $1,021 |
| Brookpark | $1,010 |
| Brookside | $1,095 |
| Brookville | $1,213 |
| Brownsville | $1,378 |
| Brunswick | $1,009 |
| Bryan | $1,134 |
| Buchtel | $1,429 |
| BuckeyeLake | $1,164 |
| Buckland | $1,199 |
| Bucyrus | $1,174 |
| Burbank | $1,096 |
| Burghill | $1,117 |
| Burgoon | $1,224 |
| Burkettsville | $1,422 |
| Burlington | $1,316 |
| Burton | $1,063 |
| Butler | $1,158 |
| Byesville | $1,187 |
| Cable | $1,289 |
| Cadiz | $1,136 |
| Cairo | $1,467 |
| Calcutta | $1,071 |
| Caldwell | $1,165 |
| Caledonia | $1,237 |
| Cambridge | $1,154 |
| Camden | $1,284 |
| Cameron | $1,402 |
| CampDennison | $1,111 |
| Campbell | $1,062 |
| CanalFulton | $1,010 |
| CanalWinchester | $1,187 |
| CandlewoodLake | $1,198 |
| Canfield | $1,072 |
| Canton | $1,037 |
| CarbonHill | $1,422 |
| Carbondale | $1,423 |
| Cardington | $1,234 |
| Carey | $1,170 |
| Carlisle | $1,237 |
| Carroll | $1,222 |
| Carrollton | $1,110 |
| Casstown | $1,199 |
| Castalia | $1,093 |
| Catawba | $1,386 |
| Cecil | $1,244 |
| Cedarville | $1,242 |
| Celina | $1,177 |
| Centerburg | $1,187 |
| Centerville | $1,165 |
| ChagrinFalls | $1,019 |
| ChampionHeights | $1,083 |
| Chandlersville | $1,233 |
| Chardon | $1,029 |
| Charm | $1,322 |
| Chauncey | $1,234 |
| CherryFork | $1,573 |
| CherryGrove | $1,110 |
| Chesapeake | $1,332 |
| Cheshire | $1,311 |
| Chesterhill | $1,343 |
| Chesterland | $1,020 |
| Chesterville | $1,394 |
| Cheviot | $1,089 |
| Chickasaw | $1,412 |
| Chillicothe | $1,343 |
| Chilo | $1,428 |
| ChippewaLake | $1,015 |
| ChippewaPark | $1,223 |
| ChoctawLake | $1,176 |
| Christiansburg | $1,394 |
| Churchill | $1,070 |
| Cincinnati | $1,128 |
| CinnamonLake | $1,141 |
| Circleville | $1,213 |
| Clarington | $1,233 |
| Clarksburg | $1,427 |
| Clarksville | $1,261 |
| ClayCenter | $1,407 |
| Clayton | $1,169 |
| Cleveland | $1,090 |
| ClevelandHeights | $1,104 |
| Cleves | $1,168 |
| Clifton | $1,418 |
| Clinton | $1,066 |
| Cloverdale | $1,252 |
| Clyde | $1,129 |
| CoalGrove | $1,300 |
| CoalRun | $1,367 |
| Coalton | $1,556 |
| Coldstream | $1,113 |
| Coldwater | $1,170 |
| CollegeCorner | $1,269 |
| Collins | $1,152 |
| Collinsville | $1,424 |
| Colton | $1,429 |
| ColumbiaStation | $1,042 |
| Columbiana | $1,070 |
| Columbus | $1,123 |
| ColumbusGrove | $1,217 |
| CommercialPoint | $1,170 |
| Conesville | $1,184 |
| Conneaut | $1,019 |
| Conover | $1,165 |
| Continental | $1,217 |
| Convoy | $1,288 |
| Coolville | $1,204 |
| Corning | $1,350 |
| Cortland | $1,086 |
| Coshocton | $1,110 |
| Covedale | $1,105 |
| Covington | $1,148 |
| CraigBeach | $1,125 |
| Creola | $1,374 |
| Crestline | $1,135 |
| Creston | $1,055 |
| Cridersville | $1,203 |
| Crooksville | $1,251 |
| Croton | $1,180 |
| CrownCity | $1,414 |
| CrystalLakes | $1,128 |
| Cuba | $1,444 |
| Cumberland | $1,238 |
| Curtice | $1,198 |
| Custar | $1,200 |
| Cutler | $1,248 |
| CuyahogaFalls | $1,006 |
| CuyahogaHeights | $1,037 |
| Cygnet | $1,224 |
| Cynthiana | $1,525 |
| Dalton | $1,078 |
| Danville | $1,163 |
| Darbydale | $1,116 |
| DayHeights | $1,125 |
| Dayton | $1,223 |
| DeGraff | $1,264 |
| DeerPark | $1,085 |
| Deerfield | $1,166 |
| Deersville | $1,355 |
| Defiance | $1,152 |
| Delaware | $1,087 |
| DelhiHills | $1,092 |
| Dellroy | $1,146 |
| Delphos | $1,165 |
| Delshire | $1,095 |
| Delta | $1,173 |
| Dennison | $1,096 |
| Dent | $1,131 |
| Derby | $1,404 |
| Derwent | $1,400 |
| Deshler | $1,229 |
| Devola | $1,096 |
| DexterCity | $1,170 |
| Diamond | $1,156 |
| Dillonvale | $1,115 |
| Dola | $1,201 |
| Donnelsville | $1,133 |
| Dorset | $1,120 |
| Dover | $1,076 |
| Doylestown | $1,070 |
| Dresden | $1,175 |
| Drexel | $1,321 |
| DryRidge | $1,174 |
| DryRun | $1,105 |
| Dublin | $1,032 |
| Dunbridge | $1,393 |
| DuncanFalls | $1,169 |
| Dundee | $1,121 |
| Dunkirk | $1,243 |
| Dunlap | $1,179 |
| Dupont | $1,448 |
| EastCanton | $1,086 |
| EastClaridon | $1,293 |
| EastCleveland | $1,125 |
| EastFultonham | $1,399 |
| EastLiberty | $1,189 |
| EastLiverpool | $1,071 |
