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Best homeowners insurance in Ohio for 2022

Updated Dec 05, 2022
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How Bankrate chose the best home insurance companies in Ohio

To decide which companies to feature, Bankrate first obtained average premium information from Quadrant Information Services for the major insurance companies operating in Ohio. We also considered J.D. Power customer satisfaction scores, AM Best financial strength ratings, coverage options, discounts and policy features. We used these data points to create a proprietary Bankrate Score. The higher the Bankrate Score, the higher the company ranks in terms of overall customer satisfaction, financial strength, policy options and average premiums.

Best home insurance companies in Ohio

The average cost of home insurance in Ohio is $1,119 per year, 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 include State Farm, Auto-Owners and Allstate. 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:

State Farm
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power
829
/1,000
AM Best
A++
Average monthly premium
$71
Average annual premium
$1,209
Read review
Auto-Owners
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info Hover for more
J.D. Power
825
/1,000
AM Best
A++
Average monthly premium
$75
Average annual premium
$900
Get a quote
American Family
Rating: 4.1 stars out of 5
4.1
Bankrate Score
Info Hover for more
J.D. Power
842
/1,000
AM Best
A
Average monthly premium
$66
Average annual premium
$793
Get a quote
Allstate
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info Hover for more
J.D. Power
815
/1,000
AM Best
A+
Average monthly premium
$71
Average annual premium
$855
Get a quote
Buckeye State Mutual Insurance
J.D. Power
Not rated
AM Best
B+
Average monthly premium
$31
Average annual premium
$369
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.

*Premiums are for $250K in dwelling coverage

Best home insurance company for local offices

J.D. Power:
829 /1,000
AM Best:
A ++
Avg. annual premium for 250k dwelling
$ 1,209
State Farm Insurance review

Explore Bankrate's review

Best home insurance company for coverage options

J.D. Power:
825 /1,000
AM Best:
A ++
Avg. annual premium for 250k dwelling
$ 900
Auto-Owners Insurance review

Explore Bankrate's review

Best home insurance company for customer satisfaction

J.D. Power:
842 /1,000
AM Best:
A
Avg. annual premium for 250k dwelling
$ 793
American Family Insurance review

Explore Bankrate's review

Best home insurance company for bundling

J.D. Power:
815 /1,000
AM Best:
A +
Avg. annual premium for 250k dwelling
$ 855
Allstate Insurance review

Explore Bankrate's review

Best home insurance company for cheap rates

Buckeye State Mutual Insurance

J.D. Power:
Not rated
AM Best:
B +
Avg. annual premium for 250k dwelling
$ 369
Get a personalized quote

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

How much is homeowners insurance in Ohio?

Ohio homeowners insurance costs, on average, $1,119 per year for $250,000 in dwelling coverage, which is less than the national average of $1,383 per year. Reasonably priced homeowners insurance is relatively common in the Midwest. For example, homeowners in Indiana pay an average of $1,180 annually for the same amount of coverage, and Wisconsin homeowners pay an average of $928 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.

Ohio homeowners insurance rates by city

Home insurance in Ohio

When it comes to homeowners insurance, each state has its own unique considerations. The common types of losses, for example, can help you decide what optional coverage to purchase. Understanding the unique risks that Ohio homes face might help you feel more confident in your insurance choices.

Common causes of loss in Ohio

Ohio runs less risk for property loss than many other states, but there are still some risks you may want to consider when buying home insurance:

  • Tornadoes: Although it is not in “Tornado Alley,” the state can be prone to tornadoes, averaging 19 per year, according to the Canton Repository.
  • Winter storms: Winters in Ohio can be brutal, with cold temperatures, ice storms and heavy snows. Winter storms can cause power outages, spoiled food, roof damage and frozen and burst pipes. It can be costly to rebuild after winter storms. In 2021, these storms caused an eye-popping $15 billion in insured losses.
  • Flooding: All areas in Ohio have some flood risk, but floods are especially common in the southern area of the state.

Once you understand the common causes of property damage in Ohio, you may be able to better choose home insurance coverage to protect your finances from home repairs or replacement.

Home insurance coverage options in Ohio

Homeowners insurance is designed to financially protect you from having to repair or replace your home after a covered loss. Once you understand the common causes of loss in your area, you might feel more confident choosing coverage that are appropriate, such as:

  • 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 insurer. Some homeowners carriers offer this coverage as an endorsement.

Talking to a licensed insurance agent might be helpful when purchasing Ohio homeowners insurance, to gain a clear understanding of the coverage. An agent can assess your situation and suggest coverage options that are appropriate for your needs.

Frequently asked questions

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute