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Renters insurance isn't required, but it is important. A renters policy keeps your personal items protected. Renters insurance protects your items in the event of fire or smoke damage, wind damage, vandalism or theft, and a number of other circumstances.
Unlike car insurance, renters insurance isn't priced based on state laws. Regardless, there are relatively large gaps in renters insurance prices by state. Renters insurance policy prices in a given state differ depending on the number of — and value of — renters claims filed across the state, and depend on the price of the belongings you're insuring.Getting renters insurance in Ohio is less expensive than the nationwide average. The average annual cost of renters insurance in Ohio is $166, $18 less expensive than the national average.
The easiest way to find an affordable renters insurance policy in Ohio is to view prices from as many insurers as possible. Learn more about renters insurance costs in Ohio by reviewing the below data. Individual rates may vary depending on coverage options and the value of the items insured.
Rates for renters insurance in Ohio differ depending on which insurer you choose. Cincinnati Insurance offers the cheapest renters insurance in Ohio, at only $75 per year. This beats the state mean cost of $166, providing a 55% discount on the typical rates in the state.
Start your search for renters insurance by reviewing the cheapest Ohio carriers, listed below.
| Carrier | Average Yearly Rate in Ohio |
| Cincinnati Insurance | $74.62 |
| USAA | $94.07 |
| Motorist Mutual | $100.87 |
| Erie | $109.62 |
| American Select | $132.85 |
Not all Ohio cities have the same renters insurance rates. Policy rates rely on on local variables such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.
The cheapest renters insurance in Ohio is found in Strongsville. A typical renters insurance term in Strongsville totals just $149 per year — $17 less than the average Ohio rate. Reference the below table to see the cheapest cities in Ohio for renters insurance.
| City | Average 12-Month Renters Insurance Rate |
| Strongsville | $149 |
| Parma | $150 |
| Lakewood | $150 |
| Lorain | $152 |
| Euclid | $153 |
To trim a few dollars from your insurance costs, consider purchasing your renters and auto policies from the same insurance company. Bundling renters and auto insurance in Ohio can lead to substantial savings on auto insurance. Bundling policies in Ohio may earn you a yearly discount of $51.
| Avg. 12-Month Auto Insurance Rate (No Bundle) | Avg. Yearly Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,032.06 | $981.04 | $51.01 | 5% |
One of the best ways to save on auto insurance is to bundle policies. Find a policy today!
Searching for renters insurance info for a specific city? Check out our listof the most populous cities 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.
Yes - Esurance offers renters insurance in Ohio.