{"id":325176,"date":"2025-11-10T15:36:47","date_gmt":"2025-11-10T20:36:47","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=96339"},"modified":"2025-11-12T13:59:37","modified_gmt":"2025-11-12T18:59:37","slug":"best-in-ohio","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-ohio\/","title":{"rendered":"The Best Homeowners Insurance in Ohio of 2025"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\">\n<li>Amica, Erie, Auto-Owners, State Farm, Nationwide, and USAA (eligibility required) are consistently strong picks in Ohio for satisfaction and financial strength, according to the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power results<\/a> and current A.M. Best disclosures.<\/li>\n\n\n\n<li>For a sample $250,000 dwelling, $1,000 deductible policy, Ohio\u2019s average premium is in the low-$1,200s; your price will vary by insurer and profile (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>).<\/li>\n\n\n\n<li>Ohio\u2019s most recent statewide average homeowners insurance expenditure is in the low-$1,100s (NAIC policy year 2022) \u2014 below the national average (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a>).<\/li>\n<\/ul>\n\n\n\n<p>Home insurance in the Buckeye State is affordable compared to other states. The latest NAIC homeowners data compiled by the <a class=\"achor-toggles\" href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a> shows Ohio\u2019s average homeowners expenditure in the low-$1,100s (policy year 2022), below the U.S. average. More current market snapshots indicate typical premiums around the low-$1,200s per year for a $250,000 dwelling profile with a $1,000 deductible (<a class=\"achor-toggles\" href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>). Although <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/about\/\">home insurance<\/a> is not legally required in Ohio, lenders may require you to purchase coverage to financially protect your homes, and based on the value of your personal belongings, insurance can provide valuable peace of mind in case of a costly covered loss. <\/p>\n\n\n\n<p>We profile Cincinnati Insurance, Allstate, Grange, and State Farm below for their specific strengths. For 2025, national satisfaction and stability leaders with Ohio availability include Amica, Erie, Auto-Owners, State Farm, Nationwide, and USAA (eligibility applies), based on the latest <a class=\"achor-toggles\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a> and current A.M. Best financial strength ratings published by the companies (<a class=\"achor-toggles\" href=\"https:\/\/www.statefarm.com\/about-us\/company-overview\/financial-information\/credit-ratings\">State Farm<\/a>, <a class=\"achor-toggles\" href=\"https:\/\/www.erieinsurance.com\">Erie<\/a>, <a class=\"achor-toggles\" href=\"https:\/\/www.nationwide.com\">Nationwide<\/a>, <a class=\"achor-toggles\" href=\"https:\/\/www.auto-owners.com\">Auto-Owners<\/a>, <a class=\"achor-toggles\" href=\"https:\/\/www.usaa.com\">USAA<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Four notable homeowners insurance companies in Ohio<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<ul>\n<li><strong><a href=\"#best1\" rel=\"nofollow\" class=\"achor-toggles\">Cincinnati Insurance:<\/a><\/strong>  Notable for competitive, agent-sold rates in parts of Ohio <\/li>\n\n\n\n<li> <strong><a href=\"#best2\" rel=\"nofollow\" class=\"achor-toggles\">Allstate: <\/a><\/strong>Broad optional coverages and extensive discounts<\/li>\n\n\n\n<li><strong><a href=\"#best3\" rel=\"nofollow\" class=\"achor-toggles\">Grange:<\/a> <\/strong> Notable for discounts via independent agents <\/li>\n\n\n\n<li><strong><a href=\"#best4\" rel=\"nofollow\" class=\"achor-toggles\">State Farm:<\/a> <\/strong> Strong online tools and a broad agent network<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-chart\" title=\"Compare Ohio\u2019s Top Insurance Companies\"><\/span>\n    \n\n\t\t\n<section id=\"block_60abad60483f9\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare Ohio\u2019s Top Insurance Companies<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Premium**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2020-us-home-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power Customer Satisfaction**<\/a>\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tStandard &#038; Poor\u2019s\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tStandard &#038; Poor\u2019s (S&#038;P) rates creditworthiness for businesses, countries and cities that issue bonds.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_60abad60483f9-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Cincinnati Insurance<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$641<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60abad60483f9-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$889<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A-<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60abad60483f9-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Grange<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,027<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A-<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60abad60483f9-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,192<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>AA<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information note: comparison table figures reflect 2021 sample data; see updated 2022 NAIC and 2024\u20132025 market averages below<\/em><\/p>\n\n\n\n<p><em>*Historic sample data provided by Bankrate.com<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s 2024 U.S. Home Insurance Study. Based on a 1,000-point scale.