Columbus, OH Homeowners Insurance

The typical homeowners insurance policy costs $ per month in the home of the Buckeyes. Find out how to save.

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Find cheap 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 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.

 
Columbus, Ohio, homeowners insurance — table of contents:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by neighborhood
  4. Rates by deductible amount
  5. Bundling discounts

 

Home insurance in Columbus 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 companies in Columbus, Ohio.

 
CHEAP HOME INSURANCE COMPANIES IN COLUMBUS
CompanyAverage Annual Rate
Cincinnati Insurance$670
Farmers$831
Travelers$894
Erie$943
AAA$951

 

Average homeowners insurance costs in Columbus by coverage amount

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.

 
HOMEOWNERS INSURANCE RATES IN COLUMBUS — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$561
$200K Dwelling$804
$250K Dwelling$995
$400K Dwelling$1,451
 
Compare Homeowners Insurance Rates

 

Columbus homeowners 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 AREAS FOR HOMEOWNERS INSURANCE IN COLUMBUS
ZIP CodeAverage 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 AREAS FOR HOMEOWNERS INSURANCE IN COLUMBUS
ZIP CodeAverage Annual Home Insurance Rate
43207$1,168
43205$1,164
43217$1,164

 

Home insurance deductibles in Columbus

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 COSTS BY DEDUCTIBLE TIER IN COLUMBUS
Deductible LevelAverage Annual Home Insurance Rate
$500$1,093
$1,000$995
$1,500$934
$2,000$882
$5,000$733

 

Money-saving tip: bundle home and auto insurance 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 WITH A POLICY BUNDLE IN COLUMBUS
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
GEICO$724
State Farm$838
Erie$843
Progressive$999
Nationwide$1,304
 

It's worth considering bundling your auto and home policies to save money.

Find an affordable policy today by comparing rates.

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.