| EastPalestine | $1,058 |
| EastRochester | $1,113 |
| EastSparta | $1,103 |
| EastSpringfield | $1,358 |
| Eastlake | $992 |
| Eaton | $1,225 |
| EatonEstates | $1,064 |
| Edgerton | $1,163 |
| Edgewood | $1,022 |
| Edison | $1,233 |
| Edon | $1,154 |
| Eldorado | $1,258 |
| Elgin | $1,469 |
| Elida | $1,201 |
| Elkton | $1,347 |
| Elmore | $1,162 |
| ElmwoodPlace | $1,122 |
| Elyria | $1,039 |
| Empire | $1,353 |
| Englewood | $1,158 |
| Enon | $1,122 |
| Euclid | $1,061 |
| Evansport | $1,392 |
| Evendale | $1,101 |
| Fairborn | $1,143 |
| Fairfax | $1,061 |
| Fairfield | $1,173 |
| FairfieldBeach | $1,162 |
| Fairlawn | $1,004 |
| Fairpoint | $1,361 |
| FairportHarbor | $979 |
| Fairview | $1,414 |
| FairviewPark | $996 |
| Farmdale | $1,165 |
| Farmersville | $1,299 |
| Fayette | $1,179 |
| Fayetteville | $1,314 |
| Feesburg | $1,500 |
| Felicity | $1,314 |
| Findlay | $1,125 |
| Finneytown | $1,128 |
| FivePoints | $1,154 |
| FlatRock | $1,385 |
| Fleming | $1,187 |
| Fletcher | $1,166 |
| Flushing | $1,144 |
| Forest | $1,275 |
| ForestPark | $1,150 |
| Forestville | $1,109 |
| FortJennings | $1,218 |
| FortLoramie | $1,199 |
| FortRecovery | $1,271 |
| FortShawnee | $1,210 |
| Fostoria | $1,129 |
| FourBridges | $1,182 |
| Fowler | $1,123 |
| Frankfort | $1,432 |
| Franklin | $1,232 |
| FranklinFurnace | $1,463 |
| Frazeysburg | $1,218 |
| Fredericksburg | $1,100 |
| Fredericktown | $1,158 |
| Freeport | $1,195 |
| Fremont | $1,089 |
| Fresno | $1,183 |
| Friendship | $1,584 |
| FruitHill | $1,084 |
| Fulton | $1,224 |
| Fultonham | $1,394 |
| Gahanna | $1,102 |
| Galena | $1,088 |
| Galion | $1,144 |
| Gallipolis | $1,332 |
| Galloway | $1,106 |
| Gambier | $1,151 |
| GarfieldHeights | $1,086 |
| Garrettsville | $1,101 |
| GatesMills | $1,022 |
| Geneva | $1,055 |
| Geneva-on-the-Lake | $1,054 |
| Genoa | $1,145 |
| Georgetown | $1,290 |
| Germantown | $1,241 |
| Gettysburg | $1,386 |
| Gibsonburg | $1,172 |
| Girard | $1,049 |
| Glandorf | $1,200 |
| Glencoe | $1,374 |
| Glendale | $1,111 |
| Glenford | $1,261 |
| Glenmont | $1,091 |
| Glenmoor | $1,075 |
| Glenwillow | $995 |
| GloriaGlensPark | $1,013 |
| Glouster | $1,232 |
| Gnadenhutten | $1,129 |
| GolfManor | $1,115 |
| Gomer | $1,447 |
| Goshen | $1,217 |
| Grafton | $1,064 |
| GrandRapids | $1,169 |
| GrandRiver | $1,273 |
| Grandview | $1,171 |
| GrandviewHeights | $1,078 |
| Granville | $1,142 |
| GranvilleSouth | $1,145 |
| Gratiot | $1,371 |
| Graysville | $1,217 |
| Graytown | $1,234 |
| Green | $1,021 |
| GreenMeadows | $1,118 |
| GreenSprings | $1,206 |
| Greenfield | $1,372 |
| Greenford | $1,348 |
| Greenhills | $1,117 |
| Greentown | $1,004 |
| Greenville | $1,191 |
| Greenwich | $1,185 |
| Grelton | $1,403 |
| Groesbeck | $1,127 |
| GroveCity | $1,112 |
| Groveport | $1,137 |
| GroverHill | $1,261 |
| Guysville | $1,268 |
| Gypsum | $1,391 |
| Hallsville | $1,474 |
| Hamden | $1,430 |
| Hamersville | $1,357 |
| Hamilton | $1,179 |
| Hamler | $1,251 |
| Hammondsville | $1,143 |
| Hannibal | $1,410 |
| Hanover | $1,098 |
| Hanoverton | $1,119 |
| HarborHills | $1,169 |
| HarborView | $1,404 |
| Harpster | $1,242 |
| Harrisburg | $1,156 |
| Harrison | $1,133 |
| Harrod | $1,212 |
| Hartville | $1,064 |
| Harveysburg | $1,390 |
| Haskins | $1,090 |
| Haverhill | $1,580 |
| Haviland | $1,274 |
| Haydenville | $1,441 |
| Hayesville | $1,065 |
| Heath | $1,122 |
| Hebron | $1,139 |
| Helena | $1,199 |
| Hicksville | $1,164 |
| Higginsport | $1,468 |
| HighlandHeights | $1,044 |
| HighlandHills | $1,037 |
| Highpoint | $1,107 |
| Hilliard | $1,080 |
| Hillsboro | $1,321 |
| Hinckley | $1,070 |
| Hiram | $1,114 |
| Hockingport | $1,413 |
| Holgate | $1,233 |
| HolidayValley | $1,141 |
| Holland | $1,118 |
| Hollansburg | $1,220 |
| Holloway | $1,361 |
| Holmesville | $1,079 |
| Homerville | $1,094 |
| Homeworth | $1,054 |
| Hooven | $1,399 |
| Hopedale | $1,156 |
| Hopewell | $1,242 |
| Houston | $1,233 |
| Howard | $1,079 |
| HowlandCenter | $1,061 |
