Best Ohio Homeowners Insurance for 2026
Auto-Owners has the best overall home insurance, but State Farm may be cheaper
- Auto-Owners’ rates, service and coverage options help make it the best home insurance company in Ohio.
- Homeowners insurance in Ohio costs an average of $2,232 a year.
- Ohio home insurance rates have gone up by 47% over the past five years.
- Intensifying storms and rising construction costs have driven up home insurance rates.
Best Ohio homeowners insurance
Auto-Owners is the best overall homeowners insurance company in Ohio. State Farm has Ohio’s cheapest home insurance, and American Family has the best coverage options.
Cincinnati stands out for its customer service. It has a better complaint rating than most other companies from the National Association of Insurance Commissioners (NAIC)
Best overall: Auto-Owners
Average annual rate: $1,988
Why we chose it: Auto-Owners combines low rates with good customer service and flexible coverage options. It also has cheap car insurance in Ohio, which is good for bundlers
Who it’s best for: Most homeowners. Auto-Owners also has excellent customer service and charges 11% less than the state average for home insurance. It also has useful add-ons you can get to customize your coverage. These include inland flood coverage for homes that don’t need all the protections of separate flood insurance.
PROS
- Charges 11% less than the state average for home insurance
- Affordable car insurance makes it a good deal for bundling
- Flexible add-on coverage options for extra protection
CONS
- Five companies are cheaper
- Cincinnati and American Family have better complaint scores
Best rates: State Farm
Average annual rate: $1,464
Why we chose it: State Farm’s average home insurance rate of $1,464 is 34% less than the state average. No other company in our analysis is cheaper.
Who it’s best for: Value seekers. State Farm does not offer as many optional add-ons as American Family. However, it is the most affordable company for the coverages most homeowners need. Its website makes it easy to get quotes, and you can manage your policy online or with its smartphone app. You can also call a local agent if you prefer more personalized service.
PROS
- Ohio’s cheapest home insurance
- Personalized service from local agents
- Easy-to-use website and smartphone app
CONS
- Highest complaint rating in our analysis
- Fewer add-on coverages than American Family
Best coverage options : American Family
Average annual rate: $2,230
Why we chose it: American Family lets you customize your coverage with more optional extras than most other companies. These include water-damage protections that most other companies don’t offer.
Who it’s best for: Homeowners who want serious protection. American Family gives you more options for protecting your home than most other companies. These include coverage for hidden leaks and flash flood protection for homes that don’t need separate flood insurance.
PROS
- Useful add-ons for customizing your coverage
- Coverage available for hidden leaks and flash floods
- Excellent NAIC complaint rating
CONS
- Rates are just average
- Cincinnati has a better complaint rating
Best customer service: Cincinnati Insurance
Average annual rate: $1,616
Why we chose it: Cincinnati’s 0.2 complaint score means it has about one-fifth as many complaints as average. No other company in our analysis has a better score.
Who it’s best for: Homeowners who want basic coverage. Like State Farm, Cincinnati offers cheap home insurance on basic protections for your home and belongings. It doesn’t have as many add-on protections as Auto-Owners and American Family. However, its excellent complaint rating means it usually comes through on claims.
PROS
- Best complaint rating in Ohio
- Home insurance rates are 28% less than the state average
- Discounts available for water shut-off devices
CONS
- Few add-ons for customizing your coverage
- Online quotes and claims not available
Compare Ohio home insurance rates and ratings
| Company | Annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $1,464 | 4/5 | 1.4 |
| Cincinnati | $1,616 | 4/5 | 0.2 |
 | Allstate | $1,642 | 4/5 | 1.2 |
 | Farmers | $1,954 |  3.5/5 | 0.7 |
 | Auto-Owners | $1,988 | 4/5 | 0.5 |
| American Family | $2,230 | 4/5 | 0.4 |
 | Westfield | $2,681 | 4/5 | 0.5 |
 | Grange | $2,802 |  3/5 | 0.6 |
 | Erie | $3,153 | 4/5 | 0.5 |
 | Nationwide | $3,190 | 3.5/5 | 1.2 |
 | USAA** | $1,837 | 4/5 | 0.5 |
**USAA is only available to current and former members of the military, their spouses, children of USAA members and employees of certain federal agencies.
Each company’s rates vary by customer. It’s good to compare home insurance quotes from a few companies to find the cheapest rate.
LendingTree analyzed thousands of quotes from top insurers across Ohio to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Ohio?
Homeowners insurance costs an average of $2,232 a year in Ohio, or $186 a month.
This means Ohio homeowners pay 15% less than the national average of $2,628 a year.
Average home insurance rates by dwelling coverage amount
The actual price you pay depends on factors like your location, your home’s age and even your credit. The amount of coverage you need also affects your home insurance rate.
For example, it costs $2,861 per year to insure a $550,000 home. This is 28% higher than the rate for a $400,000 home. You usually have to insure your home at its replacement value
Home insurance rates by dwelling coverage
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| American Family | $1,852 | $2,230 | $2,781 | $3,423 |
| Auto-Owners | $1,592 | $1,988 | $2,418 | $3,229 |
| Cincinnati | $1,232 | $1,616 | $2,258 | $2,985 |
| State Farm | $1,260 | $1,464 | $1,764 | $2,166 |
| Average | $1,814 | $2,232 | $2,861 | $3,657 |
Ohio home insurance rates by city
Home insurance tends to cost more in areas where extreme weather events are more common.
- At $2,838 a year, Rosemount has the most expensive home insurance rates among Ohio’s cities and towns. This is 27% higher than the state average.
