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Best homeowners insurance in Ohio for 2023

Our picks for the best homeowners insurance companies in Ohio are Allstate, State Farm, Auto-Owners, American Family and Buckeye State Mutual Insurance.

Updated May 04, 2023
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Compare the best homeowners insurance companies in Ohio 

The average cost of home insurance in Ohio is $1,140 per year for $250,000 in dwelling coverage, or about $95 per month. But several companies in the Buckeye State offer lower average rates. Based on our analysis of rates from Quadrant Information Services, third-party customer service scores from the J.D. Power 2022 U.S. Home Insurance Study, financial strength ratings from AM Best and other factors, we found that the best home insurance companies in Ohio are  Allstate, State Farm, Auto-Owners, American Family and Buckeye State Mutual Insurance . These providers stand out for their average rates, available discounts, solid financial and customer service ratings and other important factors. Homeowners in Ohio can also weigh several other options for the best homeowners insurance in Ohio.

If you are shopping for the best Ohio homeowners insurance options, the following companies might be a good starting point:

Allstate
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
AM Best
A+
J.D. Power
816
/1,000
Average monthly premium
$72
Average annual premium
$869
Get a quote
State Farm
Rating: 3.2 stars out of 5
3.2
Bankrate Score
Info
AM Best
A++
J.D. Power
829
/1,000
Average monthly premium
$105
Average annual premium
$1,255
Read review
Auto-Owners
Rating: 3.2 stars out of 5
3.2
Bankrate Score
Info
AM Best
A++
J.D. Power
825
/1,000
Average monthly premium
$79
Average annual premium
$942
Get a quote
American Family
Rating: 3.1 stars out of 5
3.1
Bankrate Score
Info
AM Best
A
J.D. Power
842
/1,000
Average monthly premium
$61
Average annual premium
$736
Get a quote
Buckeye State Mutual Insurance
AM Best
B+
J.D. Power
Not rated
Average monthly premium
$31
Average annual premium
$374
Get a quote
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The top five home insurance companies in Ohio

Best for bundling

Rating: 3.5 stars out of 5
3.5 Bankrate Score
JD Power: 816 AM Best: A+

Average annual premium

$ 869 for $250k dwelling
Allstate Review

Explore Bankrate's review

Why Allstate made our list: Allstate offers lower-than-average home insurance premiums with savings opportunities including discounts for early signing, being claims free and a new homebuyer. Best yet, if you purchase auto and homeowners insurance with Allstate, you could get a multi-policy discount of up to 25 percent. Allstate also offers numerous coverage options that could help you tailor your policy to your needs, including electronic data recovery, water backup and sports equipment coverage. However, Allstate scored below the industry average for overall customer satisfaction in the J.D. Power home insurance study and lands high on the NAIC’s customer complaint index. Shoppers who prioritize customer service may want to do further research before switching.

Who Allstate may be good for: For Ohio homeowners in need of car insurance, Allstate may be good for those who want to save money through bundling and possibly additional discounts on both home and auto insurance.

Best for local offices

Rating: 3.2 stars out of 5
3.2 Bankrate Score
JD Power: 829 AM Best: A++

Average annual premium

$ 1,255 for $250k dwelling
State Farm Review

Explore Bankrate's review

Why State Farm made our list: With hundreds of local agents throughout Ohio, State Farm might really appeal to people who like to handle their home insurance needs in person. If you prefer to do business digitally, State Farm ranked second in the J.D. Power 2022 U.S. Insurance Digital Experience Study for service. The company’s average Ohio home insurance premium is slightly higher than the state average, but that higher premium may be worthwhile with the ability to add numerous endorsements to personalize your policy. State Farm also partners with Ting, a mobile network service, to provide a free device that could help you detect an issue in your home’s wiring before it can start a fire. The company does, however, have a higher-than-average Complaint Index with the National Association of Insurance Commissioners (NAIC), so there is some indication that customers don’t always have a great experience.

Who State Farm might be good for: State Farm may be worth exploring for homeowners who want an in-person home insurance experience from a local agent who understands Ohio home insurance needs. It might also be a good option for people who also want the flexibility of switching between doing business in person and online.

Best for coverage options

Rating: 3.2 stars out of 5
3.2 Bankrate Score
JD Power: 825 AM Best: A++

Average annual premium

$ 942 for $250k dwelling
Auto-Owners Insurance Review

Explore Bankrate's review

Why Auto-Owners made our list: Auto-Owners has robust policy offerings for Ohio homeowners insurance, with add-on options like guaranteed home replacement cost, equipment breakdown, home cyber protection and identity theft coverage available. Auto-Owners also offers a homeowners plus package, which gives increased coverage limits for food spoilage, equipment breakdown and other valuable coverages. Another unique feature of Auto-Owners home insurance policy is the option to include an inland flood endorsement, rather than buying a separate flood insurance policy. The company offers an array of discounts, including savings for paperless policies, mortgage-free customers and customers who have an automatic backup generator. 

Who Auto-Owners may be good for: Those looking for ways to customize their Ohio homeowners insurance to their specific needs may want to consider Auto-Owners. The company also has a long list of potential discounts that may help offset the cost of optional coverage choices and endorsements.

Best for customer satisfaction

Rating: 3.1 stars out of 5
3.1 Bankrate Score
JD Power: 842 AM Best: A

Average annual premium

$ 736 for $250k dwelling
American Family Insurance Review

Explore Bankrate's review

Why American Family made our list: American Family, or AmFam, offers rates that are lower than the Ohio average, with three homeowners packages to choose from. Its traditional and premier protection packages include add-ons that are typically optional, like identity fraud, service line and equipment breakdown coverage. AmFam boasts a second-place score for overall customer satisfaction according to J.D. Power and a lower-than-average number of customer complaints with the NAIC. It also carries an AM Best financial strength rating of A (Excellent). The company did, however, score just below average in the J.D. Power 2022 U.S. Insurance Digital Experience Study.

Who American Family may be good for: American Family may be good for Ohio homeowners who want a great customer experience. This carrier has high customer satisfaction scores with J.D. Power, which shows it prioritizes policyholder needs.

Best for cheap average rates

JD Power: Not rated AM Best: B+

Average annual premium

$ 374 for $250k dwelling
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Buckeye State Mutual Insurance made our list: Buckeye State Mutual Insurance is a regional insurer based in Piqua, Ohio, with policyholders in Indiana, Kansas and Ohio with local agents who may be more in tune with the insurance needs of homeowners in Ohio. The company also offers average rates far below the Ohio average. You may be able to add various endorsements to fit your needs, including identity fraud protection for social media and for mobile apps, as well as equipment breakdown coverage. Some shoppers may appreciate the company’s local flair, but if you move outside of Indiana, Kansas and Ohio, you’ll likely have to find a new home insurance provider.

Who Buckeye State Mutual Insurance may be good for: Ohio homeowners who are on a budget but still want customizable coverage options might find Buckeye State Mutual Insurance to be a good fit.

How Bankrate chose the best home insurance companies in Ohio

Bankrate chose the best Ohio homeowners insurance companies by comparing average rates, third-party rankings, coverage options, discount opportunities and customer satisfaction among carriers available in the state. To help shoppers choose a provider that is right for them, our Bankrate Score weighs average cost, customer satisfaction ratings, coverage, discounts and financial strength scores on a scale of 0.0 to 5.0 points, with 5.0 being the highest possible score. The higher the rating, the more the company excels in each category.

How much is homeowners insurance in Ohio?

Ohio homeowners insurance costs, on average, $1,140  per year for $250,000 in dwelling coverage, which is 20 percent less than the national average of $1,428  per year. Reasonably priced homeowners insurance is relatively common in the Midwest. For example, homeowners in Indiana pay an average of $1,225  annually for the same amount of coverage, and Wisconsin homeowners pay an average of $890 annually.

