Popular Questions about Ohio Home Insurance

On average, homeowners insurance in Ohio comes in at $862 per year, which is much lower than the national at $1,211 annually. When you purchase a policy, there's a lot that goes into figuring your rates. You can have a licensed professional compare premiums for free, making it easy. 

Your Ohio homeowners policy comes standard with coverage for fires, theft, vandalism, severe weather, and other natural disasters. Each home policy has a dwelling, other structures, personal property, liability, medial payments, and additional living expense limit. 

In Ohio, you're not mandated by law to carry homeowners insurance. You are however, required to provide proof of coverage if you have a mortgage, lienholder, or other financial interest on your home. There have been 1,105,456,000 homeowners claims paid in one year alone, making coverage essential if you want to avoid financial ruin.

Ohio homeowners insurance policies use specific risk factors when calculating rates. Some of these include:

  • Dwelling value
  • Past losses
  • Local risks
  • Coverage selected

Yes, Ohio has 584 independent insurance agencies that work with dozens of carriers. Each one is able to help and quote coverage for free, saving you time and money.

In Ohio, there are several carrier options to choose from, but knowing which insurance company is best could be a challenge. Nationwide, Safeco, Travelers, and State Auto insurance companies are highly rated. These carriers shine above the rest because they are trusted by many for their competitive rates and comprehensive coverage.

Do You Know What Your Ohio Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries / 1,000 homes
Columbus$887$140,7008.99
Cleveland$613$66,80017.87
Cincinnati$953$134,10016.19
Akron$586$78,00012.27
Dayton$641$66,90020.78
Parma$585$108,1003.41
Canton$579$73,40013.27
Lorain$654$84,20013.84
Springfield$767$81,70122.24
Hamilton$802$105,27615.09
Steubenville$540$87,0997.28
Strongsville$1,040$201,1441.46
Fairfield$856$154,7003.36
Dublin$1,589$373,4702.11
Lima$610$69,38815.96
Huber Heights$559$106,3344.61
Westerville$1,162$220,3931.93
Reynoldburg$852$151,1694.19
Grove City$963$172,1593.59
Stow$949$175,6051.90
Delaware$1,007$178,3183.98
Kettering$728$130,4024.03
Elyria$598$100,1356.41
Lakewood$754$138,9352.86
Cuyahoga Falls$673$126,7912.36
Euclid$592$83,67210.88
Middletown$646$96,21415.95
Mansfield$615$78,63314.55
Mentor$917$168,8912.24
Cleveland Heights$712$132,4032.64
Beavercreek$980$182,5761.38
Brunswick$848$161,9380.81
Upper Arlington$1,521$358,3111.91
Fairborn$667$114,3845.62
Gahanna$1,101$206,8242.84
Hilliard$1,113$225,7991.92
Mason$1,189$252,1420.52
Clintonville$1,159$198,2715.93
Garfield Heights$507$76,3108.80
Barberton$526$90,6555.54
Green$993$183,4242.09
  1. $74
  2. Columbus, OH Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Columbus is $74. Several different factors can influence how your actual rates are calculated. These include 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. 
  4. Columbus home insurance is designed to cover hazards such as liability, property crime, accidental fires, and weather-related damage. 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.


  1. $51
  2. Cleveland, OH Monthly average home insurance cost
  3. 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.
  4. Your Cleveland homeowners insurance can cover you against many different hazards that can otherwise cause you to face large financial losses. These include severe weather, liability lawsuits, and residential fires. Your insurance can also cover you against loss or damage caused by property crimes. In Cleveland, where the burglary rate is rather high, this coverage can prove particularly important.


  1. $79
  2. Cincinnati, OH Monthly average home insurance cost
  3. 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.
  4. 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 liability lawsuits, property crimes, residential fires, and severe weather events. Storms in Cincinnati are often severe, and sometimes they spawn tornadoes. 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.


  1. $49
  2. Akron, OH Monthly average home insurance cost
  3. 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 into 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.
  4. Akron homeowners insurance protects policyholders from having to face large financial losses in the wake of a covered event. It can cover against things like severe weather, accidental residential fires, property crimes, liability lawsuits, and other hazards. 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.


  1. $53
  2. Dayton, OH Monthly average home insurance cost
  3. 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.
  4. 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.


  1. $49
  2. Parma, OH Monthly average home insurance cost
  3. 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 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.
  4. Parma homeowners insurance can provide coverage against a number of different hazards. These include 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 the costs to replace your lost items and repair or rebuild after a tragic fire.


  1. $48
  2. Canton, OH Monthly average home insurance cost
  3. 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.
  4. Canton homeowners insurance can cover you against a variety of hazards, including liability lawsuits, property crimes, and severe weather. If lightning strikes your home, it can cause serious damage. Some of the storms that roll through Canton can be intense, sometimes even spawning tornadoes. 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.


  1. $54
  2. Lorain, OH Monthly average home insurance cost
  3. 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 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.
  4. Lorain homeowners insurance can provide coverage against a variety of hazards, many of which may be unexpected. 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. 


  1. $64
  2. Springfield, OH Monthly average home insurance cost
  3. 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.
  4. Your Springfield homeowners insurance can cover you against many of the hazards you face as a homeowner in this city. This includes 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. 


  1. $67
  2. Hamilton, OH Monthly average home insurance cost
  3. 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.
  4. Hamilton homeowners insurance can cover you against a variety of hazards such as property crimes, liability lawsuits, residential fires, and weather-related damage. Storms that bring strong, gusty winds or, worse, tornadoes 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.