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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.
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.
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.
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.
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.
From severe storms to freezing temperatures, Ohio residents see a wide variety of weather-related risks.
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.
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.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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