Homeowners Insurance in Ohio

Finding homeowners insurance doesn’t need to be confusing. Compare rates by location and carrier below.

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How to find cheap insurance for your home in Ohio


Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. Homeowners insurance covers your dwelling, personal property, and other buildings from an array of misfortunes, including wind damage, fire, theft, vandalism, and more.

Unlike car insurance, home insurance isn't priced based on state-level laws. Even so, major differences exist in homeowners insurance costs from state to state. Home insurance policy prices in US states may vary based on the value and number of homeowners claims filed across the state, and also on the value of the belongings and home insured on the policy.

The easiest way to find a cheap homeowners insurance policy in Ohio is to compare rates from a variety of insurance companies. Learn how much home insurance costs in Ohio by referencing the below data. Remember: your rates may differ, depending on your coverage limits.


Ohio home insurance:
  1. Rates by company
  2. By city
  3. Rates by coverage amount
  4. Rates by deductible level
  5. Bundling
  6. FAQs

Home insurance prices in Ohio by carrier

Home insurance prices in Ohio vary based on the insurance company you use. Cincinnati Insurance underwrites the most affordable home insurance in Ohio — only $891 per year. This beats Ohio's mean rate of $1,265, offering a $373 discount on the state's average rate.

Start looking for home insurance by reviewing the best Ohio home insurance carriers, listed below.


THE CHEAPEST HOMEOWNERS INSURANCE COMPANIES IN OHIO
CarrierAverage Annual Rate in Ohio
Cincinnati Insurance$891
Farmers$954
AAA$994
American Family$1,062
Erie$1,091

Ohio homeowners insurance costs: by city

Not all Ohio cities have the same homeowners insurance rates. Prices may depend on city-specific variables, including the likelihood of weather-related claims in the area, meaning your specific ZIP code impact how much you pay.

The cheapest homeowners insurance in Ohio is found in Cuyahoga Falls. An average homeowners insurance policy in Cuyahoga Falls costs just $971 per year — $294 less than the statewide average. The below cities have the most affordable home insurance in Ohio.


AFFORDABLE HOME INSURANCE CITIES IN OHIO
CityAverage 12-Month Home Insurance Rate
Cuyahoga Falls$971
Parma$972
Strongsville$992
Lorain$998
Lakewood$1,010

Home insurance costs in Ohio by coverage amount

How much you pay for home insurance coverage is greatly impacted by the level of coverage you choose. In Ohio, carrying $200,000 dwelling coverage costs an average of $924 per year, while maintaining coverage up to $400,000 costs as much as $1,440 per year.


HOMEOWNERS INSURANCE RATES IN OHIO — COMMON COVERAGE AMOUNTS
Coverage LevelAverage Annual Premium
$100,000 Dwelling$564
$200,000 Dwelling$924
$250,000 Dwelling$993
$400,000 Dwelling$1,440

Compare Homeowners Insurance Rates

Home insurance deductibles in Ohio

One of the decisions available when shopping for a homeowners policy is where to set your deductible. The deductible is the total amount that the insured must contribute toward a covered loss. The deductible level you choose can major impact on your homeowners insurance rates.

On the whole, having a lower deductible means that your insurance rates will be higher. This means that those aiming for lower insurance costs will want to seriously consider a higher homeowners deductible. Remember that your deductible should not be so high that you would struggle to pay it in the event of a loss.

The table below illustrates the typical premium costs associated with deductibles offered by most home insurers.


HOME INSURANCE PREMIUMS BY DEDUCTIBLE IN OHIO
Deductible AmountAverage Annual Homeowners Insurance Rate
$500$1,091
$1,000$993
$1,500$934
$2,000$883
$5,000$740

Home and auto insurance bundles in Ohio

If you’re seeking ways to save on your insurance expenditures, consider purchasing both your homeowners and auto insurance policies from one company. Bundling auto and home insurance in Ohio can lead to substantial savings on car insurance. Bundling home and auto policies in Ohio leads to yearly savings of $95.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN OHIO
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,009$914$9510%

A great way to save is to bundle your auto and homeowners insurance policies. Find a policy today!


Looking for information on homeowners insurance in a specific city? Check out our breakdown of significant Ohio cities:

  1. Cincinnati
  2. Cleveland
  3. Columbus
  4. Toledo

Ohio home insurance FAQs


Does Esurance offer homeowners insurance in Ohio?

Yes - Esurance offers homeowners insurance in 31 states, including Ohio.

Does home insurance cover foundation problems in Ohio?

If your foundation is damaged as a result of a covered peril (tornado, fire, etc...) your homeowners insurance will cover it. However, this is not always the case. Flood and earthquake damage are not typically covered under standard homeowners policies. As such, foundation problems arising due to these perils will not be covered. Also, standard homeowners policies don't cover wear and tear, meaning that cracks and other problems need to be addressed before they become much bigger issues.

Do you have to have home insurance in Ohio?

The state of Ohio does not require you to carry homeowners insurance, but the coverage is highly recommened in order to protect you and your investment. Furthermore, your mortgage lender is highly likely to require it as a stipulation in the lending agreement.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.