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How to find affordable homeowners insurance in Columbus

Home insurance is a critical element of homeownership. Along with personal property, homeowners insurance covers your dwelling in the event of many perils, including theft, fire, wind damage, and vandalism. Incidents like this occur frequently. When paired with the high cost of repairing or rebuilding a house, purchasing coverage could be a smart idea. The average homeowners policy costs $93 per month in Columbus, Ohio. This is less than the average American's monthly home insurance payment.

The price of a home insurance policy is dependent on a number of factors. These include your dwelling's value, the value of your personal belongings, and the cost of the materials used to build 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. Discover more info about what a home insurance policy covers.

Finding the cheapest home insurance in Columbus starts with shopping around and comparing policies. Take a look at the summary below showing average Columbus homeowners insurance costs to ensure you start your search with as much background info as possible.

Remember: your insurance rates may vary based on your coverage limits and other factors.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings

 

Columbus home insurance by company

What you pay for homeowners insurance in Columbus will depend on the insurance company you get your policy through. The most inexpensive home insurance in Columbus comes from Cincinnati Insurance, which offers average annual rates of just $670 per year. This is more favorable than the city’s average home insurance premium of $1,113.

To get started with your homeowners insurance policy search, peruse the cheapest home insurance carriers in Columbus, Ohio. We recommend you also check out our list of the best home insurance companies ranked by customer satisfaction, third-party ratings, and other factors. 

 
AFFORDABLE HOME INSURERS IN COLUMBUS
Company Average Annual Rate
Cincinnati Insurance $670
Farmers $831
Travelers $894
Erie $943
AAA $951

 

Columbus homeowners insurance prices by coverage level

The amount of home coverage you select has an impact on your insurance premiums. In Columbus, carrying $200K dwelling coverage costs an average of $804, while carrying additional coverage up to $400K costs $1,451 per year.

 
POPULAR COVERAGE LIMITS IN COLUMBUS
Coverage Level Average Annual Rate
$100K Dwelling $561
$200K Dwelling $804
$250K Dwelling $995
$400K Dwelling $1,451

 

Columbus home insurance rates by ZIP code

Depending on the part of Columbus in which you reside, you could see a dramatic difference in your home insurance costs. The number of claims filed in your immediate area can be a factor in determining the price of your policy. Put simply, the neighborhood you live in could have a huge impact on what you pay for homeowners coverage.

If you're looking for the cheapest home insurance rates in Columbus, take a look at the 43035 ZIP code. In this area, home insurance usually costs just $1,029 per year on average: $85 less than the overall average for Columbus. The below table shows the best places to live in Columbus for affordable homeowners insurance.

 
AFFORDABLE HOME INSURANCE AREAS IN COLUMBUS
ZIP Code Average Annual Home Insurance Rate
43035 $1,029
43240 $1,047
43065 $1,051

 

Other areas of Columbus, it should be noted, face homeowners rates that are higher than the city average. Crime rates, fire risk, and a home's proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, in turn raising rates. One of the costliest ZIP codes for home insurance in Columbus is 43207, with an annual average rate of $1,168.

 
EXPENSIVE HOME INSURANCE AREAS IN COLUMBUS
ZIP Code Average Annual Home Insurance Rate
43207 $1,168
43205 $1,164
43217 $1,164

 

Columbus homeowners insurance deductibles

Homeowners have a lot of choices to make when purchasing a homeowners insurance policy, including how much their deductible should be. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. The deductible that you choose can impact your insurance rates directly.

In general, having a low deductible means that your insurance premiums will be higher. As such, if you want lower insurance rates, aim for a higher deductible. It's worth noting that a homeowners deductible should only be as high as you can reasonably pay in the event of a loss.

Take a look at the average deductibles offered by insurers and an estimate of average homeowners insurance rates.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN COLUMBUS
Deductible Level Average Annual Homeowners Insurance Rate
$500 $1,093
$1,000 $995
$1,500 $934
$2,000 $882
$5,000 $733

 

Home and auto insurance bundling in Columbus

If saving money is something you are worried about, you might purchase insurance for your home and auto through the same insurance company. Bundling home and auto insurance is often a prudent option.

By bundling your policies, Columbus homeowners could see annual savings of 10% on average.

 
CHEAPEST CAR INSURANCE RATES WITH HOME BUNDLE IN COLUMBUS
Company Avg. Annual Auto Insurance Rate (With Bundle)
GEICO $724
State Farm $838
Erie $843
Progressive $999
Nationwide $1,304

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Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.