<\/em><br><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Best for Low Rates\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Cincinnati Insurance <\/h2>\n\n\n                                                \n\n\n<section id=\"cincinnati-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Cincinnati Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Low Rates<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Based on our sample quotes, Cincinnati Insurance is the best cheap insurance provider for Ohio homeowners, which is ideal for people who are shopping for insurance on a budget.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337952-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$641*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Based on our sample quotes, Cincinnati Insurance is the best cheap insurance provider for Ohio homeowners, which is ideal for people who are shopping for insurance on a budget.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Below-average premium costs<\/li>\n                            <li>Home insurance tiers offer tailored coverage<\/li>\n                            <li>Strong financial ratings<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No online quotes available<\/li>\n                                        <li>Few discounts<\/li>\n                                        <li>Most optional coverages are only available with a high-value home policy<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul>\n<li>Multi-policy<\/li>\n<li>New home<\/li>\n<li>Claims-free<\/li>\n<li>Protective device<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Earthquake insurance<\/li>\n<li>Golf cart insurance<\/li>\n<li>Identity theft insurance<\/li>\n<li>Family shield coverage<\/li>\n<li>Assisted living coverage<\/li>\n<li>Flood insurance<\/li>\n<li>Water backup\/sump pump coverage<\/li>\n<li>Green updates coverage<\/li>\n<li>Service line coverage<\/li>\n<li>Equipment breakdown coverage<\/li>\n<li>Cyber protection<\/li>\n<li>Emergency event cancellation coverage<\/li>\n<li>Single deductible<\/li>\n<li>Loss prevention device coverage<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Best for Optional Coverages\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Optional Coverages<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers a wide variety of optional coverages, making it a good choice for Ohio homeowners who want to customize a policy that meets their unique needs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$889*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers a wide variety of optional coverages, making it a good choice for Ohio homeowners who want to customize a policy that meets their unique needs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Lots of discounts<\/li>\n                            <li>Many optional coverages<\/li>\n                            <li>Helpful website with several tools and resources<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>High number of company complaints<\/li>\n                                        <li>Below-average ratings for claims satisfaction<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Deductible rewards<\/li>\n<li>Claims-free<\/li>\n<li>Multi-policy<\/li>\n<li>Responsible payer<\/li>\n<li>Welcome and loyalty<\/li>\n<li>Home buyer<\/li>\n<li>Automatic payments<\/li>\n<li>Protective device<\/li>\n<li >Early signing<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Host Advantage insurance<\/li>\n<li>Flood insurance<\/li>\n<li>Identity theft restoration<\/li>\n<li>Water backup coverage<\/li>\n<li>Scheduled personal property coverage<\/li>\n<li>Business property coverage<\/li>\n<li>Sports equipment coverage<\/li>\n<li>Green improvement reimbursement<\/li>\n<li>Yard and garden coverage<\/li>\n<li>Electronic data recovery coverage<\/li>\n<li>Musical instruments coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Grange Insurance<\/h2>\n\n\n                                                \n\n\n<section id=\"grange-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Grange Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Ohio homeowners who are looking to get a low rate may want to consider Grange, which offers a long list of generous discounts that might help customers get cheaper premiums.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=345052-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,027*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A-<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Ohio homeowners who are looking to get a low rate may want to consider Grange, which offers a long list of generous discounts that might help customers get cheaper premiums.