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Best homeowners insurance in Ohio for 2023

Some of our picks for the best home insurance companies in Ohio are Allstate, State Farm and Auto-Owners.

Updated Nov 02, 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 Bankrate's analysis of rates from Quadrant Information Services, third-party customer service scores from the J.D. Power 2023 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 Insurance. These providers stand out for their low average rates, plentiful discounts, and solid financial and customer service ratings.

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

Insurance company AM Best J.D. Power Average monthly premium Average annual premium*
A+
809
/1,000
$72
$869
Get a quote
A++
829
/1,000
$105
$1,255
Read review
A++
834
/1,000
$79
$942
Get a quote
A
813
/1,000
$61
$736
Get a quote
Buckeye State Mutual Insurance
B+
Not rated
$31
$374
Get a quote
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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.

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The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

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Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
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100% of homes
need insurance before getting a mortgage
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The top 5 home insurance companies in Ohio

Allstate

Best for bundling

Rating: 3.5 stars out of 5
3.5 Bankrate Score
JD Power: 809/1,000 AM Best: A+

Average annual premium

$ 869 for $250k dwelling coverage
Allstate Review Get a personalized quote

Why Allstate made our list: Compared to other home insurance premiums in Ohio, Allstate offers one of the lowest average rates. Homeowners may have additional opportunities to save by taking advantage of the company’s various discounts, such as those for early signing, being claims-free, enrolling in automatic payments and being a new homebuyer. By bundling your auto and homeowners insurance policies with Allstate, you could even receive a multi-policy discount of up to 25 percent. However, the company scored below the industry average for overall customer satisfaction per J.D. Power. If you’re an Ohio homeowner who prioritizes customer service, you may want to do further research before switching.

Who Allstate may be good for: Allstate may be good for Ohio homeowners seeking to purchase multiple insurance products through one insurer to earn a substantial bundling discount.

State Farm

Best for local offices

Rating: 3.2 stars out of 5
3.2 Bankrate Score
JD Power: 829/1,000 AM Best: A++

Average annual premium

$ 1,255 for $250k dwelling coverage
State Farm Review Get a personalized quote

Why State Farm made our list: With hundreds of local agents throughout Ohio, State Farm might appeal to people who like to handle their home insurance needs in person. If you prefer to do business digitally, State Farm performed well in J.D. Power’s 2023 U.S. Insurance Digital Experience Study, too. The company’s average Ohio home insurance premium is slightly higher than the state average, but it may be worthwhile if you want the ability to personalize your policy. State Farm 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.

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

Auto-Owners

Best for coverage options

Rating: 3.2 stars out of 5
3.2 Bankrate Score
JD Power: 834/1,000 AM Best: A++

Average annual premium

$ 942 for $250k dwelling coverage
Auto-Owners Review Get a personalized quote

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 provides increased coverage limits for food spoilage, equipment breakdown and other valuable coverages. The company advertises an array of discounts, as well, 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.

American Family

Best for customer satisfaction

Rating: 3.1 stars out of 5
3.1 Bankrate Score
JD Power: 813/1,000 AM Best: A

Average annual premium

$ 736 for $250k dwelling coverage
American Family Review Get a personalized quote

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 scored slightly below the segment average for customer satisfaction in J.D. Power's 2023 Home Insurance Study and just below average for service in the J.D. Power 2023 U.S. Insurance Digital Experience Study. Customers who value service and digital tools may want to do some more research before choosing AmFam.

Who American Family may be good for: American Family may be good for Ohio homeowners seeking simplified, packaged home insurance coverage.

Buckeye State Mutual Insurance

Best for cheap average rates

JD Power: Not rated AM Best: B+

Average annual premium

$ 374 for $250k dwelling coverage
Buckeye State Mutual Insurance Review Get a personalized quote

Why Buckeye State Mutual Insurance made our list: Buckeye State Mutual Insurance is a regional insurer based in Piqua, Ohio. As such, local agents may be more in tune with the insurance needs of homeowners. The company also offers average rates far below the Ohio average. Various endorsements are available to fit your needs, including identity fraud protection for social media and 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 or Ohio, you’ll likely have to find a new home insurance provider.

Who Buckeye State Mutual Insurance may be best for: Ohio homeowners who are on a budget or highly concerned with identity fraud might find what they're looking for with Buckeye State Mutual.