- Homeowners in Wadsworth have the state’s cheapest home insurance at $1,895 a year, or 15% less than the average.
| City | Annual rate |
|---|---|
| Aberdeen | $2,592 |
| Ada | $2,386 |
| Adamsville | $2,172 |
| Addyston | $2,406 |
| Adelphi | $2,476 |
| Adena | $1,998 |
| Akron | $2,101 |
| Albany | $2,450 |
| Alexandria | $2,228 |
| Alger | $2,378 |
| Alledonia | $2,144 |
| Alliance | $2,047 |
| Alpha | $2,510 |
| Alvada | $2,334 |
| Alvordton | $2,168 |
| Amanda | $2,325 |
| Amberley | $2,201 |
| Amelia | $2,296 |
| Amesville | $2,381 |
| Amherst | $2,111 |
| Amlin | $2,199 |
| Amsterdam | $2,025 |
| Andersonville | $2,541 |
| Andover | $2,070 |
| Anna | $2,361 |
| Ansonia | $2,443 |
| Antwerp | $2,240 |
| Apple Creek | $2,074 |
| Apple Valley | $2,147 |
| Aquilla | $1,946 |
| Arcadia | $2,295 |
| Arcanum | $2,456 |
| Archbold | $2,223 |
| Arlington | $2,299 |
| Arlington Heights | $2,216 |
| Ashland | $2,121 |
| Ashley | $2,261 |
| Ashtabula | $2,063 |
| Ashville | $2,334 |
| Athens | $2,210 |
| Attica | $2,290 |
| Atwater | $2,085 |
| Aurora | $1,959 |
| Austinburg | $2,068 |
| Austintown | $2,037 |
| Ava | $2,195 |
| Avon | $1,977 |
| Avon Lake | $1,935 |
| Bainbridge | $2,146 |
| Bakersville | $2,181 |
| Ballville | $2,028 |
| Baltic | $2,053 |
| Baltimore | $2,302 |
| Bannock | $2,042 |
| Barberton | $2,125 |
| Barnesville | $2,111 |
| Bartlett | $2,268 |
| Barton | $2,074 |
| Bascom | $2,240 |
| Batavia | $2,288 |
| Bay View | $2,095 |
| Bay Village | $2,081 |
| Beach City | $1,995 |
| Beachwood | $1,974 |
| Beallsville | $2,092 |
| Beaver | $2,768 |
| Beavercreek | $2,334 |
| Beaverdam | $2,296 |
| Beckett Ridge | $2,254 |
| Bedford | $2,139 |
| Bedford Heights | $2,155 |
| Beechwood Trails | $2,296 |
| Bellaire | $2,080 |
| Bellbrook | $2,391 |
| Belle Center | $2,374 |
| Belle Valley | $2,200 |
| Bellefontaine | $2,298 |
| Bellevue | $2,109 |
| Bellville | $2,184 |
| Belmont | $2,034 |
| Belmore | $2,426 |
| Beloit | $2,111 |
| Belpre | $2,103 |
| Bentleyville | $1,971 |
| Benton Ridge | $2,341 |
| Bentonville | $2,617 |
| Berea | $1,951 |
| Bergholz | $2,013 |
| Berkey | $2,225 |
| Berlin Center | $2,024 |
| Berlin Heights | $2,145 |
| Bethel | $2,398 |
| Bethesda | $2,067 |
| Bettsville | $2,089 |
| Beverly | $2,198 |
| Bexley | $2,302 |
| Bidwell | $2,451 |
| Big Prairie | $2,137 |
| Birmingham | $2,165 |
| Blacklick | $2,262 |
| Blacklick Estates | $2,343 |
| Bladensburg | $2,224 |
| Blaine | $2,066 |
| Blakeslee | $2,225 |
| Blanchester | $2,423 |
| Blissfield | $2,173 |
| Bloomdale | $2,275 |
| Bloomingburg | $2,507 |
| Bloomingdale | $2,053 |
| Bloomville | $2,281 |
| Blue Ash | $2,228 |
| Blue Creek | $2,671 |
| Blue Rock | $2,226 |
| Bluffton | $2,263 |
| Boardman | $1,994 |
| Bolindale | $2,029 |
| Bolivar | $2,058 |
| Boston Heights | $1,974 |
| Botkins | $2,396 |
| Bourneville | $2,572 |
| Bowerston | $2,060 |
| Bowersville | $2,514 |
| Bowling Green | $2,137 |
| Bradford | $2,331 |
| Bradner | $2,230 |
| Brady Lake | $2,012 |
| Bratenahl | $2,291 |
| Brecksville | $1,957 |
| Bremen | $2,332 |
| Brewster | $1,991 |
| Brice | $2,242 |
| Bridgeport | $2,040 |
| Bridgetown | $2,320 |
| Brilliant | $2,057 |
| Brimfield | $1,969 |
| Brinkhaven | $2,229 |
| Bristolville | $2,076 |
| Broadview Heights | $1,967 |
| Broadway | $2,208 |
| Brook Park | $2,056 |
| Brookfield | $1,953 |
| Brookfield Center | $1,985 |
| Brooklyn | $2,099 |
| Brooklyn Heights | $2,040 |
| Brookpark | $2,122 |
| Brookside | $2,037 |
| Brookville | $2,515 |
| Brownsville | $2,172 |
| Brunswick | $1,935 |
| Bryan | $2,199 |
| Buchtel | $2,320 |
| Buckeye Lake | $2,233 |
| Buckland | $2,512 |
| Bucyrus | $2,190 |
| Burbank | $2,047 |
| Burghill | $2,015 |
| Burgoon | $2,252 |
| Burkettsville | $2,368 |
| Burlington | $2,597 |
| Burton | $1,983 |
| Butler | $2,178 |
| Byesville | $2,182 |
