How to get affordable renters insurance in Ohio
Renters insurance isn't required, but it is important. A renters policy keeps your personal items protected. Renters insurance protects your belongings against smoke or fire damage, wind damage, theft or vandalism and a collection of other circumstances.
Unlike auto insurance, renters policies aren’t priced based on state-level legislation. Regardless, there are surprisingly large gaps in renters pricing by state. Policy prices by state differ depending on the number of — and value of — renters insurance claims filed statewide, and depend on the price of the belongings you're insuring.
Getting renters insurance in Ohio is cheaper than the national average. The average annual cost of renters insurance in Ohio is $166, $18 less expensive than the average across America.
The best way to find an affordable renters insurance policy in Ohio is to view prices from as many companies as possible. Learn more about renters insurance costs in Ohio by reviewing the below data. Your rates may vary, depending on your coverage limits and the valuation of your belongings.
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Renters insurance prices in Ohio by company
Prices for renters insurance in Ohio differ depending on the insurance company you choose. Cincinnati Insurance offers the most affordable renters insurance in Ohio — only $75 yearly. This compares favorably to the state average rate of $166, offering a 55% discount on average policy costs statewide.
Get a head start on looking for affordable coverage by viewing average rates from top Ohio insurance companies, listed below.
AFFORDABLE RENTERS INSURANCE COMPANIES IN OHIO
| Company | Average Annual Rate in Ohio |
| Cincinnati Insurance | $75 |
| USAA | $94 |
| Motorist Mutual | $101 |
| Erie | $110 |
| American Select | $133 |
Ohio renters insurance costs by city
Renters insurance rates in Ohio differ by city. Rates are determined based on on city-specific variables, such as the number of claims filed in the immediate area, giving your ZIP code weight in deciding how much you pay.
The best renters insurance in Ohio is found in Strongsville. The average renters insurance policy in Strongsville costs $149 every 12 months — $17 less than the state average. The below cities have the most affordable renters insurance in Ohio.
CHEAPEST CITIES FOR RENTERS INSURANCE IN OHIO
| City | Average Yearly Renters Insurance Rate |
| Strongsville | $149 |
| Parma | $150 |
| Lakewood | $150 |
| Lorain | $152 |
| Euclid | $153 |
Looking for info on renters insurance for a particular city? Check out our listof the most populous cities in Ohio.
Renters insurance in OH by coverage tier
The cost of your renters insurance depends on the amount of coverage you opt to carry. Common renters insurance tiers are $25,000 and $50,000 property coverage. In Ohio, the difference in annual premium between these two tiers is roughly $59. If you can afford the up-front expense, it's worth considering.
| Coverage Level | Average Yearly Renters Insurance Rate in Ohio |
| $25K Property | $137 |
| $50K Property | $195 |
Tip: bundle auto and renters insurance in Ohio
If you want to save on insurance, consider holding your car and renters policies with the same insurance company. A renters and car insurance bundle in Ohio can save you a substantial sum each month on your auto insurance policy. Purchasing bundled policies in Ohio leads to an a yearly discount of $51.
CAR AND RENTERS BUNDLING DISCOUNTS IN OHIO
| Avg. Annual Rate (No Bundle) | Avg. Annual Rate (w/ Bundle) | Annual Savings ($) | Annual Savings (%) |
| $1,032 | $981 | $51 | 5% |
Ohio renters insurance FAQs
Is renters insurance required in Ohio?
While renters insurance is not mandatory in the state of Ohio, landlords can require tenants to carry renters insurance as part of their rental agreement. Your landlord's insurance policy covers only the property itself -- not your personal belongings.
What does Ohio renters insurance cover?
A standard renters policy in Ohio will cover your liability, personal property, medical payments to others, and additional living expenses.
