Popular QuestionsPopular Questions about Ohio Home Insurance

How much does Ohio home insurance cost? $819

The average American homeowner pays $1,173 per year for homeowners insurance, but in Ohio, the average annual premium is only $819, making this one of the least expensive states for home insurance coverage. This doesn’t mean you don’t still have room for big savings. Let an independent insurance agent help you compare policies and rates, so you can find the policy that offers the right coverage at the best price.

ohio home insurance cost chart
What does my Ohio home insurance do for me?

Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable Ohio homeowners insurance policy.

Pays for repairs to your home and your belongings

  • Example: A tree falls on your house, and rain ruins your 60" Samsung TV.

Pays for someone else's injuries or property damage when it's your fault

  • Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.

Pays for temporary living expenses when your home is damaged

  • Example: You need a hotel while your house's roof is being repaired due to a fallen tree.
Will I actually use my Ohio homeowners insurance?

We can’t be 100% certain, but last year insurance companies spent more than $1 billion on home insurance claims in Ohio. That's a lot of unfortunate events happening to Ohio homeowners.

How is my Ohio homeowners insurance calculated?

Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky Ohio is compared to the rest of the US.

Crime:

The burglary rate in Ohio exceeds the national average. Homeowners should take precautionary steps to protect their property and should ensure that they have sufficient insurance coverage in the event of a break-in.

  • Average number of burglaries per 1,000 homes in OH: 5.76
  • Average number of burglaries per 1,000 homes in the US: 4.69

Weather:

From severe storms to freezing temperatures, Ohio residents see a wide variety of weather-related risks. 

  • Number of federally declared disasters since 1953: 54
  • Most common cause of disasters in the state: Severe Storms
  • Average number of tornados in the state per year: 19.2
  • Amount paid in home insurance claims in 2016: $1,105,456,000

Home Values:

The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In Ohio, the average home value is lower than the national average, and this is one of the factors that keeps insurance rates relatively low in this state. 

  • Average home value in OH: $140,100
  • Average home value in the US: $188,900
Are there any independent agents in Ohio?

Yes! There are currently 584 independent insurance agents in Ohio who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.

What’s the best insurance company in Ohio?

An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget. Here are some companies our agents will use in Ohio: 

Travelers
ohio mutual insurance group
Safeco
grange insurance

InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining home insurance costs. One of many factors is location. Crime rates, weather catastrophes and the overall cost of your home will also factor into how much your home insurance will cost.

How does your city measure up to the national average?

  • National average home insurance cost – $1,173 / year
  • National average burglary rate per 1,000 homes – 4.69
  • National average home value - $188,900


CityAvg. Monthly Cost of Home InsuranceAvg. Yearly Cost of Home InsuranceAvg. Home ValueNumber of Burglaries per 1,000 Homes
Columbus$74$887$140,7008.99
Cleveland$51$613$66,80017.87
Cincinnati$79$953$134,10016.19
Akron$49$586$78,00012.27
Dayton$53$641$66,90020.78
Parma$49$585$108,1003.41
Canton$48$579$73,40013.27
Lorain$54$654$84,20013.84
Springfield$64$767$81,70122.24
Hamilton$67$802$105,27615.09
Steubenville$45$540$87,0997.28
Strongsville$87$1,040$201,1441.46
Fairfield$71$856$154,7003.36
Dublin$132$1,589$373,4702.11
Lima$51$610$69,38815.96
Huber Heights$50$559$106,3344.61
Westerville$97$1,162$220,3931.93
Reynoldburg$71$852$151,1694.19
Grove City$80$963$172,1593.59
Stow$79$949$175,6051.90
Delaware$84$1,007$178,3183.98
Kettering$61$728$130,4024.03
Elyria$50$598$100,1356.41
Lakewood$63$754$138,9352.86
Cuyahoga Falls$56$673$126,7912.36
Euclid$49$592$83,67210.88
Middletown$54$646$96,21415.95
Mansfield$51$615$78,63314.55
Mentor$76$917$168,8912.24
Cleveland Heights$59$712$132,4032.64
Beavercreek$82$980$182,5761.38
Brunswick$71$848$161,9380.81
Upper Arlington$127$1,521$358,3111.91
Fairborn$56$667$114,3845.62
Gahanna$92$1,101$206,8242.84
Hilliard$93$1,113$225,7991.92
Mason$99$1,189$252,1420.52
Clintonville$97$1,159$198,2715.93
Garfield Heights$42$507$76,3108.80
Barberton$44$526$90,6555.54
Green$83$993$183,4242.09

Columbus, OH Home Insurance

The average monthly cost of homeowners insurance in Columbus is $74. Several different factors can influence how your actual rates are calculated. These include such things as the age, size and value of your home and your credit score and claims history. You can therefore expect your quoted rate to be higher or lower than this average. 