| Cable | $2,409 |
| Cadiz | $2,059 |
| Cairo | $2,445 |
| Calcutta | $2,055 |
| Caldwell | $2,134 |
| Caledonia | $2,315 |
| Cambridge | $2,153 |
| Camden | $2,631 |
| Cameron | $2,240 |
| Camp Dennison | $2,205 |
| Campbell | $2,053 |
| Canal Fulton | $1,904 |
| Canal Winchester | $2,314 |
| Candlewood Lake | $2,301 |
| Canfield | $1,990 |
| Canton | $2,044 |
| Carbon Hill | $2,394 |
| Carbondale | $2,326 |
| Cardington | $2,233 |
| Carey | $2,228 |
| Carlisle | $2,460 |
| Carroll | $2,337 |
| Carrollton | $2,049 |
| Casstown | $2,373 |
| Castalia | $2,199 |
| Catawba | $2,303 |
| Cecil | $2,333 |
| Cedarville | $2,441 |
| Celina | $2,361 |
| Centerburg | $2,217 |
| Centerville | $2,321 |
| Chagrin Falls | $1,954 |
| Champion Heights | $2,036 |
| Chandlersville | $2,192 |
| Chardon | $1,936 |
| Charm | $2,171 |
| Chauncey | $2,358 |
| Cherry Fork | $2,578 |
| Cherry Grove | $2,166 |
| Chesapeake | $2,485 |
| Cheshire | $2,574 |
| Chesterhill | $2,253 |
| Chesterland | $1,930 |
| Chesterville | $2,288 |
| Cheviot | $2,269 |
| Chickasaw | $2,448 |
| Chillicothe | $2,554 |
| Chilo | $2,456 |
| Chippewa Lake | $1,967 |
| Chippewa Park | $2,457 |
| Choctaw Lake | $2,271 |
| Christiansburg | $2,395 |
| Churchill | $2,039 |
| Cincinnati | $2,288 |
| Cinnamon Lake | $2,149 |
| Circleville | $2,429 |
| Clarington | $2,184 |
| Clarksburg | $2,593 |
| Clarksville | $2,533 |
| Clay Center | $2,266 |
| Clayton | $2,408 |
| Cleveland | $2,221 |
| Cleveland Heights | $2,154 |
| Cleves | $2,338 |
| Clifton | $2,428 |
| Clinton | $2,081 |
| Cloverdale | $2,375 |
| Clyde | $2,133 |
| Coal Grove | $2,551 |
| Coal Run | $2,202 |
| Coalton | $2,492 |
| Coldstream | $2,164 |
| Coldwater | $2,320 |
| College Corner | $2,667 |
| Collins | $2,216 |
| Collinsville | $2,491 |
| Colton | $2,381 |
| Columbia Station | $1,964 |
| Columbiana | $1,970 |
| Columbus | $2,295 |
| Columbus Grove | $2,286 |
| Commercial Point | $2,361 |
| Conesville | $2,192 |
| Conneaut | $2,000 |
| Conover | $2,271 |
| Continental | $2,378 |
| Convoy | $2,480 |
| Coolville | $2,317 |
| Corning | $2,429 |
| Cortland | $2,003 |
| Coshocton | $2,117 |
| Covedale | $2,292 |
| Covington | $2,232 |
| Craig Beach | $2,092 |
| Creola | $2,505 |
| Crestline | $2,235 |
| Creston | $1,988 |
| Cridersville | $2,314 |
| Crooksville | $2,366 |
| Croton | $2,224 |
| Crown City | $2,569 |
| Crystal Lakes | $2,398 |
| Cuba | $2,468 |
| Cumberland | $2,199 |
| Curtice | $2,284 |
| Custar | $2,316 |
| Cutler | $2,278 |
| Cuyahoga Falls | $1,937 |
| Cuyahoga Heights | $2,118 |
| Cygnet | $2,300 |
| Cynthiana | $2,625 |
| Dalton | $2,067 |
| Danville | $2,161 |
| Darbydale | $2,285 |
| Day Heights | $2,211 |
| Dayton | $2,549 |
| De Graff | $2,362 |
| Deer Park | $2,150 |
| Deerfield | $2,011 |
| Deersville | $2,160 |
| Defiance | $2,260 |
| Delaware | $2,231 |
| Delhi Hills | $2,299 |
| Dellroy | $2,121 |
| Delphos | $2,316 |
| Delshire | $2,304 |
| Delta | $2,226 |
| Dennison | $2,075 |
| Dent | $2,300 |
| Derby | $2,392 |
| Derwent | $2,172 |
| Deshler | $2,327 |
| Devola | $2,076 |
| Dexter City | $2,216 |
| Diamond | $2,028 |
| Dillonvale | $2,115 |
| Dola | $2,413 |
| Donnelsville | $2,350 |
| Dorset | $2,089 |
| Dover | $2,072 |
| Doylestown | $2,014 |
| Dresden | $2,197 |
| Drexel | $2,708 |
| Dry Ridge | $2,289 |
| Dry Run | $2,183 |
| Dublin | $2,103 |
| Dunbridge | $2,253 |
| Duncan Falls | $2,136 |
| Dundee | $2,086 |
| Dunkirk | $2,344 |
| Dunlap | $2,298 |
| Dupont | $2,353 |
| East Canton | $1,994 |
| East Claridon | $2,009 |
| East Cleveland | $2,345 |
| East Fultonham | $2,191 |
| East Liberty | $2,327 |
| East Liverpool | $2,047 |
| East Palestine | $1,977 |
| East Rochester | $2,059 |
| East Sparta | $2,122 |
| East Springfield | $2,081 |
| Eastlake | $1,996 |
| Eaton | $2,505 |
| Eaton Estates | $2,121 |
| Edgerton | $2,216 |
| Edgewood | $2,072 |