Additional Ohio home insurance companies to consider

Grange

Grange

Who this may be best for

Homeowners seeking specialized coverage options

Ohio-based Grange Insurance may fit the needs of homeowners who prioritize tailored coverage options and the opportunity to capitalize on a variety of discount offers. Endorsement options include cyber security coverage and assisted living care, which extends personal property coverage for family members in assisted living facilities. Unique discounts include home maintenance discounts and DIY home inspection discounts for homeowners who stay on top of routine home repairs. However, Grange is not scored by J.D. Power for customer satisfaction due to its smaller market share, so you may want to speak with existing policyholders before switching.

Nationwide

Nationwide

Who this may be best for

Homeowners looking to bundle

Ohio-based Nationwide stands out as a competitive option for homeowners looking to bundle their insurance needs with a single company, thanks to the carrier's wide-ranging coverage options and special incentives for customer loyalty. Nationwide policyholders could save by bundling their home coverage with auto, life, boat or motorcycle insurance. However, Nationwide also performed better across multiple 2023 J.D. Power studies compared to 2022, which indicates it may be prioritizing customer service more than in previous years.

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.

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Finding cheap home insurance in Ohio

Although Ohio's average insurance rates are far below the national average, many homeowners may still be looking to save, especially as average home premiums continue to rise in the U.S. You may be able to secure cheap home coverage in Ohio, or at least stabilize your premium, by maintaining your home, including your roof, looking for applicable discounts and shopping around to compare quotes before your policy renews. Back to top Caret Up

Cheapest home insurance companies in Ohio

Finding affordable home insurance in Ohio, as with anywhere, can be a nuanced process. While no single approach guarantees the best deal, actively seeking out and comparing home insurance quotes in Ohio can offer homeowners a broader perspective on the market. By exploring various offers, particularly from providers known for competitive rates, one might uncover a policy that balances comprehensive coverage with cost-effectiveness. We compiled a list of the cheapest carriers in Ohio using average rate data from Quadrant Information Services.

Carrier Monthly premium for $250k coverage Annual premium for $250k coverage Savings vs state avg. for $250k coverage
$61
$736
- $404
Get a quote
$72
$869
- $271
Get a quote
Hastings Mutual
$77
$921
- $219
Get a quote
$79
$942
- $198
Get a quote
$94
$1,125
- $15
Get a quote
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Advertising Disclosure
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.

How Bankrate chose the cheapest home insurance companies in Ohio

Bankrate's insurance editorial team began the search for Ohio's cheapest home providers by comparing average rate data. After identifying the cheapest companies, we ensured that each one offered a solid balance of coverage options, discounts, customer service metrics and financial strength ratings to finalize our list of the cheapest home insurance companies in Ohio.

How to get cheap Ohio home insurance

Many Ohio homeowners may be 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 and age of home appliances and structures like roof, plumbing and heating. Also, make note of any upgrades or remodeling with the year completed, as well as any unique characteristics or features.
  3. Get several quotes. Finding cheap home insurance often means comparing quotes. Getting quotes from different carriers for the same coverage levels 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.

Best 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:

How to save on home insurance policy renewals in Ohio

Renewing your home insurance policy in Ohio provides an excellent opportunity to reassess your coverage and potentially find ways to reduce costs. By proactively engaging in the renewal process and exploring different strategies, Ohio homeowners might discover ways to achieve more favorable rates.

  • Look for applicable discounts: Your situation or your home's features might have changed over the years. This could qualify you for new discounts. Some changes to keep in mind include new security features, roof upgrades or potential bundling opportunities.
  • Ask for a policy review: Periodically requesting a review of your policy with your agent can reveal coverage gaps or areas where you might be over-insured.
  • Compare quotes from other carriers: Before committing to a renewal, it might be worthwhile to gather home insurance quotes from other providers in Ohio to see if there's a more competitive rate available.
  • Reconsider your coverage selections: As your life evolves, so do your coverage needs. It might be beneficial to adjust your policy's limits or consider dropping certain coverage types if they're no longer necessary.
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Understanding home insurance costs in Ohio

Ohio residents may find solace in the fact that the state's average home insurance premium stands at $1,140 for $250K in dwelling coverage, well below the national average of $1,428. However, even with this advantage, individual rates in Ohio can fluctuate significantly based on a multitude of factors. Your home's characteristics and location, as well as your personal rating factors, like credit and claims history, will all influence rates. This is why collecting personalized quotes is often the most effective way to understand what you might actually pay for home coverage. Back to top Caret Up

How much is home insurance in Ohio?