| Hoytville | $1,387 |
| Hubbard | $1,085 |
| HuberHeights | $1,184 |
| HuberRidge | $1,050 |
| Hudson | $1,014 |
| Hunter | $1,235 |
| HuntingValley | $1,026 |
| Huntsburg | $1,084 |
| Huntsville | $1,231 |
| Huron | $1,037 |
| Iberia | $1,408 |
| Independence | $1,015 |
| Irondale | $1,116 |
| Ironton | $1,303 |
| Irwin | $1,153 |
| IsleSaintGeorge | $1,141 |
| Jackson | $1,415 |
| JacksonCenter | $1,209 |
| Jacksontown | $1,383 |
| Jacksonville | $1,432 |
| Jacobsburg | $1,187 |
| Jamestown | $1,233 |
| Jefferson | $1,087 |
| Jeffersonville | $1,280 |
| Jenera | $1,271 |
| Jeromesville | $1,136 |
| JerryCity | $1,386 |
| Jerusalem | $1,254 |
| Jewell | $1,393 |
| Jewett | $1,185 |
| Johnstown | $1,162 |
| JunctionCity | $1,297 |
| Kalida | $1,443 |
| Kansas | $1,162 |
| Keene | $1,358 |
| KelleysIsland | $1,107 |
| Kensington | $1,127 |
| Kent | $1,079 |
| Kenton | $1,232 |
| Kenwood | $1,089 |
| Kerr | $1,547 |
| Kettering | $1,171 |
| Kettlersville | $1,405 |
| Kidron | $1,076 |
| Kilbourne | $1,354 |
| Killbuck | $1,150 |
| Kimbolton | $1,200 |
| KingsMills | $1,182 |
| Kingston | $1,371 |
| Kingsville | $1,115 |
| Kinsman | $1,160 |
| KinsmanCenter | $1,162 |
| Kipling | $1,377 |
| Kipton | $1,330 |
| Kirby | $1,400 |
| Kirkersville | $1,427 |
| Kirtland | $1,001 |
| KirtlandHills | $974 |
| KittsHill | $1,400 |
| Kunkle | $1,376 |
| LaCroft | $1,072 |
| LaRue | $1,236 |
| Lacarne | $1,376 |
| Lafferty | $1,361 |
| LaGrange | $1,076 |
| Laings | $1,409 |
| LakeDarby | $1,099 |
| LakeLakengren | $1,223 |
| LakeLorelei | $1,314 |
| LakeMilton | $1,124 |
| LakeMohawk | $1,080 |
| LakeWaynoka | $1,358 |
| Lakemore | $1,344 |
| Lakeside | $1,170 |
| LakesideMarblehead | $1,171 |
| Lakeview | $1,224 |
| Lakeville | $1,087 |
| Lakewood | $1,012 |
| Lancaster | $1,196 |
| Landen | $1,144 |
| Langsville | $1,321 |
| Lansing | $1,368 |
| Latham | $1,420 |
| Laura | $1,203 |
| Laurelville | $1,356 |
| Leavittsburg | $1,077 |
| Lebanon | $1,208 |
| Leesburg | $1,360 |
| Leesville | $1,350 |
| Leetonia | $1,099 |
| Leipsic | $1,219 |
| Lemoyne | $1,394 |
| LewisCenter | $1,075 |
| Lewisburg | $1,232 |
| Lewistown | $1,264 |
| Lewisville | $1,215 |
| Lexington | $1,125 |
| LibertyCenter | $1,227 |
| Lima | $1,199 |
| Limaville | $1,336 |
| LincolnHeights | $1,107 |
| LincolnVillage | $1,143 |
| Lindsey | $1,173 |
| Lisbon | $1,114 |
| Litchfield | $1,110 |
| Lithopolis | $1,239 |
| LittleHocking | $1,170 |
| Lockbourne | $1,198 |
| Lockland | $1,101 |
| Lodi | $1,078 |
| Logan | $1,234 |
| London | $1,177 |
| Londonderry | $1,439 |
| LongBottom | $1,388 |
| Lorain | $1,059 |
| Lordstown | $1,126 |
| LoreCity | $1,239 |
| Loudonville | $1,117 |
| Louisville | $1,034 |
| Loveland | $1,141 |
| LovelandPark | $1,144 |
| Lowell | $1,164 |
| Lowellville | $1,108 |
| LowerSalem | $1,190 |
| Lucas | $1,164 |
| Lucasville | $1,530 |
| Luckey | $1,172 |
| LudlowFalls | $1,176 |
| Lynchburg | $1,359 |
| Lyndhurst | $1,022 |
| Lynx | $1,515 |
| Lyons | $1,210 |
| Macedonia | $1,004 |
| Mack | $1,134 |
| Macksburg | $1,179 |
| Madeira | $1,072 |
| Madison | $1,015 |
| MagneticSprings | $1,399 |
| Magnolia | $1,096 |
| Maineville | $1,146 |
| Malinta | $1,209 |
| Malta | $1,249 |
| Malvern | $1,076 |
| Manchester | $1,411 |
| Mansfield | $1,105 |
| Mantua | $1,099 |
| MapleHeights | $1,036 |
| MapleRidge | $1,082 |
| Maplewood | $1,163 |
| MarbleCliff | $1,076 |
| Marblehead | $1,171 |
| Marengo | $1,166 |
| MariaStein | $1,228 |
| Mariemont | $1,059 |
| Marietta | $1,095 |
| Marion | $1,155 |
| MarkCenter | $1,191 |
| Marne | $1,096 |
| Marshallville | $1,088 |
| Martel | $1,169 |
| Martin | $1,229 |
| MartinsFerry | $1,091 |
| Martinsburg | $1,139 |
| Martinsville | $1,306 |
| Marysville | $1,148 |
| Mason | $1,146 |
| Massillon | $1,007 |
| Masury | $1,073 |
| Maumee | $1,078 |
| Maximo | $1,332 |
| Mayfield | $1,043 |
| MayfieldHeights | $1,023 |
| Maynard | $1,365 |
| McArthur | $1,414 |
| McClure | $1,253 |
| McComb | $1,201 |
| McConnelsville | $1,220 |