| Edison | $2,303 |
| Edon | $2,250 |
| Eldorado | $2,533 |
| Elgin | $2,442 |
| Elida | $2,346 |
| Elkton | $2,085 |
| Elmore | $2,260 |
| Elmwood Place | $2,392 |
| Elyria | $2,072 |
| Empire | $2,049 |
| Englewood | $2,397 |
| Enon | $2,361 |
| Euclid | $2,182 |
| Evansport | $2,206 |
| Evendale | $2,276 |
| Fairborn | $2,327 |
| Fairfax | $2,186 |
| Fairfield | $2,395 |
| Fairfield Beach | $2,222 |
| Fairlawn | $2,007 |
| Fairpoint | $2,045 |
| Fairport Harbor | $1,899 |
| Fairview | $2,161 |
| Fairview Park | $1,996 |
| Farmdale | $2,077 |
| Farmersville | $2,596 |
| Fayette | $2,257 |
| Fayetteville | $2,467 |
| Feesburg | $2,502 |
| Felicity | $2,514 |
| Findlay | $2,235 |
| Finneytown | $2,287 |
| Five Points | $2,377 |
| Flat Rock | $2,226 |
| Fleming | $2,239 |
| Fletcher | $2,288 |
| Flushing | $2,078 |
| Forest | $2,373 |
| Forest Park | $2,394 |
| Forestville | $2,168 |
| Fort Jennings | $2,285 |
| Fort Loramie | $2,311 |
| Fort Recovery | $2,411 |
| Fort Shawnee | $2,410 |
| Fostoria | $2,161 |
| Four Bridges | $2,438 |
| Fowler | $2,064 |
| Frankfort | $2,497 |
| Franklin | $2,472 |
| Franklin Furnace | $2,721 |
| Frazeysburg | $2,267 |
| Fredericksburg | $2,126 |
| Fredericktown | $2,213 |
| Freeport | $2,174 |
| Fremont | $2,051 |
| Fresno | $2,142 |
| Friendship | $2,631 |
| Fruit Hill | $2,149 |
| Fulton | $2,300 |
| Fultonham | $2,201 |
| Gahanna | $2,249 |
| Galena | $2,197 |
| Galion | $2,220 |
| Gallipolis | $2,495 |
| Galloway | $2,272 |
| Gambier | $2,222 |
| Garfield Heights | $2,150 |
| Garrettsville | $2,039 |
| Gates Mills | $1,992 |
| Geneva | $2,048 |
| Geneva-on-the-Lake | $2,053 |
| Genoa | $2,254 |
| Georgetown | $2,530 |
| Germantown | $2,543 |
| Gettysburg | $2,335 |
| Gibsonburg | $2,176 |
| Girard | $2,039 |
| Glandorf | $2,292 |
| Glencoe | $2,060 |
| Glendale | $2,207 |
| Glenford | $2,288 |
| Glenmont | $2,161 |
| Glenmoor | $2,068 |
| Glenwillow | $2,001 |
| Gloria Glens Park | $1,987 |
| Glouster | $2,351 |
| Gnadenhutten | $2,105 |
| Golf Manor | $2,244 |
| Gomer | $2,438 |
| Goshen | $2,458 |
| Grafton | $2,119 |
| Grand Rapids | $2,212 |
| Grand River | $2,010 |
| Grandview | $2,335 |
| Grandview Heights | $2,164 |
| Granville | $2,217 |
| Granville South | $2,221 |
| Gratiot | $2,206 |
| Graysville | $2,252 |
| Graytown | $2,240 |
| Green | $1,993 |
| Green Meadows | $2,362 |
| Green Springs | $2,163 |
| Greenfield | $2,693 |
| Greenford | $2,071 |
| Greenhills | $2,321 |
| Greentown | $1,947 |
| Greenville | $2,360 |
| Greenwich | $2,287 |
| Grelton | $2,267 |
| Groesbeck | $2,336 |
| Grove City | $2,274 |
| Groveport | $2,256 |
| Grover Hill | $2,402 |
| Guysville | $2,430 |
| Gypsum | $2,226 |
| Hallsville | $2,439 |
| Hamden | $2,557 |
| Hamersville | $2,490 |
| Hamilton | $2,487 |
| Hamler | $2,363 |
| Hammondsville | $2,053 |
| Hannibal | $2,173 |
| Hanover | $2,194 |
| Hanoverton | $2,072 |
| Harbor Hills | $2,278 |
| Harbor View | $2,217 |
| Harpster | $2,236 |
| Harrisburg | $2,278 |
| Harrison | $2,296 |
| Harrod | $2,412 |
| Hartville | $2,048 |
| Harveysburg | $2,304 |
| Haskins | $2,216 |
| Haverhill | $2,550 |
| Haviland | $2,368 |
| Haydenville | $2,360 |
| Hayesville | $2,127 |
| Heath | $2,218 |
| Hebron | $2,227 |
| Helena | $2,245 |
| Hicksville | $2,269 |
| Higginsport | $2,461 |
| Highland Heights | $2,045 |
| Highland Hills | $2,009 |
| Highpoint | $2,225 |
| Hilliard | $2,137 |
| Hillsboro | $2,658 |
| Hinckley | $1,995 |
| Hiram | $2,003 |
| Hockingport | $2,329 |
| Holgate | $2,380 |
| Holiday Valley | $2,368 |
| Holland | $2,239 |
| Hollansburg | $2,488 |
| Holloway | $2,095 |
| Holmesville | $2,043 |
| Homerville | $2,079 |
| Homeworth | $2,038 |
| Hooven | $2,455 |
| Hopedale | $2,029 |
| Hopewell | $2,253 |
| Houston | $2,392 |
| Howard | $2,170 |
| Howland Center | $2,013 |
| Hoytville | $2,279 |
| Hubbard | $2,042 |