Columbus home insurance is designed to cover hazards such as liability, property crime, accidental fires, and weather-related damage. For example, occasional heavy winds sweep through the area, damaging roofs and causing trees to fall on local homes and storage sheds. If heavy winds cause damage to your home, you can file a claim with your insurance provider to receive compensation to make repairs.

To get the best rates on Columbus homeowners insurance, choose an independent agent who has the freedom to shop quotes from multiple companies. When you take the time to compare rates, you can find a plan that gives you reliable coverage at an affordable price.

Cleveland, OH Home Insurance

The average monthly cost of homeowners insurance in Cleveland is $51. Your actual home insurance rate could be significantly more or less than this amount. That is because it depends on several variables like the size and age of your house, the crime rate in your ZIP code, and your claims history and credit score. Comparing costs enables you to be sure you are getting your coverage at the best price.

Your Cleveland homeowners insurance can cover you against many different hazards that can otherwise cause you to face large financial losses. These include such things as severe weather, liability lawsuits, and residential fires. Your insurance can also cover you against loss or damage caused by property crimes. Here in Cleveland, where the burglary rate is rather high, this coverage can prove particularly important.

Choose to work with an independent insurance agent to get the best rates on your Cleveland home insurance. Independent agents can provide you with quotes from multiple providers, giving you more options in your search for reliable, affordable coverage for your home.

Cincinnati, OH Home Insurance

The average monthly cost of homeowners insurance in Cincinnati is $79. Of course, rates can vary significantly from one homeowner to the next, so you can reasonably expect your quoted costs to be higher or lower than this average. Rates are determined by insurance providers according to the type of house you live in, the home's size and age, your credit score, your previous claims, and several other factors.

Cincinnati homeowners insurance can protect you from facing large financial losses if you fall victim to some of the common hazards faced by homeowners in this Ohio city. These include such things as liability lawsuits, property crimes, residential fires, and severe weather events. For example, storms in Cincinnati are often severe, and sometimes they spawn tornados. These storms can damage roofs, windows, and other property. Fortunately, you can turn to your Cincinnati home insurance provider for the funds necessary to make repairs and replace lost belongings.

Instead of buying insurance directly from an agent who works for a specific company, choose an independent agent. Doing so can give you more options and a better chance for big savings. Independent agents can help you find the lowest rates on homeowners coverage by requesting quotes from multiple companies for you.

Akron, OH Home Insurance

The average monthly cost of homeowners insurance in Akron is $49. Every homeowner pays a customized rate for their home insurance coverage, so there is often large variance from one resident to the next. Insurance companies calculate your costs based on a variety of factors such as your home’s location, square footage and age. They may also take in consideration factors such as the number of people who live in the home and your credit score. Compare rates from multiple carriers to be sure you are getting your coverage at a competitive rate.

Akron homeowners insurance protects policyholders from having to face large financial losses in the wake of a covered event. It can cover against such things as severe weather, accidental residential fires, property crimes, liability lawsuits, and other hazards. For example, a burst pipe can quickly turn into a major catastrophe in your home. As water spills out everywhere, the damage to your walls and floors can be expensive. If the pipe is on a second floor, water can drip down and  damage the lower level too. Fortunately, home insurance covers non-flood-related water damage and can pay for repairs if this happens to you.

Independent agents offer personalized support for homeowners in the city of Akron. Your agent will take the guesswork out of buying home insurance by obtaining quotes from multiple carriers and helping you compare rates and policies. Find an agent near you to get started.

Dayton, OH Home Insurance

The average monthly cost of homeowners insurance in Dayton is $53. Your actual home insurance cost could be less or more, based on several variables like your home's size, age and building materials, and your credit score and claims history. Comparing rates from a few different insurers enables you to be sure you are getting a good policy at a great price.

Most people never stop to think about burglaries until it's too late. In Dayton, however, the burglary rate is extremely high so it is a real concern among residents. Homeowners can take precautions by using deadbolt locks, keeping entryways well-lit, and installing security systems, which can earn you a discount on your home insurance. If your home does get targeted by burglars, you can file a claim with your home insurance provider to receive compensation for your stolen valuables and property damage.

Independent insurance agents take the guesswork out of buying a reliable insurance policy for your Dayton home. They can shop for rates from multiple companies, answer your insurance-related questions, and match you with the best homeowners insurance policy to meet your specific needs.

Parma, OH Home Insurance

The average monthly cost of homeowners insurance in Parma is $49. Your premium might be significantly higher or lower than the average depending on your specific situation. Insurance companies use several factors to determine rates. These include such things as the age, size and value of your home, whether you present any special liability concerns such as a dangerous breed of dog or a swimming pool, and even your credit score. Comparing rates allows you to find the best price for your policy.