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Below-average premium costs<\/li>\n                            <li>Broad range of coverage options<\/li>\n                            <li>Wide variety of discounts<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No online quote tool<\/li>\n                                        <li>No digital tools or resources<\/li>\n                                        <li>Not rated by J.D. Power<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Multi-policy><\/li>\n<li>Advance quote<\/li>\n<li>Pay in full<\/li>\n<li>Pay on-time<\/li>\n<li>DIY home inspection<\/li>\n<li>Home maintenance<\/li>\n<li>Smart fire alarm<\/li>\n<li>Claim-free<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Service line coverage<\/li>\n<li>Home cyber protection<\/li>\n<li>Sewer\/drain backup coverage<\/li>\n<li>Replacement cost coverage<\/li>\n<li>Valuables coverage<\/li>\n<li>Identity theft insurance<\/li>\n<li>Equipment breakdown coverage<\/li>\n<li>Assisted living care coverage<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Best for Online Tools\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Online Tools<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Based on our research, State Farm has some of the best online tools, resources, and calculators, which could help Ohio homeowners choose the right type of coverage and amount of coverage to protect their homes and belongings.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,192*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Based on our research, State Farm has some of the best online tools, resources, and calculators, which could help Ohio homeowners choose the right type of coverage and amount of coverage to protect their homes and belongings.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Robust and user-friendly website<\/li>\n                            <li>Detailed online quotes<\/li>\n                            <li>Helpful tools and resources for first-time home insurance buyers<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Not many discounts<\/li>\n                                        <li>Discounts are not available in every state<\/li>\n                                        <li>Below-average claims satisfaction reviews<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul>\n<li>Multi-policy<\/li>\n<li>Home safety device<\/li>\n<li>Impact-resistant roof<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Replacement cost coverage<\/li>\n<li>Identity restoration coverage<\/li>\n<li>Flood insurance<\/li>\n<li>Water back up coverage<\/li>\n<li>Earthquake insurance<\/li>\n<li>Ordinance\/law coverage<\/li>\n<li>Inflation coverage<\/li>\n<li>Personal articles coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/state-farm-renters-review\/\">State Farm Renters Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*Historic sample data provided by Bankrate.com<\/p>\n\n\n\n<p>**J.D. Power\u2019s 2024 U.S. Home Insurance Study. Based on a 1,000-point scale.<br><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost of Home Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Home Insurance in Ohio&nbsp;<\/h2>\n\n\n\n<p>Using the latest available benchmarks, Ohio\u2019s statewide average homeowners insurance expenditure sits in the low-$1,100s (NAIC policy year 2022; compiled by the <a class=\"achor-toggles\" href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a>). More current market-rate snapshots indicate that a sample policy with $250,000 in dwelling coverage and a $1,000 deductible averages around the low-$1,200s per year in Ohio (<a class=\"achor-toggles\" href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>). For a similar profile with $300,000 in dwelling coverage, recent analyses place Ohio\u2019s average closer to the mid-$1,400s to mid-$1,500s annually (<a class=\"achor-toggles\" href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a class=\"achor-toggles\" href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/ohio\/\">Policygenius<\/a>).<\/p>\n\n\n\n<p>These are sample rates and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits in the methodology are as follows:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheapest-insurance\" title=\"The Cheapest Homeowner Insurance Companies \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies in Ohio<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Illustrative 2021 sample \u2014 select companies<\/strong><\/td><td><strong>Average Annual Premium* (historical sample)<\/strong><\/td><\/tr><tr><td>Buckeye Ins Grp<\/td><td>$371<\/td><\/tr><tr><td>Cincinnati Insurance<\/td><td>$641<\/td><\/tr><tr><td>The Western Reserve Group<\/td><td>$760<\/td><\/tr><tr><td>American Family<\/td><td>$857<\/td><\/tr><tr><td>Auto-Owners<\/td><td>$860<\/td><\/tr><tr><td>Allstate<\/td><td>$889<\/td><\/tr><tr><td>Westfield<\/td><td>$923<\/td><\/tr><tr><td>Hastings Mutual<\/td><td>$933<\/td><\/tr><tr><td>Grange<\/td><td>$1,027<\/td><\/tr><tr><td>Nationwide<\/td><td>$1,090<\/td><\/tr><tr><td>State Farm<\/td><td>$1,192<\/td><\/tr><tr><td>Motorists<\/td><td>$1,260<\/td><\/tr><tr><td>Farmers<\/td><td>$2,002<\/td><\/tr><tr><td>Celina<\/td><td>$2,215<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Illustrative 2021 sample based on $250,000 in dwelling coverage<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest\" title=\"Top 3 Cheapest Homeowner Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowner Insurance Companies in Ohio<\/h2>\n\n\n\n<ul>\n<li><strong>Finding the lowest rate:<\/strong> For a $250,000 dwelling profile, Ohio\u2019s average is in the low-$1,200s; your cheapest quote will depend on your home, ZIP code, and discounts \u2014 compare at least three carriers (<a href=\"https:\/\/www.bankrate.com\">source<\/a>).