| McCutchenville | $1,155 |
| McDermott | $1,468 |
| McDonald | $1,043 |
| McGuffey | $1,415 |
| Mechanicsburg | $1,230 |
| Mechanicstown | $1,128 |
| Medina | $1,032 |
| Medway | $1,125 |
| Melmore | $1,402 |
| Melrose | $1,442 |
| Mendon | $1,260 |
| Mentor | $970 |
| Mentor-on-the-Lake | $971 |
| Metamora | $1,198 |
| MeyersLake | $1,033 |
| MiamiHeights | $1,169 |
| Miamisburg | $1,189 |
| Miamitown | $1,168 |
| Miamiville | $1,435 |
| MiddleBass | $1,430 |
| MiddlePoint | $1,281 |
| Middlebranch | $1,315 |
| Middleburg | $1,402 |
| MiddleburgHeights | $992 |
| Middlefield | $1,061 |
| Middleport | $1,271 |
| Middletown | $1,200 |
| Midland | $1,313 |
| Midvale | $1,360 |
| Milan | $1,088 |
| Milford | $1,124 |
| MilfordCenter | $1,197 |
| Millbury | $1,168 |
| Milledgeville | $1,461 |
| MillerCity | $1,454 |
| Millersburg | $1,070 |
| Millersport | $1,150 |
| Millfield | $1,222 |
| MiltonCenter | $1,213 |
| MineralCity | $1,171 |
| MineralRidge | $1,065 |
| Minerva | $1,069 |
| MinervaPark | $1,100 |
| Minford | $1,505 |
| Mingo | $1,460 |
| MingoJunction | $1,083 |
| Minster | $1,158 |
| Mogadore | $1,079 |
| Monclova | $1,128 |
| MonfortHeights | $1,114 |
| Monroe | $1,191 |
| Monroeville | $1,136 |
| Montezuma | $1,435 |
| Montgomery | $1,108 |
| Montpelier | $1,136 |
| Montrose-Ghent | $998 |
| Montville | $1,078 |
| Moraine | $1,354 |
| MorelandHills | $1,025 |
| Morgandale | $1,043 |
| Morral | $1,262 |
| Morristown | $1,368 |
| Morrow | $1,247 |
| Moscow | $1,291 |
| MountBlanchard | $1,292 |
| MountCarmel | $1,100 |
| MountCory | $1,226 |
| MountEaton | $1,329 |
| MountGilead | $1,199 |
| MountHealthy | $1,122 |
| MountHealthyHeights | $1,123 |
| MountHope | $1,323 |
| MountLiberty | $1,396 |
| MountOrab | $1,320 |
| MountPerry | $1,247 |
| MountRepose | $1,126 |
| MountSt.Joseph | $1,387 |
| MountSterling | $1,242 |
| MountVernon | $1,109 |
| MountVictory | $1,285 |
| Mowrystown | $1,558 |
| Moxahala | $1,424 |
| Mulberry | $1,123 |
| MunroeFalls | $1,036 |
| MurrayCity | $1,445 |
| Nankin | $1,360 |
| Napoleon | $1,149 |
| Nashport | $1,168 |
| Nashville | $1,333 |
| Navarre | $1,059 |
| Neapolis | $1,390 |
| Neffs | $1,114 |
| Negley | $1,112 |
| Nelsonville | $1,231 |
| Nevada | $1,214 |
| Neville | $1,450 |
| NewAlbany | $1,105 |
| NewAthens | $1,379 |
| NewBaltimore | $1,134 |
| NewBavaria | $1,229 |
| NewBloomington | $1,245 |
| NewBoston | $1,389 |
| NewBremen | $1,151 |
| NewBurlington | $1,138 |
| NewCarlisle | $1,149 |
| NewConcord | $1,172 |
| NewFranklin | $1,038 |
| NewHampshire | $1,411 |
| NewHaven | $1,135 |
| NewHolland | $1,292 |
| NewKnoxville | $1,196 |
| NewLebanon | $1,276 |
| NewLexington | $1,242 |
| NewLondon | $1,209 |
| NewMadison | $1,248 |
| NewMarshfield | $1,320 |
| NewMatamoras | $1,205 |
| NewMiami | $1,186 |
| NewMiddletown | $1,084 |
| NewParis | $1,254 |
| NewPhiladelphia | $1,064 |
| NewPlymouth | $1,434 |
| NewRichmond | $1,217 |
| NewRiegel | $1,202 |
| NewRumley | $1,372 |
| NewSpringfield | $1,113 |
| NewStraitsville | $1,370 |
| NewVienna | $1,265 |
| NewWashington | $1,191 |
| NewWaterford | $1,111 |
| NewWeston | $1,267 |
| Newark | $1,094 |
| NewburghHeights | $1,131 |
| Newbury | $1,055 |
| Newcomerstown | $1,164 |
| Newport | $1,146 |
| NewtonFalls | $1,073 |
| Newtonsville | $1,443 |
| Newtown | $1,103 |
| Ney | $1,188 |
| Niles | $1,050 |
| NorthBaltimore | $1,132 |
| NorthBend | $1,155 |
| NorthBenton | $1,104 |
| NorthBloomfield | $1,126 |
| NorthCanton | $1,002 |
| NorthCollegeHill | $1,125 |
| NorthFairfield | $1,174 |
| NorthGeorgetown | $1,337 |
| NorthHampton | $1,389 |
| NorthJackson | $1,151 |
| NorthKingsville | $1,026 |
| NorthLawrence | $1,101 |
| NorthLewisburg | $1,232 |
| NorthLima | $1,117 |
| NorthMadison | $1,014 |
| NorthOlmsted | $996 |
| NorthPerry | $1,013 |
| NorthRandall | $1,086 |
| NorthRidgeville | $1,012 |
| NorthRobinson | $1,384 |
| NorthRoyalton | $982 |
| NorthStar | $1,262 |
| NorthZanesville | $1,126 |
| Northbrook | $1,126 |
