Best homeowners insurance in Ohio for 2023

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.

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.

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.

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.

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.