While the likelihood of year-round storm damage is relatively high in Ohio, the state does not face the same risks as many other areas in the U.S., which may be part of why the state has lower average home insurance rates. Unlike portions of the Western U.S., earthquakes aren’t common in Ohio. Neither is catastrophic hurricane damage, which is common on the East and Gulf Coasts. The cost of repairs and rebuilding may also be lower in Ohio than it is in many other parts of the country, due to the low cost of living in the Buckeye State.

Average annual premium by coverage level in Ohio

$150K
$693
$250K
$869
$350K
$1,047
$450K
$1,248
$750K
$1,934
$150K
$890
$250K
$1,255
$350K
$1,530
$450K
$1,891
$750K
$2,951
$150K
$725
$250K
$942
$350K
$1,177
$450K
$1,435
$750K
$2,250
$150K
$586
$250K
$736
$350K
$881
$450K
$1,020
$750K
$1,412
Buckeye State Mutual Insurance
$150K
$314
$250K
$374
$350K
$426
$450K
$474
$750K
$605
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Where you live in the state of Ohio will affect how much you pay for homeowners insurance. Each city has its own population density, crime rates, weather conditions and claims statistics that impact rates for the area. According to our research of Ohio cities, the cheapest cities by average annual homeowners insurance premium with $250,000 in dwelling coverage are 12 percent cheaper than the state average:

  • Brecksville: $1,008
  • Leetonia: $1,008
  • Wooster: $1,008
  • Apple Creek: $1,009
  • Marshallville: $1,009

Besides the factors listed above, cost of living, home prices and local repair costs also influence homeowners insurance rates. This is why if you remain in the same state but move to a different ZIP code, your homeowners insurance rates can change, even if you buy a similar-size and age home. We found the most expensive cities by average annual homeowners insurance premium with $250,000 in dwelling coverage in Ohio are 13-14 percent higher than the state average:

  • Sharpsburg: $1,294
  • Duncan Falls: $1,293
  • Haydenville: $1,292
  • Rockbridge: $1,292
  • Aberdeen: $1,291

How to find the best cheap home insurance in Ohio

Even if you don’t want to skimp on coverage, many Ohio homeowners may be on a budget and looking to save on insurance costs. Although home insurance isn’t mandatory, it’s often an essential tool to provide financial security in the event your home is damaged by a covered loss. Consider these steps when looking for the best cheap home insurance in Ohio:

  1. Understand your coverage needs. Not every home or homeowner has the same coverage needs. Working with a local agent can help you identify what coverage options are best for you and your home.
  2. Know your home. When you get a quote for home insurance, there are pertinent details you need to know about your home. These include the year it was built, square footage, age of home appliances like roof, plumbing and heating. Also, make note of any upgrades or remodeling with year completed and any unique characteristics or features your home has.
  3. Get several quotes. Finding cheap home insurance often means comparing quotes. Getting quotes from different carriers for the same coverage can help you find the carriers with the most affordable rates.
  4. Ask about coverage options and discounts. During the quoting process, don’t be afraid to ask questions. Find out what coverage options the company offers and what discounts are available to you. Knowing what you’re eligible for can help you narrow down your choices for the best cheap home insurance in Ohio.

Common home insurance discounts in Ohio

Although discounts can vary by company, these are some of the most common home insurance discounts in Ohio you may be eligible for:

Types of home insurance in Ohio

Homeowners insurance is designed to financially protect you from having to repair or replace your home after a covered loss.  Ohio experiences tornadoes, winter storms and flooding, which may make these coverage options valuable for Ohio home insurance: 

  • Wind coverage: Standard homeowners insurance policies in Ohio typically include coverage for damage caused by high winds and tornadoes, but you may want to confirm this with your agent due to the state’s risk.
  • Weight of ice and snow coverage: Most Ohio home insurance policies cover damage caused by the weight of ice and snow automatically, but again, because Ohio’s winters can be brutal, you might want to confirm this with your insurance carrier.
  • Flood insurance: Homeowners insurance does not typically cover damage caused by flooding. For that, you will need to purchase a separate flood insurance policy underwritten by the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program (NFIP) or a private flood insurer. Some homeowners carriers offer this coverage as an endorsement.

Frequently asked questions

Written by
Mandy Sleight
Insurance Contributor

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute