Ohio Renters Insurance

Finding renters insurance doesn’t need to be confusing. Compare rates by location and carrier below.

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How to find cheap 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 car 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.


Ohio renters insurance:

  1. Rates by company
  2. Rates by city
  3. Renters-and-auto bundling discounts
  4. FAQs

Renters insurance prices in Ohio by carrier

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.


RENTERS INSURANCE RATES IN OHIO: BY COMPANY
CompanyAverage Annual Rate in Ohio
Cincinnati Insurance$75
USAA$94
Motorist Mutual$101
Erie$110
American Select$133

Ohio renters insurance 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.


AFFORDABLE RENTERS INSURANCE CITIES IN OHIO
CityAverage Yearly Renters Insurance Rate
Strongsville$149
Parma$150
Lakewood$150
Lorain$152
Euclid$153

Ohio renters insurance premiums by coverage level

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 LevelAverage Yearly Renters Insurance Rate in Ohio
$25K Property$137
$50K Property$195

How to bundle renters and auto 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.


RENTERS AND AUTO INSURANCE BUNDLING DISCOUNTS IN OHIO
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,032$981$515%


You can save money on insurance by bundling your renters and auto policies. Compare rates today!


Looking for info on renters insurance for a particular city? Check out our listof the most populous cities in Ohio.

  1. Cincinnati
  2. Cleveland
  3. Columbus
  4. Toledo

Ohio renters insurance FAQs


Can a landlord require renters insurance in Ohio?

Yes, landlords can require tenants to purchase and maintain renters insurance in Ohio. Your landlord's insurance policy covers only the property itself -- not your personal belongings. Renters insurance covers your personal property and offers a certain amount of liability protection.

Does Esurance offer renters insurance in Ohio?

Yes - Esurance offers renters insurance in Ohio.



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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.