| Northfield | $1,006 |
| Northgate | $1,131 |
| Northridge | $1,143 |
| Northwood | $1,168 |
| Norton | $1,037 |
| Norwalk | $1,079 |
| Norwich | $1,220 |
| Norwood | $1,077 |
| Nova | $1,171 |
| Novelty | $1,043 |
| OakHarbor | $1,187 |
| OakHill | $1,483 |
| Oakwood | $1,186 |
| Oberlin | $1,036 |
| Obetz | $1,153 |
| Oceola | $1,412 |
| OhioCity | $1,315 |
| Okeana | $1,233 |
| Okolona | $1,412 |
| OldFort | $1,397 |
| OldWashington | $1,383 |
| OldeWestChester | $1,137 |
| OlmstedFalls | $994 |
| Ontario | $1,088 |
| Orange | $1,033 |
| Orangeville | $1,348 |
| Oregon | $1,194 |
| Oregonia | $1,218 |
| Orient | $1,233 |
| Orrville | $1,046 |
| Orwell | $1,118 |
| Osgood | $1,387 |
| Ostrander | $1,194 |
| Ottawa | $1,200 |
| OttawaHills | $1,143 |
| Ottoville | $1,473 |
| Otway | $1,534 |
| Overpeck | $1,438 |
| Owensville | $1,163 |
| Oxford | $1,180 |
| Painesville | $979 |
| Palestine | $1,419 |
| Pandora | $1,225 |
| Paris | $1,090 |
| ParkLayne | $1,148 |
| Parma | $994 |
| ParmaHeights | $990 |
| Pataskala | $1,159 |
| Patriot | $1,462 |
| Paulding | $1,199 |
| Payne | $1,254 |
| Pedro | $1,418 |
| Peebles | $1,480 |
| Pemberton | $1,394 |
| Pemberville | $1,175 |
| Peninsula | $1,042 |
| PepperPike | $1,026 |
| Perry | $1,012 |
| PerryHeights | $1,018 |
| Perrysburg | $1,125 |
| Perrysville | $1,124 |
| Petersburg | $1,114 |
| Pettisville | $1,407 |
| Phillipsburg | $1,472 |
| Philo | $1,205 |
| Pickerington | $1,122 |
| Piedmont | $1,132 |
| Pierpont | $1,097 |
| PigeonCreek | $1,038 |
| Piketon | $1,498 |
| PineyFork | $1,360 |
| Pioneer | $1,197 |
| Piqua | $1,117 |
| Pitsburg | $1,421 |
| PlainCity | $1,150 |
| Plainfield | $1,382 |
| PleasantCity | $1,213 |
| PleasantGrove | $1,128 |
| PleasantHill | $1,156 |
| PleasantHills | $1,125 |
| PleasantPlain | $1,264 |
| PleasantRun | $1,127 |
| PleasantRunFarm | $1,147 |
| Pleasantville | $1,226 |
| Plymouth | $1,127 |
| Poland | $1,027 |
| Polk | $1,103 |
| Pomeroy | $1,300 |
| PortClinton | $1,147 |
| PortJefferson | $1,402 |
| PortWashington | $1,199 |
| PortWilliam | $1,438 |
| Portage | $1,135 |
| PortageLakes | $1,017 |
| Portland | $1,291 |
| Portsmouth | $1,387 |
| Potsdam | $1,402 |
| Powell | $1,042 |
| PowhatanPoint | $1,120 |
| Proctorville | $1,286 |
| Prospect | $1,221 |
| Put-in-Bay | $1,188 |
| QuakerCity | $1,232 |
| Quincy | $1,211 |
| Racine | $1,263 |
| Radnor | $1,185 |
| Rarden | $1,428 |
| Ravenna | $1,064 |
| Rawson | $1,207 |
| Ray | $1,462 |
| Rayland | $1,156 |
| Raymond | $1,198 |
| Reading | $1,107 |
| Reedsville | $1,318 |
| Reesville | $1,442 |
| Reminderville | $1,030 |
| Reno | $1,120 |
| Republic | $1,217 |
| Reynoldsburg | $1,107 |
| Richfield | $1,037 |
| Richmond | $1,104 |
| RichmondDale | $1,343 |
| RichmondHeights | $1,046 |
| Richville | $1,056 |
| Richwood | $1,238 |
| RidgevilleCorners | $1,401 |
| Ridgeway | $1,264 |
| RioGrande | $1,498 |
| Ripley | $1,391 |
| Risingsun | $1,197 |
| Rittman | $1,031 |
| Riverlea | $1,054 |
| Riverside | $1,198 |
| RoamingShores | $1,126 |
| Robertsville | $1,325 |
| RockCamp | $1,310 |
| RockCreek | $1,107 |
| Rockbridge | $1,332 |
| Rockford | $1,250 |
| RockyRidge | $1,387 |
| RockyRiver | $983 |
| Rogers | $1,104 |
| Rome | $1,124 |
| Rootstown | $1,112 |
| Rosemount | $1,388 |
| Roseville | $1,192 |
| Rosewood | $1,420 |
| Ross | $1,186 |
| Rossburg | $1,225 |
| Rossford | $1,125 |
| Rossmoyne | $1,084 |
| Rudolph | $1,176 |
| Rushsylvania | $1,241 |
| Rushville | $1,255 |
| RussellsPoint | $1,208 |
| Russellville | $1,355 |
| Russia | $1,142 |
| Rutland | $1,344 |
| Sabina | $1,248 |
| Salem | $1,077 |
| SalemHeights | $1,084 |
| Salesville | $1,270 |
| Salineville | $1,157 |
| Sandusky | $1,050 |
| Sandyville | $1,386 |
| Sarahsville | $1,187 |
| Sardinia | $1,347 |
| Sardis | $1,155 |
| Savannah | $1,356 |
| Sawyerwood | $1,018 |
| Scio | $1,181 |
| SciotoFurnace | $1,521 |
| Sciotodale | $1,385 |
| Scott | $1,256 |
| Scottown | $1,357 |
| Seaman | $1,420 |
| Sebring | $1,062 |
| Sedalia | $1,407 |