| Huber Heights | $2,382 |
| Huber Ridge | $2,160 |
| Hudson | $1,969 |
| Hunter | $2,462 |
| Hunting Valley | $1,967 |
| Huntsburg | $2,003 |
| Huntsville | $2,327 |
| Huron | $2,057 |
| Iberia | $2,301 |
| Independence | $2,020 |
| Irondale | $2,005 |
| Ironton | $2,537 |
| Irwin | $2,201 |
| Isle St. George | $2,365 |
| Jackson | $2,614 |
| Jackson Center | $2,347 |
| Jacksontown | $2,190 |
| Jacksonville | $2,351 |
| Jacobsburg | $2,052 |
| Jamestown | $2,422 |
| Jefferson | $2,067 |
| Jeffersonville | $2,470 |
| Jenera | $2,340 |
| Jeromesville | $2,146 |
| Jerry City | $2,226 |
| Jerusalem | $2,091 |
| Jewell | $2,274 |
| Jewett | $2,095 |
| Johnstown | $2,260 |
| Junction City | $2,358 |
| Kalida | $2,407 |
| Kansas | $2,222 |
| Keene | $2,241 |
| Kelleys Island | $2,184 |
| Kensington | $2,031 |
| Kent | $1,968 |
| Kenton | $2,316 |
| Kenwood | $2,176 |
| Kerr | $2,510 |
| Kettering | $2,361 |
| Kettlersville | $2,396 |
| Kidron | $2,058 |
| Kilbourne | $2,208 |
| Killbuck | $2,108 |
| Kimbolton | $2,143 |
| Kings Mills | $2,384 |
| Kingston | $2,447 |
| Kingsville | $2,137 |
| Kinsman | $1,972 |
| Kinsman Center | $1,981 |
| Kipling | $2,126 |
| Kipton | $2,081 |
| Kirby | $2,257 |
| Kirkersville | $2,237 |
| Kirtland | $1,928 |
| Kirtland Hills | $1,913 |
| Kitts Hill | $2,482 |
| Kunkle | $2,224 |
| La Croft | $2,063 |
| La Rue | $2,330 |
| LaGrange | $2,125 |
| Lacarne | $2,219 |
| Lafferty | $2,099 |
| Laings | $2,154 |
| Lake Darby | $2,257 |
| Lake Lakengren | $2,502 |
| Lake Lorelei | $2,466 |
| Lake Milton | $2,080 |
| Lake Mohawk | $1,965 |
| Lake Waynoka | $2,652 |
| Lakemore | $2,053 |
| Lakeside | $2,292 |
| Lakeside Marblehead | $2,300 |
| Lakeview | $2,446 |
| Lakeville | $2,100 |
| Lakewood | $2,130 |
| Lancaster | $2,354 |
| Landen | $2,300 |
| Langsville | $2,459 |
| Lansing | $2,042 |
| Latham | $2,599 |
| Laura | $2,350 |
| Laurelville | $2,440 |
| Leavittsburg | $2,058 |
| Lebanon | $2,351 |
| Leesburg | $2,658 |
| Leesville | $2,135 |
| Leetonia | $1,991 |
| Leipsic | $2,276 |
| Lemoyne | $2,256 |
| Lewis Center | $2,116 |
| Lewisburg | $2,482 |
| Lewistown | $2,393 |
| Lewisville | $2,147 |
| Lexington | $2,164 |
| Liberty Center | $2,288 |
| Lima | $2,421 |
| Limaville | $2,063 |
| Lincoln Heights | $2,265 |
| Lincoln Village | $2,307 |
| Lindsey | $2,249 |
| Lisbon | $2,040 |
| Litchfield | $2,020 |
| Lithopolis | $2,349 |
| Little Hocking | $2,199 |
| Lockbourne | $2,288 |
| Lockland | $2,225 |
| Lodi | $2,105 |
| Logan | $2,326 |
| London | $2,290 |
| Londonderry | $2,608 |
| Long Bottom | $2,470 |
| Lorain | $2,199 |
| Lordstown | $2,075 |
| Lore City | $2,202 |
| Loudonville | $2,117 |
| Louisville | $1,995 |
| Loveland | $2,297 |
| Loveland Park | $2,249 |
| Lowell | $2,101 |
| Lowellville | $2,005 |
| Lower Salem | $2,127 |
| Lucas | $2,159 |
| Lucasville | $2,786 |
| Luckey | $2,134 |
| Ludlow Falls | $2,288 |
| Lynchburg | $2,683 |
| Lyndhurst | $2,025 |
| Lynx | $2,687 |
| Lyons | $2,294 |
| Macedonia | $1,950 |
| Mack | $2,316 |
| Macksburg | $2,197 |
| Madeira | $2,152 |
| Madison | $1,957 |
| Magnetic Springs | $2,196 |
| Magnolia | $2,046 |
| Maineville | $2,324 |
| Malinta | $2,314 |
| Malta | $2,296 |
| Malvern | $1,955 |
| Manchester | $2,680 |
| Mansfield | $2,192 |
| Mantua | $1,926 |
| Maple Heights | $2,064 |
| Maple Ridge | $2,117 |
| Maplewood | $2,373 |
| Marble Cliff | $2,154 |
| Marblehead | $2,295 |
| Marengo | $2,238 |
| Maria Stein | $2,368 |
| Mariemont | $2,185 |
| Marietta | $2,071 |
| Marion | $2,273 |
| Mark Center | $2,392 |
| Marne | $2,201 |
| Marshallville | $1,994 |
| Martel | $2,256 |
| Martin | $2,403 |
| Martins Ferry | $2,067 |
| Martinsburg | $2,252 |
| Martinsville | $2,580 |
| Marysville | $2,159 |
| Mason | $2,253 |
| Massillon | $2,006 |
| Masury | $2,022 |
| Maumee | $2,153 |
| Maximo | $2,051 |