<\/li>\n\n\n\n<li><strong>Benchmarking:<\/strong> Ohio\u2019s latest NAIC statewide average expenditure is in the low-$1,100s (2022), below the national average (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">source<\/a>).<\/li>\n\n\n\n<li><strong>$300,000 profile:<\/strong> For a similar policy with $300,000 in dwelling coverage, recent estimates place Ohio\u2019s average around the mid-$1,400s to mid-$1,500s annually (<a href=\"https:\/\/www.nerdwallet.com\">source<\/a>; <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/ohio\/\">source<\/a>).<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-expensive\" title=\"Top 3 Most Expensive Homeowner Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowner Insurance Companies in Ohio<\/h2>\n\n\n\n<ul>\n<li><strong>High-end outliers:<\/strong> Quotes can be higher for older roofs, higher-risk ZIP codes, or prior claims; review wind\/hail deductibles and roof settlement terms, which vary by insurer.<\/li>\n\n\n\n<li><strong>Coverage choices matter:<\/strong> Higher limits, lower deductibles, and add-ons like water backup or service line \u2014 or extended\/guaranteed replacement cost \u2014 will increase premiums.<\/li>\n\n\n\n<li><strong>Shop broadly:<\/strong> Rates vary widely by insurer and underwriting appetite; re-shop at renewal to track market changes and new discounts.<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"perils\" title=\"Common Home Insurance Perils\"><\/span>\n    \n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Common Home Insurance Perils in Ohio<\/h2>\n\n\n\n<p>Wind and hail are typically the most frequent homeowners claims in Ohio, with water damage\/freezing and fire\/lightning also major causes (<a class=\"achor-toggles\" href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Triple\u2011I<\/a>). NOAA\u2019s 2024 billion\u2011dollar disaster report confirms an exceptionally active severe\u2011storm environment, underscoring wind, hail, and tornado risk across the Midwest\/Ohio Valley (<a class=\"achor-toggles\" href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>). Standard homeowners insurance excludes flood; homeowners who face riverine or heavy\u2011rain flooding should consider separate flood coverage (<a class=\"achor-toggles\" href=\"https:\/\/www.iii.org\/article\/flood-insurance\">III: Flood insurance<\/a>; modeled Ohio flood exposure: <a class=\"achor-toggles\" href=\"https:\/\/riskfactor.com\/state\/ohio\">RiskFactor<\/a>).<\/p>\n\n\n\n<p>Winter weather and plumbing leaks drive many water\/freezing claims, while structure fires remain among the costliest losses on a severity basis. Ohio state fire officials publish annual reports detailing continuing residential fire incidents and property loss (<a class=\"achor-toggles\" href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Triple\u2011I<\/a>; <a class=\"achor-toggles\" href=\"https:\/\/www.com.ohio.gov\/fire\/\">Ohio State Fire Marshal<\/a>).<\/p>\n\n\n\n<p>Theft and burglary represent a smaller share of homeowners claims relative to weather and water losses. FBI\u2019s latest 2023 release shows burglary continuing a multi\u2011year decline since 2018 nationally \u2014 a pattern Ohio generally follows, with local variation by community (<a class=\"achor-toggles\" href=\"https:\/\/crime-data-explorer.fr.cloud.gov\/\">FBI Crime Data Explorer<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Add-on home insurance coverage in Ohio<\/h3>\n\n\n\n<p>Basic <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/guide-homeowners-insurance-coverage\/\" class=\"achor-toggles\">homeowners insurance coverage<\/a> is fairly robust, but there are many losses that home insurance does not cover. You can find your policy\u2019s covered perils on your insurance <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/home-insurance-declaration-page\/\" class=\"achor-toggles\">declaration page<\/a>.&nbsp;<\/p>\n\n\n\n<p>To fill gaps in coverage, Ohio homeowners may want to consider purchasing add-on coverages. For example, purchasing a flood insurance policy can be&nbsp; valuable, because basic home insurance will not cover flooding and residual <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/does-homeowners-insurance-cover-water-damage\/\">water damage<\/a> caused by floods. Many insurers can help you obtain a National Flood Insurance Program (NFIP) policy; NFIP pricing under Risk Rating 2.0 continues to phase in and most new policies carry a 30\u2011day waiting period (<a class=\"achor-toggles\" href=\"https:\/\/www.fema.gov\">FEMA NFIP 2025 update<\/a>; <a class=\"achor-toggles\" href=\"https:\/\/www.iii.org\/article\/flood-insurance\">III<\/a>). Private flood options and \u201cinland flood\u201d endorsements are also expanding in some areas.