| Senecaville | $1,203 |
| SevenHills | $1,014 |
| SevenMile | $1,424 |
| Seville | $1,041 |
| Shade | $1,245 |
| Shadyside | $1,074 |
| ShakerHeights | $1,075 |
| Shandon | $1,448 |
| SharonCenter | $1,329 |
| Sharonville | $1,107 |
| Sharpsburg | $1,439 |
| Shauck | $1,413 |
| Shawnee | $1,240 |
| ShawneeHills | $1,232 |
| Sheffield | $1,046 |
| SheffieldLake | $1,038 |
| Shelby | $1,094 |
| Sherrodsville | $1,121 |
| Sherwood | $1,141 |
| Shiloh | $1,177 |
| Shreve | $1,099 |
| Sidney | $1,150 |
| SilverLake | $992 |
| Silverton | $1,085 |
| SinkingSpring | $1,499 |
| SixteenMileStand | $1,109 |
| SkylineAcres | $1,119 |
| Smithville | $1,042 |
| Solon | $994 |
| Somerdale | $1,355 |
| Somerset | $1,254 |
| Somerville | $1,271 |
| SouthAmherst | $1,062 |
| SouthBloomfield | $1,188 |
| SouthBloomingville | $1,316 |
| SouthCanal | $1,075 |
| SouthCharleston | $1,207 |
| SouthEuclid | $1,063 |
| SouthLebanon | $1,185 |
| SouthPoint | $1,317 |
| SouthRussell | $1,022 |
| SouthSalem | $1,440 |
| SouthSolon | $1,274 |
| SouthVienna | $1,204 |
| SouthWebster | $1,490 |
| SouthZanesville | $1,128 |
| Southington | $1,118 |
| Sparta | $1,418 |
| Spencer | $1,121 |
| Spencerville | $1,230 |
| SpringValley | $1,241 |
| Springboro | $1,159 |
| Springdale | $1,129 |
| Springfield | $1,151 |
| St.Bernard | $1,118 |
| St.Clairsville | $1,077 |
| St.Henry | $1,236 |
| St.Johns | $1,409 |
| St.Louisville | $1,174 |
| St.Marys | $1,135 |
| St.Paris | $1,224 |
| Stafford | $1,407 |
| Sterling | $1,104 |
| Steubenville | $1,071 |
| Stewart | $1,259 |
| Stillwater | $1,372 |
| Stockdale | $1,581 |
| Stockport | $1,258 |
| StoneCreek | $1,176 |
| StonyPrairie | $1,087 |
| StonyRidge | $1,401 |
| Stout | $1,501 |
| Stoutsville | $1,215 |
| Stow | $992 |
| Strasburg | $1,095 |
| Stratton | $1,349 |
| Streetsboro | $1,026 |
| Strongsville | $988 |
| Struthers | $1,044 |
| Stryker | $1,170 |
| SugarGrove | $1,308 |
| Sugarcreek | $1,095 |
| Sullivan | $1,157 |
| SulphurSprings | $1,375 |
| Summerfield | $1,210 |
| Summerside | $1,116 |
| SummitStation | $1,384 |
| Summitville | $1,358 |
| Sunbury | $1,125 |
| Swanton | $1,159 |
| Sycamore | $1,251 |
| Sylvania | $1,077 |
| Syracuse | $1,468 |
| Tallmadge | $1,017 |
| Tarlton | $1,469 |
| TaylorCreek | $1,133 |
| TerracePark | $1,134 |
| ThePlains | $1,168 |
| TheVillageofIndianHill | $1,092 |
| Thompson | $1,085 |
| Thornport | $1,190 |
| Thornville | $1,181 |
| Thurman | $1,439 |
| Thurston | $1,202 |
| Tiffin | $1,099 |
| Tiltonsville | $1,061 |
| Timberlake | $990 |
| TippCity | $1,137 |
| Tippecanoe | $1,166 |
| Tiro | $1,235 |
| Toledo | $1,183 |
| Tontogany | $1,378 |
| Toronto | $1,084 |
| TremontCity | $1,383 |
| Trenton | $1,162 |
| Trinway | $1,172 |
| Trotwood | $1,290 |
| Troy | $1,097 |
| TuppersPlains | $1,472 |
| TurpinHills | $1,105 |
| Tuscarawas | $1,400 |
| Twinsburg | $991 |
| TwinsburgHeights | $991 |
| Uhrichsville | $1,100 |
| Union | $1,168 |
| UnionCity | $1,257 |
| UnionFurnace | $1,447 |
| Uniontown | $1,007 |
| Unionville | $1,305 |
| UnionvilleCenter | $1,358 |
| Uniopolis | $1,408 |
| UniversityHeights | $1,066 |
| UpperArlington | $1,050 |
| UpperSandusky | $1,208 |
| Urbana | $1,180 |
| Urbancrest | $1,106 |
| Utica | $1,164 |
| ValleyCity | $1,072 |
| ValleyView | $1,024 |
| Valleyview | $1,122 |
| VanBuren | $1,182 |
| VanWert | $1,246 |
| Vandalia | $1,179 |
| Vanlue | $1,262 |
| Vaughnsville | $1,427 |
| Venedocia | $1,315 |
| Vermilion | $1,076 |
| Verona | $1,213 |
| Versailles | $1,159 |
| Vickery | $1,117 |
| Vienna | $1,124 |
| Vincent | $1,194 |
| Vinton | $1,414 |
| Wadsworth | $1,013 |
| WaiteHill | $1,001 |
| Wakefield | $1,578 |
| Wakeman | $1,151 |
| Walbridge | $1,146 |
| Waldo | $1,205 |
| Walhonding | $1,233 |
| WaltonHills | $1,032 |
| Wapakoneta | $1,165 |
| Warnock | $1,356 |
| Warren | $1,081 |
| WarrensvilleHeights | $1,063 |
| Warsaw | $1,197 |
| WashingtonCourtHouse | $1,274 |
| Washingtonville | $1,039 |
| Waterford | $1,174 |
| Waterloo | $1,472 |
