Ohio Homeowners Insurance

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

How to find affordable homeowners insurance 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. A home insurance policy defends your home and your items against a number of circumstances, including wind damage, fire, theft, vandalism, and more.

Unlike auto insurance, homeowners insurance isn't priced based on state laws. That said, major differences exist in home insurance rates on a state-by-state basis. Home insurance prices by state differ based on the frequency of — and value of — homeowners policy claims submitted in that state, and also on the value of the belongings and property you're covering.

The easiest way to find high-quality homeowners insurance in Ohio is to get quotes from as many homeowners insurance companies as you can. Learn more about average home insurance rates in Ohio via the below data. Remember: your home insurance rates will vary, depending on your coverage limits.


Homeowners insurance in Ohio:
  1. By company
  2. Costs by city
  3. Bundling home and auto insurance
  4. FAQs

Homeowners insurance rates in Ohio by carrier

Homeowners insurance rates in Ohio will vary depending on which insurance company you select. Cincinnati Insurance offers the best deal on homeowners insurance in Ohio — only $891 per year. This is less than the state average cost of $1,265, providing a $373 price cut on the state's average rate.

Get a head start on looking for a homeowners insurance policy by reviewing the most affordable Ohio insurance companies, listed below.


AFFORDABLE HOME INSURANCE COMPANIES IN OHIO
CompanyAverage Annual Rate in Ohio
Cincinnati Insurance$891.42
Farmers$954.04
AAA$993.57
American Family$1,062.28
Erie$1,090.98

Ohio home insurance by city

Not all Ohio cities have the same homeowners insurance rates. Rates are determined based on on city-specific variables, such as the number of claims filed in the immediate area, meaning your specific ZIP code impact how much you pay.

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


CHEAPEST HOME INSURANCE CITIES IN OHIO
CityAverage Annual Home Insurance Rate
Cuyahoga Falls$970.78
Parma$972.44
Strongsville$991.86
Lorain$997.86
Lakewood$1,009.89

Ohio insurance bundling discounts: home + auto

If you want to save on homeowners insurance, consider purchasing both your home and auto insurance policies from one company. A home and car insurance bundle in Ohio can save you a substantial sum each month on your auto insurance policy. Bundling home and auto policies in Ohio leads to an average annual savings of $95.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN OHIO
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,009.00$914.00$95.0010%

One of the best ways to save on auto insurance is to bundle policies. Find a policy today!


Seeking information on home insurance in a specific city? Check out our breakdown of populous 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.





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