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Columbus Homeowners Insurance

Find the Right Columbus, OH Homeowners Insurance

Find the right homeowners insurance policy for you.

Ann Herro | March 1, 2020

As Ohio’s capital and largest city, Columbus is one of the top-ranked destinations in the state. Here, you’ll find gorgeous neighborhoods, a lively art scene, and a diverse and thriving local economy. With easy access to countless jobs and homes for every price range, Columbus, OH is a great place to live and work in. The only downside is the unpredictable weather than can deliver severe thunderstorms, occasional tornadoes, and heavy snowfall. 

If you decide to make a home in this active city, make sure you’re protected with reliable Columbus homeowners insurance. Our Independent Insurance Agents provide personalized help for residents who are searching for affordable home insurance plans. With years of experience in finding the best coverage options for Columbus homes, our Independent Insurance Agents make it easier than ever to find the right policy for your unique needs.

  • National yearly premium average: $1,034
  • Ohio yearly premium average: $721
  • 43rd most expensive premium in the U.S.

Ohio’s home insurance rates rank among the lowest in the nation, a major perk when you buy property in Columbus. Of course, there are several factors that influence how much you pay for your coverage. The home's square footage, age, and location are all taken into consideration when you get a personalized homeowners insurance rate.

Columbus Second Home and Vacation Home Insurance

With the popularity of the Columbus Zoo and the neighboring water park, this city is a prime destination for Ohio tourists each year. If you have a vacation home in this area, you need the right type of homeowners insurance to best protect your investment. Because vacation homes are often vacant for weeks or months at a time, they have a higher risk of burglary and property damage. Our agents can help you choose a second home insurance policy that covers all of the risks your property will encounter in Columbus.

Number of Thefts in Ohio

  • National number of burglaries: 37,814
  • Ohio number of burglaries: 91,433

Crime is an ongoing concern across Columbus, with burglaries being one of the leading threats. Break-ins are fairly common, and even the best security system won’t guarantee that you stay safe from a potential burglar. As you shop for Columbus homeowners insurance, look for a plan that covers your home in case of a robbery, providing compensation for stolen valuables along with any needed property repairs after a burglary.

Number of Catastrophes in Ohio

  • Number of catastrophes in Ohio: 501
  • Number of tornadoes in Ohio: 6
  • Amount of property damage in Ohio: $96,950,000
  • 1 in 15 insured homes has a claim each year

Ohio’s unpredictable weather is an ongoing concern for homeowners. Each year, Columbus residents have to deal with the potential for severe thunderstorms, devastating tornadoes, and catastrophic winter weather. Each of these natural disasters can cause widespread property damage, so make sure your home insurance policy includes complete coverage for weather-related disasters.

What Are the Risks in Columbus?

In Columbus, the biggest property risks are burglaries and severe storms. As the largest city in the state, the crime rate is well above average and break-ins are a continual problem in many neighborhoods. In the spring, severe storms often deliver large hail and even occasional tornadoes, causing widespread damage to local homes.

Compare Columbus Home Insurance Quotes

In your search for affordable home insurance in Columbus, you can find significant savings by taking time to compare quotes. Our Independent Insurance Agents make this simple by offering rate quotes on multiple policies and helping you compare coverage benefits among the most affordable plans. With an agent on your side, you can rest easy knowing that you have access to the best homeowners insurance options at the lowest possible rates. 

Contact an agent today to get a customized quote on Columbus home insurance for your property.

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