| Waterville | $1,106 |
| Wauseon | $1,171 |
| Waverly | $1,402 |
| WaverlyCity | $1,398 |
| Wayland | $1,328 |
| Wayne | $1,187 |
| Waynesburg | $1,095 |
| Waynesfield | $1,242 |
| Waynesville | $1,190 |
| Wellington | $1,096 |
| Wellston | $1,475 |
| Wellsville | $1,103 |
| WestAlexandria | $1,239 |
| WestCarrollton | $1,228 |
| WestChester | $1,137 |
| WestElkton | $1,458 |
| WestFarmington | $1,171 |
| WestHill | $1,074 |
| WestJefferson | $1,172 |
| WestLafayette | $1,111 |
| WestLiberty | $1,240 |
| WestManchester | $1,235 |
| WestMansfield | $1,230 |
| WestMillgrove | $1,372 |
| WestMilton | $1,138 |
| WestPoint | $1,353 |
| WestPortsmouth | $1,432 |
| WestSalem | $1,140 |
| WestUnion | $1,460 |
| WestUnity | $1,186 |
| Westerville | $1,047 |
| WestfieldCenter | $1,337 |
| Westlake | $991 |
| Weston | $1,174 |
| Westville | $1,394 |
| Wetherington | $1,139 |
| Wharton | $1,264 |
| Wheelersburg | $1,385 |
| Whipple | $1,175 |
| WhiteCottage | $1,399 |
| WhiteOak | $1,127 |
| Whitehall | $1,158 |
| Whitehouse | $1,101 |
| Wickliffe | $975 |
| Wilberforce | $1,477 |
| Wilkesville | $1,439 |
| Willard | $1,119 |
| Williamsburg | $1,273 |
| Williamsfield | $1,155 |
| Williamsport | $1,279 |
| Williamstown | $1,413 |
| Williston | $1,390 |
| Willoughby | $995 |
| WilloughbyHills | $988 |
| WillowWood | $1,362 |
| Willowick | $993 |
| Willshire | $1,311 |
| Wilmington | $1,194 |
| Wilmot | $1,059 |
| Winchester | $1,471 |
| Windham | $1,091 |
| Windsor | $1,116 |
| Winesburg | $1,366 |
| WingettRun | $1,210 |
| Winona | $1,345 |
| Wintersville | $1,069 |
| Withamsville | $1,114 |
| WolfRun | $1,352 |
| Wolfhurst | $1,097 |
| Woodlawn | $1,103 |
| Woodmere | $1,034 |
| Woodsfield | $1,200 |
| Woodstock | $1,282 |
| Woodville | $1,154 |
| Wooster | $1,049 |
| Worthington | $1,055 |
| Wren | $1,483 |
| Wright-PattersonAirForceBase | $1,225 |
| Wyoming | $1,101 |
| Xenia | $1,201 |
| YellowSprings | $1,145 |
| Yorkshire | $1,211 |
| Yorkville | $1,082 |
| Youngstown | $1,076 |
| Zaleski | $1,501 |
| Zanesfield | $1,275 |
| Zanesville | $1,127 |
| Zoar | $1,373 |
Home and auto insurance bundling in Ohio
Combining your home and auto insurance policies in Ohio is one way to save more on your home insurance. Bundling both insurance policies can save up to $107 on the rate of homeowners insurance in Ohio.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $1,308 | $1,201 | $107 | 8.1% |
Home Insurance Discounts in Ohio
How can you lower the rate of home insurance in Ohio? One way is by using the discounts that your insurer offers. However, be mindful that not all insurers offer every discount available in the market. So, ask your insurer about the discounts offered and the ones you qualify for before buying homeowners insurance in Ohio.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| American Family | ✓ | ✓ | - | ✓ | - | ✓ |
| Erie | ✓ | - | - | - | - | - |
| Lemonade | ✓ | ✓ | - | - | - | ✓ |
Comparing Common Features Across Top Companies
Are you looking for the best home insurance in Ohio? Then check which features your insurer possesses.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| American Family | ✓ | Optional | Optional | ✓ | No |
| Erie | Optional | Optional | Optional | ✓ | ✓ |
| Lemonade | ✓ | Optional | Optional | ✓ | ✓ |
Common Causes of Home Insurance Claims in Ohio
The state has an affordable insurance rate. But before buying a policy, you should know the common causes that may lead to home insurance claims in Ohio.
- Tornadoes: Even though it is not in 'Tornado Alley, the state is prone to tornadoes, with an average of 19 occurring yearly.
- Winter storms: Ohio's winters can be dreadful, with freezing temperatures, ice storms, and abundant amounts of snow. Winter storms can result in frozen and burst pipes, damaged food, roof damage, and power outages. In addition, reconstruction after a winter storm can be expensive.
- Flooding: Flooding is possible in any part of Ohio, but it happens more frequently in the south.