On average, Ohio homeowners insurance costs $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 home 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 level of 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.

Insurance company $150K $250K $350K $450K $750K
$693
$869
$1,047
$1,248
$1,934
$890
$1,255
$1,530
$1,891
$2,951
$725
$942
$1,177
$1,435
$2,250
$586
$736
$881
$1,020
$1,412
Buckeye State Mutual Insurance
$314
$374
$426
$474
$605
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Advertising Disclosure
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.

Ohio homeowners insurance rates by city

Within Ohio, home insurance premiums can fluctuate by city and even ZIP code. Rate differences can be attributed to local crime rates, local weather patterns, geographic exposure to risks and the overall value of homes in a particular area. While statewide averages provide a broad overview, delving into city-specific data offers a more nuanced understanding. As you navigate through the subsequent map and accompanying searchable data table, you'll gain insights into how various cities across Ohio compare in terms of insurance costs.

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, the cheapest Ohio cities’ average annual home insurance premiums 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 labor and material costs also influence homeowners insurance rates. This is why if you remain in the same state or city but move to a different ZIP code, your home insurance rates can change — even if you buy a home of similar size and age. We found the most expensive Ohio cities’ average annual home insurance premiums are 13 to 14 percent higher than the state average.

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

*Rates are for $250,000 in dwelling coverage.

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Insuring your Ohio home

The types and levels of home insurance coverage you need in Ohio depend on your personal comfort with risk, your home's characteristics, the risk factors where you live and how your chosen insurance company assesses your home. Ohio experiences flood risks, especially around the Ohio River, but flooding is not covered by standard home insurance policies. Understanding potential risks where you live may help you choose the appropriate coverage types and levels for your home. Back to top Caret Up

What does home insurance cover in Ohio?

Understanding Ohio risk factors and standard home insurance coverage types may help you better insure your Ohio home. Below are some of the common causes of loss in Ohio that are covered by a standard HO-3 home insurance policy.

  • Weight of snow and ice: Ohio experiences some severe winter weather. Standard home policies cover damage from the weight of snow and ice as well as burst pipes from freezing conditions.
  • Theft and vandalism: Standard home policies cover damage and stolen items after a theft or vandalism incident.
  • Fire and smoke: Your home policy should cover damage from fire and smoke in the case of a house fire or wildfire. Note that some wildfire-prone areas may have coverage limitations.
  • Liability coverage: This coverage kicks in to cover legal expenses, up to your policy limits, in the event someone is injured on your property.

Learn more: What does homeowners insurance cover?

Additional home insurance coverage types 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 homeowners:

  • Wind coverage: Standard homeowners insurance policies in Ohio typically include coverage for damage caused by high winds from convective storms and tornadoes, but you may want to confirm this with your agent due to the state’s risk level.
  • 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. A few home insurance providers offer this coverage as an endorsement.

Risk factors can vary greatly based on where you live and your home's characteristics. Speaking with a licensed insurance agent may help ensure you've addressed all potential coverage gaps in your home policy.

Related content:

Common Ohio home insurance problems

Ohio homeowners face a unique set of challenges when seeking home insurance, influenced by the state's distinct climate, geography and socio-economic factors. Here are some potential hurdles homeowners may encounter:

  • Weather-related concerns: Ohio is susceptible to tornadoes, especially in the western and northern regions of the state.
  • Aging infrastructure: Many homes in Ohio, especially in older cities, can be aged and might not meet certain insurers' criteria without significant renovations. Homeowners with older homes may be interested in carriers that offer ordinance or law coverage. This add-on covers the additional cost required to bring a home or home system up to code after a covered loss.
  • Mine subsidence: Ohio is home to more than 4,000 abandoned coal mines. Some counties have mandatory coverage laws, where the state requires standard residential policies to cover subsidence damage. However, some homeowners may need a mine subsidence endorsement.

Frequently asked questions

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Written by
Ashlyn Brooks

Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.

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