Columbus Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Columbus


Homeowners insurance is a critical element of homeownership. Along with your home furnishings and other belongings, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the substantial cost of replacing a home, a homeowners insurance policy is a solid investment.

The cost of homeowners insurance coverage depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. The location of your home can also play a large role in home much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Discover more information about what a home insurance policy covers.

If you want to find affordable home insurance coverage in Columbus, start with shopping around and comparing a variety of different policies. Have a look at the summary below comparing average home insurance rates in Columbus to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


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

Homeowners insurance in Columbus by insurance company

Homeowners insurance rates in Columbus vary from one insurance company to another. The most affordable home insurance in Columbus is Cincinnati Insurance offering average annual rates at just $670 per year. This is considerably cheaper than the city’s average homeowners premium of $1,113.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Columbus, Ohio.


AFFORDABLE 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 level

How much you pay for home insurance coverage is greatly impacted by the level of coverage you choose. In Columbus, carrying $200K dwelling coverage costs an average of $804, while carrying additional coverage up to $400K costs $1,379 per year.


HOMEOWNERS INSURANCE RATES IN COLUMBUS — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$804
$400K Dwelling$1,379

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Columbus home insurance prices by ZIP code

Home insurance premiums can vary depending on what part of Columbus in which you live. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, the neighborhood you live in can dramatically affect your home insurance premium.

If you're looking for the cheapest homeowners coverage in Columbus, take at look at the 43035 ZIP code. In the 43035 area, homeowners coverage usually costs just $1,029 on average — a full $85 less than the Columbus average. If you’re looking for the areas with the least expensive homeowners premiums in Columbus, have a look at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN COLUMBUS
ZIP CodeAverage Annual Home Insurance Rate
43035$1,029
43240$1,047
43065$1,051

On the other hand, some areas of Columbus face higher homeowners insurance costs, on average. Such areas might face a higher probability of perils such as severe weather and fires. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. An average annual rate of $1,168 makes 43207 the most expensive ZIP code in Columbus for home insurance.


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



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Looking for a money-saving tip for insurance in Columbus? Try bundling

If you’re looking for savings on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. In fact, bundling policies in Columbus leads to average annual savings of 10%.


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

Bundling your homeowners and auto policies can be a great way to save some money on insurance. To speak with an insurance professional, give us a call at 855-493-9728 today.


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