Parma homeowners insurance can provide coverage against a number of different hazards. These include such things as weather-related damage, property crimes, liability lawsuits, and residential fires. House fires are among the most damaging risks homeowners face. If not addressed quickly, a fire can consume all of your personal property and destroy your house. Fortunately, home insurance gives you a backup plan and can cover your costs to replace your lost items and repair or rebuild after a tragic fire. Your independent insurance agent can help you ensure that your coverage limits are high enough to suitably handle a total loss.

Working with a local independent agent makes it easier than ever before to find affordable rates on homeowners insurance. Independent agents can shop for rates from multiple carriers, giving you the opportunity to compare your options and choose the policy that best meets your coverage and budgetary needs.

Canton, OH Home Insurance

The average monthly cost of homeowners insurance in Canton is $48. Of course, insurance prices can vary significantly from one homeowner to the next in this city. Your actual premium may be higher or lower than the average depending on a number of considerations such as the crime rate in your ZIP code, the size, age, and structure of your home, the amount of coverage you wish to purchase, and even, sometimes, your credit score.

Canton homeowners insurance can cover you against a variety of hazards including liability lawsuits, property crimes, and severe weather. For instance, if lightning strikes your home, it can cause serious damage. Some of the storms that roll through Canton can be intense, sometimes even spawning tornados. If your house is damaged by a severe weather event, you'll have peace of mind knowing that you have a reliable home insurance plan to cover the cost of repairs.

Rather than purchasing insurance directly from a carrier, work with an independent agent to get more options and better rates. Independent agents can shop for quotes from multiple carriers and help you find a customized plan that is tailored to your unique coverage and budgetary needs.

Lorain, OH Home Insurance

The average monthly cost of homeowners insurance in Lorain is $54. Your actual home insurance cost could be more or less, depending on a variety of factors that insurance companies use to determine appropriate costs. These include such things as the size and age of your home, the amount of coverage you wish to purchase, the crime rate in your ZIP code, previous claims, and even, at times, your credit score.

Lorain homeowners insurance can provide coverage against a variety of hazards, many of which may be unexpected. For example, if you have a burst pipe during the freezing winter temperatures, or you have a malfunctioning appliance that is causing a water leak, the resultant water damage to your home can quickly become a major issue. If you discover soggy floors, moldy walls, or huge puddles of water in your home, you can file a claim. As long as the damage is not flood-related, your home insurance policy can help pay to clean up the mess and make home repairs. Talk to your local independent insurance agent to learn how adding flood insurance to your policy portfolio can give you an extra layer of protection.

Rather than purchasing an insurance plan directly from a carrier, choose a local independent insurance agent who will advocate on your behalf if you need to file a claim. Independent agents can shop for rates from multiple companies and help you find a customized, competitively priced homeowners insurance policy that fits your needs.

Springfield, OH Home Insurance

The average monthly cost of homeowners insurance in Springfield is $64. Your actual premiums could be considerably higher or lower than this amount. That is because insurance companies calculate rates according to such factors as the size of your house, your house's building materials, the amount of coverage you are purchasing, and even sometimes your credit score. Each insurer uses a different method of calculation, so it is to your benefit to compare quotes from multiple providers before making a selection.

Your Springfield homeowners insurance can cover you against many of the hazards you face as a homeowner in this city. This includes such things as loss or damage caused by residential fires, liability lawsuits, and severe weather. It also covers against property crimes, which is particularly important in this city given its extremely high burglary rate. If your home is broken into and burglarized, first call the police and then call your independent insurance agent for assistance with starting the claims process so that you can be reimbursed for your losses.

Independent insurance agents make it easy to find reliable, affordable coverage for your home. They will take time to shop rates from multiple companies, making sure you receive the best home insurance policy to meet your coverage and budgetary needs.

Hamilton, OH Home Insurance

The average monthly cost of homeowners insurance in Hamilton is $67. Your actual home insurance cost will be determined according to a number of factors like the size and structure of your house, the crime rate in your ZIP code, the amount of coverage you are purchasing, and even your credit score. Your quoted rates could therefore be considerably higher or lower than this average.

Hamilton homeowners insurance can cover you against a variety of hazards such as property crimes, liability lawsuits, residential fires, and weather-related damage. For example, storms that bring strong, gusty winds or, worse, tornados through Hamilton can do serious damage to local homes. If the wind damages your roof or blows a tree onto your house, it can be a scary experience, but your homeowners insurance can step in to cover the cost of repairs. 

Finding reliable insurance for your home is easy with the help of an independent insurance agent. These local agents can explain your various coverage options, request quotes from multiple insurance providers, and help you compare policies and rates to find the best coverage to meet your needs.