| Mayfield | $2,038 |
| Mayfield Heights | $2,028 |
| Maynard | $2,038 |
| Mc Comb | $2,283 |
| Mc Cutchenville | $2,228 |
| Mc Dermott | $2,663 |
| Mc Guffey | $2,336 |
| McArthur | $2,564 |
| McClure | $2,337 |
| McDonald | $1,958 |
| Mcconnelsville | $2,334 |
| Mechanicsburg | $2,249 |
| Mechanicstown | $2,035 |
| Medina | $1,975 |
| Medway | $2,404 |
| Melmore | $2,300 |
| Melrose | $2,338 |
| Mendon | $2,506 |
| Mentor | $1,905 |
| Mentor-on-the-Lake | $1,909 |
| Metamora | $2,217 |
| Meyers Lake | $2,029 |
| Miami Heights | $2,325 |
| Miamisburg | $2,549 |
| Miamitown | $2,346 |
| Miamiville | $2,485 |
| Middle Bass | $2,458 |
| Middle Point | $2,512 |
| Middlebranch | $2,040 |
| Middleburg | $2,334 |
| Middleburg Heights | $2,079 |
| Middlefield | $2,001 |
| Middleport | $2,488 |
| Middletown | $2,504 |
| Midland | $2,552 |
| Midvale | $2,124 |
| Milan | $2,080 |
| Milford | $2,209 |
| Milford Center | $2,281 |
| Millbury | $2,215 |
| Milledgeville | $2,376 |
| Miller City | $2,406 |
| Millersburg | $2,016 |
| Millersport | $2,303 |
| Millfield | $2,383 |
| Milton Center | $2,213 |
| Mineral City | $2,077 |
| Mineral Ridge | $2,012 |
| Minerva | $2,023 |
| Minerva Park | $2,309 |
| Minford | $2,717 |
| Mingo | $2,483 |
| Mingo Junction | $2,071 |
| Minster | $2,296 |
| Mogadore | $2,033 |
| Monclova | $2,179 |
| Monfort Heights | $2,288 |
| Monroe | $2,447 |
| Monroeville | $2,194 |
| Montezuma | $2,339 |
| Montgomery | $2,232 |
| Montpelier | $2,135 |
| Montrose-Ghent | $2,009 |
| Montville | $2,037 |
| Moraine | $2,516 |
| Moreland Hills | $1,959 |
| Morgandale | $2,031 |
| Morral | $2,362 |
| Morristown | $2,078 |
| Morrow | $2,406 |
| Moscow | $2,514 |
| Mount Blanchard | $2,375 |
| Mount Carmel | $2,171 |
| Mount Cory | $2,325 |
| Mount Eaton | $2,067 |
| Mount Gilead | $2,304 |
| Mount Healthy | $2,280 |
| Mount Healthy Heights | $2,292 |
| Mount Hope | $2,080 |
| Mount Liberty | $2,296 |
| Mount Orab | $2,593 |
| Mount Perry | $2,323 |
| Mount Repose | $2,214 |
| Mount St. Joseph | $2,526 |
| Mount Sterling | $2,405 |
| Mount Vernon | $2,211 |
| Mount Victory | $2,371 |
| Mowrystown | $2,630 |
| Moxahala | $2,272 |
| Mulberry | $2,204 |
| Munroe Falls | $2,017 |
| Murray City | $2,376 |
| Nankin | $2,149 |
| Napoleon | $2,227 |
| Nashport | $2,238 |
| Nashville | $2,074 |
| Navarre | $2,005 |
| Neapolis | $2,278 |
| Neffs | $2,075 |
| Negley | $2,041 |
| Nelsonville | $2,392 |
| Nevada | $2,255 |
| Neville | $2,349 |
| New Albany | $2,088 |
| New Athens | $2,113 |
| New Baltimore | $2,296 |
| New Bavaria | $2,426 |
| New Bloomington | $2,323 |
| New Boston | $2,826 |
| New Bremen | $2,312 |
| New Burlington | $2,306 |
| New Carlisle | $2,280 |
| New Concord | $2,157 |
| New Franklin | $2,061 |
| New Hampshire | $2,362 |
| New Haven | $2,287 |
| New Holland | $2,464 |
| New Knoxville | $2,364 |
| New Lebanon | $2,596 |
| New Lexington | $2,318 |
| New London | $2,218 |
| New Madison | $2,442 |
| New Marshfield | $2,407 |
| New Matamoras | $2,303 |
| New Miami | $2,495 |
| New Middletown | $2,005 |
| New Paris | $2,516 |
| New Philadelphia | $2,050 |
| New Plymouth | $2,474 |
| New Richmond | $2,320 |
| New Riegel | $2,207 |
| New Rumley | $2,102 |
| New Springfield | $2,068 |
| New Straitsville | $2,420 |
| New Vienna | $2,494 |
| New Washington | $2,237 |
| New Waterford | $2,026 |
| New Weston | $2,466 |
| Newark | $2,206 |
| Newburgh Heights | $2,191 |
| Newbury | $2,014 |
| Newcomerstown | $2,125 |
| Newport | $2,103 |
| Newton Falls | $2,048 |
| Newtonsville | $2,367 |
| Newtown | $2,182 |
| Ney | $2,316 |
| Niles | $1,991 |
| North Baltimore | $2,195 |
| North Bend | $2,303 |
| North Benton | $2,088 |
| North Bloomfield | $2,045 |
| North Canton | $1,929 |
| North College Hill | $2,330 |
| North Fairfield | $2,309 |
| North Georgetown | $2,059 |
| North Hampton | $2,377 |