<\/p>\n\n\n\n<p>Another add-on policy that can be beneficial for Ohio homeowners is scheduled personal property coverage, also called valuable items coverage, which is available through many providers. This policy extends your coverage limits for the valuable belongings you keep in your home, like furs, collections, jewelry, and fine art (<a class=\"achor-toggles\" href=\"https:\/\/www.iii.org\/article\/insurance-for-jewelry-and-other-valuable-items\">III: Insuring jewelry and valuables<\/a>).<\/p>\n\n\n\n<p>Before you purchase homeowners insurance in Ohio, you may want to review some of these state-sponsored resources:<\/p>\n\n\n\n<ul>\n<li>Ohio Department of Insurance\u2019s <a href=\"https:\/\/cityofsteubenville.us\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Homeowners Insurance Guide<\/a><\/li>\n\n\n\n<li>City of Cleveland\u2019s <a href=\"https:\/\/www.clevelandohio.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Home Inventory Worksheet<\/a><\/li>\n\n\n\n<li>Ohio Committee for Severe Weather Awareness\u2019 <a href=\"https:\/\/www.weathersafety.ohio.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Flood Insurance Information<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Ohio Home Insurance FAQ \"><\/span>\n    \n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ohio Home Insurance FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_60abaed348418\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the best homeowners insurance rates in Ohio?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on 2021 data from Bankrate.com, Buckeye Insurance has the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\"><span style=\"font-weight: 400;\">cheapest homeowners insurance<\/span><\/a><span style=\"font-weight: 400;\"> rates in Ohio, with an average annual premium of $371. <\/span><span style=\"font-weight: 400;\">However, Buckeye Insurance didn\u2019t make our list of the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\"><span style=\"font-weight: 400;\">best home insurance companies<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60abaef848419\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is house insurance in Ohio?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The average <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\"><span style=\"font-weight: 400;\">home insurance quote<\/span><\/a><span style=\"font-weight: 400;\"> in Ohio is $1,111 per year, based on 2021 data from Bankrate.com.<\/span><span style=\"font-weight: 400;\"> However, remember that you could pay more or less than that based on your personal profile.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60abaf214841a\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is homeowners insurance a month in Ohio?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">When you consider that the average annual home insurance premium in Ohio is $1,111, that would break down to about $93 per month. <\/span><span style=\"font-weight: 400;\">If you\u2019re able to take advantage of discounts, you might pay even less.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated the companies based on their third-party agency ratings for customer experience and financial stability, as well as coverage options, discounts, and current Ohio market context (pricing trends, wind\/hail exposure, and roof underwriting practices) to determine which might be the best providers.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li>Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.<\/li>\n\n\n\n<li>Customer Experience: We reviewed the National Association of Insurance Commissioners\u2019 National Complaint Index and compared each homeowners insurance company\u2019s complaint rating.<\/li>\n\n\n\n<li>Customer Satisfaction: With J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Home Insurance Study<\/a>, we assigned a score to each company based on the rating it received.<\/li>\n\n\n\n<li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company\u2019s financial stability.<\/li>\n\n\n\n<li>Discounts: We reviewed and compared the number of discounts advertised on each home insurance company\u2019s website. The more available discounts, the higher the score in this metric.<\/li>\n<\/ul>\n\n\n\n<p>Rates and averages cited reflect the latest NAIC statewide expenditure for Ohio (policy year 2022, via the Insurance Information Institute) and current market snapshots from sources like Bankrate, NerdWallet, and Policygenius using standardized profiles. These are sample rates and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Home insurance in the Buckeye State is affordable compared to other states. The latest NAIC homeowners data compiled by the Insurance Information Institute shows Ohio\u2019s average homeowners expenditure in the low-$1,100s (policy year 2022), below the U.S. average. More current market snapshots indicate typical premiums around the low-$1,200s per year for a $250,000 [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362072,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[21174,21910],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Ohio Home Insurance Companies 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"The best home insurance companies in Ohio were reviewed based on average premiums, discounts, customer satisfaction, coverage, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-ohio\/\" \/>\n<meta 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