Natural disaster coverage in Ohio
Does homeowners insurance cover flooding in Ohio?
Irrespective of the state, home insurance policies don't cover flooding. So, you need to buy extra coverage to protect your home from flooding. Purchase coverage via the National Flood Insurance Program (NFIP) of FEMA or a private insurer to protect your house against flood damage. Private flood insurance policies may offer different coverage; however, NFIP flood insurance includes the following coverage.
- Your home's structure - $250,000
- Personal property - $100,000
Factors that Affect Home Insurance Rates in Ohio
Are you planning to buy the best homeowners insurance in Ohio? Then consider these factors before buying a home insurance policy.
- Your location: Ohio homeowners insurance rates will be high if you live in an area with a high crime rate.
- Replacement cost: Your insurance cost will vary based on the cost of labor and building materials in your area.
- Age/condition: It is always cheaper to insure newer houses in Ohio than older ones.
- Claims history: Insurers will find you risky if you make claims frequently. Be ready to pay higher premiums for homeowners insurance in Ohio if you frequently make claims.
- Credit history: Most insurers will check your credit score before approving a home insurance policy. You must pay higher premiums if you have a poor credit score.
- Dog breed: Insurers consider some dog breeds as 'dangerous.' If you have a dog that your insurer considers 'dangerous,' you must pay high premiums.
Tips for Buying Homeowners Insurance
Are you looking to buy the best homeowners insurance in Ohio? Then try to follow these tips.
- Assess your rebuilding costs: Ask your insurance agent or a reputable builder how much it would cost to rebuild your home using low-cost materials and local labor.
- Review the advantage of replacement cost over actual cash value: Consider getting replacement cost insurance for your home and personal belongings.
- Consider add-on coverage for your expensive items: Personal property coverage could be necessary if you own costly possessions like high-end electronics, sports equipment, musical instruments, or even antiquities.
- Evaluate your liability coverage needs: Decide the amount of liability insurance you need.
- Assess coverage gaps: Some insurance companies offer higher coverage thresholds for landscaping items like trees and bushes.
- Check financial ratings: All home insurers may have insurance ratings from organizations like AM Best and Standard & Poor's. For instance, some companies won't let you qualify for a mortgage if your insurer doesn't have a minimum 'A' financial strength rating.
- Check for discounts: Ensure you're taking advantage of all discounts your insurer offers.
- Compare quotes from various insurance companies: Different insurance providers may charge different rates for the same home insurance policy in Ohio. So, you should get quotes from several insurers, compare them, and buy the lowest Ohio homeowners insurance.
Most Common Disasters in Ohio
Severe storms and flooding are two disasters that bring considerable damage to Ohio. In addition, the 'lake effect leads to calamitous blizzards and whiteouts.
Disasters by month
According to FEMA, June and August are the months when declared disasters occur maximum in the state.
| Month | Number of disasters |
|---|---|
| January | 6 |
| February | 2 |
| March | 7 |
| April | 6 |
| May | 3 |
| June | 11 |
| July | 7 |
| August | 9 |
| September | 5 |
| October | 1 |
| November | 2 |
Disasters by year
According to FEMA, one declared disaster affects Ohio homeowners each year. For instance, northern Ohio saw a particularly devastating period of freezing rain and heavy snowfall between December 2004 and early January 2005. As a result, thousands of homes got damaged, and more than 1 million individuals experienced power outages.
| Year | Number of disasters |
|---|---|
| 2001 | 1 |
| 2002 | 1 |
| 2003 | 4 |
| 2004 | 3 |
| 2005 | 3 |
| 2006 | 2 |
| 2007 | 1 |
| 2008 | 2 |
| 2009 | 0 |
| 2010 | 0 |
| 2011 | 1 |
| 2012 | 2 |
| 2013 | 1 |
| 2014 | 0 |
| 2015 | 0 |
| 2016 | 0 |
| 2017 | 0 |
| 2018 | 1 |
| 2019 | 2 |
| 2020 | 2 |
How to Get Ohio Home Insurance with Way.com
The average home insurance cost in Ohio is lower than the national average. But, still, you can lower the rate of your Ohio home insurance by using the various discounts that your insurer offers. So, are you still looking for cheap homeowners insurance in Ohio? How can you get it?
That's where Way.com becomes your best friend. Visit our website or app, compare the quotes from various insurers, and buy the one with the cheapest quote. Similarly, our home insurance agents in Ohio can help you. They will help you understand the state's most complex home insurance rules, terms, coverages, and discounts. So, contact our agents if you want to buy the cheapest homeowners insurance in Ohio.
Home Insurance Data Methodology
The home insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
FAQs
What is the average cost of homeowners insurance in Ohio?
On average, Ohio home insurance costs $1,308 yearly.
How much is home insurance a month in Ohio?
On average, homeowners insurance in Ohio costs you $109 annually.
Who has the cheapest home insurance in Ohio?
With an annual average rate of $903, Cincinnati Insurance offers the cheapest home insurance in Ohio.
Is homeowners insurance required in Ohio?
No, Ohio does not have a law requiring homeowners insurance. Still, your mortgage company will probably want to provide you with a loan.
Does Ohio Require Any Special Homeowners Insurance Coverage?
Yes. Standard homeowners insurance in Ohio doesn't cover flooding, wind, ice, and snow damages. To cover these damages, a homeowner must buy additional coverages.
How to Save Money on Homeowners Insurance in Ohio?
You can save money by comparing the quotes from multiple insurers, comparing them, and buying the one with the lowest quote. Also, you can use the various discounts your insurer offers to lower the insurance rates.
Can you shop around for homeowners insurance in Ohio?
Yes. By consulting a local agent or shopping online, you can compare insurance quotes from more than 100 insurers permitted to sell home insurance policies in Ohio.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
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Make changes to your policy right from the app (coming soon) and ask for expert advice.
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