| North Jackson | $2,049 |
| North Kingsville | $2,006 |
| North Lawrence | $1,999 |
| North Lewisburg | $2,284 |
| North Lima | $1,984 |
| North Madison | $1,941 |
| North Olmsted | $2,059 |
| North Perry | $1,949 |
| North Randall | $2,169 |
| North Ridgeville | $2,017 |
| North Robinson | $2,224 |
| North Royalton | $1,909 |
| North Star | $2,434 |
| North Zanesville | $2,175 |
| Northbrook | $2,333 |
| Northfield | $2,001 |
| Northgate | $2,368 |
| Northridge | $2,326 |
| Northwood | $2,160 |
| Norton | $2,135 |
| Norwalk | $2,098 |
| Norwich | $2,242 |
| Norwood | $2,190 |
| Nova | $2,158 |
| Novelty | $1,960 |
| Oak Harbor | $2,311 |
| Oak Hill | $2,657 |
| Oakwood | $2,302 |
| Oberlin | $2,131 |
| Obetz | $2,380 |
| Oceola | $2,234 |
| Ohio City | $2,478 |
| Okeana | $2,594 |
| Okolona | $2,334 |
| Old Fort | $2,241 |
| Old Washington | $2,187 |
| Olde West Chester | $2,261 |
| Olmsted Falls | $2,049 |
| Ontario | $2,151 |
| Orange | $1,982 |
| Orangeville | $2,056 |
| Oregon | $2,276 |
| Oregonia | $2,543 |
| Orient | $2,324 |
| Orrville | $1,959 |
| Orwell | $2,076 |
| Osgood | $2,369 |
| Ostrander | $2,309 |
| Ottawa | $2,291 |
| Ottawa Hills | $2,228 |
| Ottoville | $2,392 |
| Otway | $2,801 |
| Overpeck | $2,507 |
| Owensville | $2,317 |
| Oxford | $2,355 |
| Painesville | $1,926 |
| Palestine | $2,403 |
| Pandora | $2,314 |
| Paris | $2,010 |
| Park Layne | $2,290 |
| Parma | $2,051 |
| Parma Heights | $2,066 |
| Pataskala | $2,293 |
| Patriot | $2,584 |
| Paulding | $2,295 |
| Payne | $2,364 |
| Pedro | $2,633 |
| Peebles | $2,683 |
| Pemberton | $2,374 |
| Pemberville | $2,167 |
| Peninsula | $1,999 |
| Pepper Pike | $2,028 |
| Perry | $1,943 |
| Perry Heights | $2,040 |
| Perrysburg | $2,114 |
| Perrysville | $2,177 |
| Petersburg | $2,049 |
| Pettisville | $2,294 |
| Phillipsburg | $2,523 |
| Philo | $2,234 |
| Pickerington | $2,210 |
| Piedmont | $2,119 |
| Pierpont | $2,043 |
| Pigeon Creek | $1,964 |
| Piketon | $2,743 |
| Piney Fork | $2,067 |
| Pioneer | $2,204 |
| Piqua | $2,225 |
| Pitsburg | $2,364 |
| Plain City | $2,281 |
| Plainfield | $2,160 |
| Pleasant City | $2,192 |
| Pleasant Grove | $2,189 |
| Pleasant Hill | $2,325 |
| Pleasant Hills | $2,272 |
| Pleasant Plain | $2,449 |
| Pleasant Run | $2,311 |
| Pleasant Run Farm | $2,395 |
| Pleasantville | $2,262 |
| Plymouth | $2,186 |
| Poland | $2,005 |
| Polk | $2,096 |
| Pomeroy | $2,522 |
| Port Clinton | $2,276 |
| Port Jefferson | $2,329 |
| Port Washington | $2,146 |
| Port William | $2,473 |
| Portage | $2,288 |
| Portage Lakes | $2,024 |
| Portland | $2,527 |
| Portsmouth | $2,824 |
| Potsdam | $2,412 |
| Powell | $2,052 |
| Powhatan Point | $2,064 |
| Proctorville | $2,483 |
| Prospect | $2,308 |
| Put In Bay | $2,378 |
| Quaker City | $2,175 |
| Quincy | $2,368 |
| Racine | $2,443 |
| Radnor | $2,274 |
| Rarden | $2,660 |
| Ravenna | $2,021 |
| Rawson | $2,303 |
| Ray | $2,626 |
| Rayland | $2,027 |
| Raymond | $2,255 |
| Reading | $2,220 |
| Reedsville | $2,474 |
| Reesville | $2,601 |
| Reminderville | $1,962 |
| Reno | $2,090 |
| Republic | $2,263 |
| Reynoldsburg | $2,319 |
| Richfield | $1,955 |
| Richmond | $2,059 |
| Richmond Dale | $2,535 |
| Richmond Heights | $2,059 |
| Richville | $2,004 |
| Richwood | $2,380 |
| Ridgeville Corners | $2,287 |
| Ridgeway | $2,378 |
| Rio Grande | $2,516 |
| Ripley | $2,656 |
| Risingsun | $2,281 |
| Rittman | $1,918 |
| Riverlea | $2,062 |
| Riverside | $2,434 |
| Roaming Shores | $2,058 |
| Robertsville | $1,992 |
| Rock Camp | $2,511 |
| Rock Creek | $2,080 |
| Rockbridge | $2,475 |
| Rockford | $2,506 |
| Rocky Ridge | $2,239 |
| Rocky River | $1,972 |
| Rogers | $2,024 |
| Rome | $2,061 |
| Rootstown | $2,065 |
| Rosemount | $2,838 |
| Roseville | $2,229 |
| Rosewood | $2,321 |
| Ross | $2,477 |
| Rossburg | $2,415 |
| Rossford | $2,143 |
