Cincinnati Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find affordable homeowners insurance in Cincinnati


Home insurance is a hugely important part of owning a home. Fire, vandalism, theft, and wind damage are just some of the perils for which home insurance can protect your dwelling and other personal belongings. Incidents like this occur frequently. When paired with the high cost of repairing or rebuilding a house, investing in an expansive homeowners policy can seem like a smart move.

The price of a homeowners insurance policy depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Learn more information about what your homeowners insurance policy covers.

If you want to find cheap home insurance coverage in Cincinnati, start with shopping around and comparing different policies. Have a look at the summary below comparing average Cincinnati homeowners insurance rates to ensure you start your search with as much background info as possible. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


Cincinnati, Ohio, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Cincinnati by insurance company

What you pay for homeowners insurance in Cincinnati will depend on the insurance company you get your policy through. The most inexpensive home insurance in Cincinnati comes from Cincinnati Insurance, which offers average annual rates of just $767 per year. This is more favorable than the city’s average homeowners premium of $1,103.

Below you'll find a list of the cheapest homeowners insurance companies in Cincinnati, Ohio to help you start your search.


AFFORDABLE HOME INSURANCE COMPANIES IN CINCINNATI
CompanyAverage Annual Rate
Cincinnati Insurance$767
AAA$906
Allstate$921
Erie$947
State Farm$956

Average homeowners insurance costs in Cincinnati by coverage level

Your chosen amount of homeowners coverage determines the insurance premiums you pay . In Cincinnati, carrying $200K dwelling coverage costs an average of $816, while carrying additional coverage up to $400K costs $1,415/year.


HOMEOWNERS INSURANCE RATES IN CINCINNATI — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$816
$400K Dwelling$1,415

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Cincinnati home insurance prices by ZIP code

Depending on which part of Cincinnati you live in, you could see vastly different home insurance costs. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, the location of your home could have a huge impact in what you pay for homeowners coverage.

The cheapest home insurance rates in Cincinnati are available in 45227. In 45227, the typical home insurance policy costs $1,077 per year — $26 less than the citywide average in Cincinnati. If you’re looking for the areas with the least expensive homeowners insurance rates in Cincinnati, have a look at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN CINCINNATI
ZIP CodeAverage Annual Home Insurance Rate
45227$1,077
45242$1,077
45249$1,078

Other parts of Cincinnati, however, are prone to home insurance costs that are higher on average. Fire risks, crime rates, and even your proximity to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up premiums in the area. With an annual average premium of $1,166, 45221 comes in as the priciest ZIP code in Cincinnati for homeowners insurance.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN CINCINNATI
ZIP CodeAverage Annual Home Insurance Rate
45221$1,166
45235$1,158
45234$1,157



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Money-saving tip: bundle home and auto insurance in Cincinnati

If you’re searching for savings on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. In fact, bundling policies in Cincinnati leads to average annual savings of 8%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN CINCINNATI
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$968
Progressive$975
Allstate$1,160
Liberty$1,191
State Farm$1,216

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. To speak with an insurance expert, give us a call at 855-493-9728 today.


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