Finding homeowners insurance doesn’t need to be confusing. Compare rates by location and carrier below.
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. A homeowners insurance policy defends your dwelling and property in the event of a variety of calamities, such as wind damage, fire, theft, vandalism, and others.
Gulfs exist in home insurance rates on a state-by-state basis. Home insurance policy rates in US states may differ based on the number and total value of homeowners claims filed in that particular state, and depend on the value of the dwelling and belongings being insured.
The best way to find cheap home insurance in Ohio is to shop around and compare rates from as many companies as possible. Get an idea of how much home insurance costs in Ohio by reviewing the below data. Remember: your home insurance rates will vary, depending on your coverage limits.
Home insurance prices in Ohio vary based on the insurance company you select. Cincinnati Insurance underwrites the most affordable home insurance in Ohio, at just $891 yearly. This compares favorably to the state mean cost of $1,265, providing a $373 price break on the typical rates in the state.
Start searching for a home insurance policy by reviewing the best Ohio insurance companies, listed below.
| Company | Average Annual Rate in Ohio |
| Cincinnati Insurance | $891.42 |
| Farmers | $954.04 |
| AAA | $993.57 |
| American Family | $1,062.28 |
| Erie | $1,090.98 |
Not all Ohio cities have the same homeowners insurance rates. Rates depend on local variables such as the likelihood of weather-related claims in the area, meaning your specific ZIP code impact how much you pay.
The most affordable home insurance rates in Ohio are in Cuyahoga Falls. A typical home insurance term in Cuyahoga Falls totals just $971 every 12 months — $294 less than the average Ohio rate. Reference the below table to see the cheapest cities in Ohio for home insurance.
| City | Average Yearly Home Insurance Rate |
| Cuyahoga Falls | $970.78 |
| Parma | $972.44 |
| Strongsville | $991.86 |
| Lorain | $997.86 |
| Lakewood | $1,009.89 |
If you want to save on insurance, consider carrying your home and auto policies with the same insurance company. Bundling auto and home insurance in Ohio can save you a substantial sum each month on auto insurance. In fact, bundling policies in Ohio may generate yearly savings of $95.
| Avg. 12-Month Auto Insurance Rate (No Bundle) | Avg. Annual Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,009.00 | $914.00 | $95.00 | 10% |
One of the best ways to save on auto insurance is to bundle policies. Get started today!