Renters Insurance in Cincinnati, OH

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Renters insurance in Cincinnati, Ohio

Renters insurance is critical if you're renting a house or an apartment. Renters insurance covers your dwelling and most property within it against a variety of harms, including vandalism, wind damage, theft, or fire. Given the likelihood of one of these incidents, the affordability of rental coverage, and the relatively high cost of replacing your property, a renters insurance policy is a solid investment.

The cost of your renters insurance will rely on a number of contributing factors, including your building's age, the material from which it’s made, its geographic location, and the pricing guidelines of your insurance company. In areas in which fire, lightning, wind, or hail are common, renters insurance could be more expensive.

The average annual renters insurance rate in Cincinnati is $165.

Finding affordable renters insurance in Cincinnati starts with shopping around and comparing policies. Check out our breakdown of average Cincinnati renters insurance premiums to commence your purchase process with as much background info as possible. Remember: rates may vary based on your coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Car and renters insurance discounts

Popular renters insurance companies in Cincinnati

How much you pay for renters insurance in Cincinnati depends on the insurance company. For instance, Cincinnati Insurance offers the cheapest renters insurance in Cincinnati, at just $71 per year. This compares favorably to the city's typical renters insurance cost of $165, providing a $95 price cut on typical rates in the city.

Start your search for a renters insurance policy by reviewing the cheapest companies in Cincinnati.

CompanyAverage Annual Rate in Cincinnati
Cincinnati Insurance$71
Motorist Mutual$100
Grange Insurance$108

Cincinnati renters insurance pricing by coverage tier

The cost of your renters insurance depends on the amount of coverage you carry. Common renters insurance tiers are $25,000 and $50,000 property coverage. In Cincinnati, the average annual cost difference between these tiers is roughly $58. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.

Coverage LevelAverage Annual Rate in Cincinnati
$25K Property$136
$50K Property$194

Tip: bundle your auto and renters insurance policies in Cincinnati

If you’re looking to save, consider carrying your renters and auto policies under the same insurance company. Bundling renters and car insurance in Cincinnati can lead to substantial savings. In fact, bundling renters and auto insurance leads to average savings of 5.2% on car insurance rates. The car insurance company offering the most affordable rate with a renters bundle is GEICO, followed by Erie and Progressive.

Annual Bundle SavingsBundle Savings %

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