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Ohio Homeowners Insurance Quotes

When it comes to protecting your biggest investment, you want the best home insurance available at a fair price. If you want to save both time and money, shop for Ohio homeowners insurance with

We can compare multiple quotes from top-rated providers and help you choose a policy that's tailored to fit all of your home insurance needs. Just fill out the quick quote form above and our agents will get started on helping you find a policy today.

Home insurance rates in Ohio

Homeowners insurance premiums in Ohio were around $666.00 in March of 2014 when they decreased from $689 in February. These rates reflect average premiums on new sold policies by A standard policy will cover the structure of the buildings on the property, the contents of the home, liability for the homeowner(s), medical payments and loss of use expenses.

So what does any change in average Ohio homeowners insurance rates mean for you? Home insurance rates are constantly in flux, which means you should always be aware of what you are paying for your premium and the different ways you can save.

While elements like square footage and the location of your home have an influence on your premium and can't easily be changed, you can save money by shopping your coverage once a year and by utilizing discounts. Here are a few discounts to check out:

  • New Home: Was your home built in the last 10 years? If so, you could save up to 20%.
  • Home and Auto Bundle: Save up to 20% by bundling your home and auto policies with one provider.
  • Home Security: You can save from 5-10% if you home features a security alarm, dead bolts, or smoke alarms.
These are a few common discounts but ask your agent if you are eligible for other price breaks. It never hurts to save!

Our most recent Ohio homeowners insurance quotes

Are you wondering how much you could save on Ohio homeowners insurance premiums? Here are the details of the last five policies written in Ohio by agents. Keep in mind premiums vary according to certain factors like location and square footage.

Home 1Home 2Home 3Home 4Home 5
Premium Amount $994 $801 $1,233 $532 $381
Premium with Auto Discount$845†$681†$1,048†$452†$324†
Carrier ASI ASI Liberty Mutual Safeco ASI
Zip 44139 43402 43311 44313 45140
Year Built 2005 1998 1900 1951 2006
Foundation type Basement Basement Basement Basement Slab
Lot Size 22,215 Sq Ft 129,025 Sq Ft 10,890 Sq Ft 12,588 Sq Ft 5,096 Sq Ft
Square Feet 3,594 Sq Ft 2,801 Sq Ft 2,308 Sq Ft 1,127 Sq Ft 1,545 Sq Ft
Bedrooms 4 4 3 2 3
Bathrooms 3.0 2.5 2.0 2.0 3.0

Primary Heat Source Central Gas Central Electric Central Gas Central Gas Central Gas
† Estimate if the homeowner had bundled coverages.

Ready for your own personalized quotes? Just enter your ZIP code in the form above or call our friendly agents at 1-877-919-2740 to get the most competitive Ohio homeowners insurance quotes.

Standard Ohio Homeowners Insurance Coverage

A standard homeowners insurance policy typically offers two kinds of coverage Ð property and liability. Here's what each includes:

Property coverage

  • Dwelling: In most standard Ohio homeowner insurance policies this coverage replaces or repairs your home if it's damaged by a covered peril.
  • Other Structures: Protects structures on your property besides your home such as detached garages, sheds, fences, etc.
  • Contents/Personal Property: Reimburses you if the personal property inside your home is damaged in a covered peril. You may need to purchase extra coverage for collectibles, art or expensive jewelry.
  • Loss of Use: In the event your home is damaged by a covered peril, Loss of Use coverage can help in paying for alternative accommodations and living expenses while your home is uninhabitable.

Liability coverage

These come into play if someone is hurt on your property:

  • Personal Liability Protection: Offers help with your legal expenses and any potential judgment if the injured plans to sue.
  • Medical Payments: It the injured party doesn't want to sue, medical payments coverage offers help with medical expenses.

Keep in mind that standard Ohio homeowners insurance policies do not offer coverage for flood damage. Remember all the flood victims in the Northeast when Superstorm Sandy hit? Many homeowners were without flood insurance and many of them weren't even located in flood plains. It goes to show that every homeowner should at least consider purchasing a flood insurance policy. Ohio homeowners can purchase flood policies through the National Flood Insurance Program and if you want to check and see if your community lies in a flood hazard zone, then visit FEMA's website.

Get familiar with your current policy and see what perils are covered and which are not. An adjustment in coverage may be necessary to keep your home fully protected.

Want most information on insurance in the state of Ohio? Visit the Ohio Department of Insurance website.