| Rossmoyne | $2,152 |
| Rudolph | $2,283 |
| Rushsylvania | $2,393 |
| Rushville | $2,347 |
| Russells Point | $2,336 |
| Russellville | $2,627 |
| Russia | $2,313 |
| Rutland | $2,527 |
| Sabina | $2,531 |
| Salem | $1,957 |
| Salem Heights | $2,148 |
| Salesville | $2,208 |
| Salineville | $2,089 |
| Sandusky | $2,119 |
| Sandyville | $2,080 |
| Sarahsville | $2,152 |
| Sardinia | $2,574 |
| Sardis | $2,219 |
| Savannah | $2,159 |
| Sawyerwood | $1,999 |
| Scio | $2,120 |
| Scioto Furnace | $2,606 |
| Sciotodale | $2,836 |
| Scott | $2,410 |
| Scottown | $2,597 |
| Seaman | $2,681 |
| Sebring | $2,054 |
| Sedalia | $2,285 |
| Senecaville | $2,115 |
| Seven Hills | $2,009 |
| Seven Mile | $2,477 |
| Seville | $1,945 |
| Shade | $2,459 |
| Shadyside | $2,051 |
| Shaker Heights | $2,065 |
| Shandon | $2,582 |
| Sharon Center | $1,992 |
| Sharonville | $2,263 |
| Sharpsburg | $2,384 |
| Shauck | $2,287 |
| Shawnee | $2,314 |
| Shawnee Hills | $2,409 |
| Sheffield | $2,104 |
| Sheffield Lake | $2,079 |
| Shelby | $2,093 |
| Sherrodsville | $2,036 |
| Sherwood | $2,190 |
| Shiloh | $2,256 |
| Shreve | $2,057 |
| Sidney | $2,263 |
| Silver Lake | $2,039 |
| Silverton | $2,151 |
| Sinking Spring | $2,471 |
| Sixteen Mile Stand | $2,222 |
| Skyline Acres | $2,290 |
| Smithville | $2,023 |
| Solon | $1,990 |
| Somerdale | $2,090 |
| Somerset | $2,211 |
| Somerville | $2,476 |
| South Amherst | $2,131 |
| South Bloomfield | $2,328 |
| South Bloomingville | $2,514 |
| South Canal | $2,044 |
| South Charleston | $2,392 |
| South Euclid | $2,173 |
| South Lebanon | $2,343 |
| South Point | $2,598 |
| South Russell | $1,971 |
| South Salem | $2,634 |
| South Solon | $2,430 |
| South Vienna | $2,355 |
| South Webster | $2,753 |
| South Zanesville | $2,201 |
| Southington | $2,099 |
| Sparta | $2,323 |
| Spencer | $2,055 |
| Spencerville | $2,340 |
| Spring Valley | $2,499 |
| Springboro | $2,383 |
| Springdale | $2,233 |
| Springfield | $2,364 |
| St. Bernard | $2,273 |
| St. Clairsville | $2,051 |
| St. Henry | $2,382 |
| St. Johns | $2,335 |
| St. Louisville | $2,246 |
| St. Marys | $2,267 |
| St. Paris | $2,321 |
| Stafford | $2,165 |
| Sterling | $2,025 |
| Steubenville | $2,059 |
| Stewart | $2,439 |
| Stillwater | $2,143 |
| Stockdale | $2,583 |
| Stockport | $2,234 |
| Stone Creek | $2,142 |
| Stony Prairie | $2,041 |
| Stony Ridge | $2,303 |
| Stout | $2,773 |
| Stoutsville | $2,316 |
| Stow | $2,045 |
| Strasburg | $2,122 |
| Stratton | $2,102 |
| Streetsboro | $1,975 |
| Strongsville | $2,001 |
| Struthers | $2,003 |
| Stryker | $2,238 |
| Sugar Grove | $2,390 |
| Sugarcreek | $2,029 |
| Sullivan | $2,165 |
| Sulphur Springs | $2,265 |
| Summerfield | $2,174 |
| Summerside | $2,175 |
| Summit Station | $2,229 |
| Summitville | $2,111 |
| Sunbury | $2,196 |
| Swanton | $2,178 |
| Sycamore | $2,264 |
| Sylvania | $2,145 |
| Syracuse | $2,401 |
| Tallmadge | $1,984 |
| Tarlton | $2,322 |
| Taylor Creek | $2,284 |
| Terrace Park | $2,211 |
| The Plains | $2,284 |
| The Village of Indian Hill | $2,212 |
| Thompson | $2,072 |
| Thornport | $2,314 |
| Thornville | $2,299 |
| Thurman | $2,526 |
| Thurston | $2,358 |
| Tiffin | $2,066 |
| Tiltonsville | $2,030 |
| Timberlake | $1,992 |
| Tipp City | $2,240 |
| Tippecanoe | $2,097 |
| Tiro | $2,323 |
| Toledo | $2,370 |
| Tontogany | $2,221 |
| Toronto | $2,065 |
| Tremont City | $2,410 |
| Trenton | $2,449 |
| Trinway | $2,208 |
| Trotwood | $2,602 |
| Troy | $2,245 |
| Tuppers Plains | $2,371 |
| Turpin Hills | $2,189 |
| Tuscarawas | $2,086 |
| Twinsburg | $1,962 |
| Twinsburg Heights | $1,967 |
| Uhrichsville | $2,089 |
| Union | $2,388 |
| Union City | $2,502 |
| Union Furnace | $2,476 |
| Uniontown | $1,981 |
| Unionville | $2,074 |
| Unionville Center | $2,219 |
| Uniopolis | $2,379 |
| University Heights | $2,066 |
| Upper Arlington | $2,101 |
| Upper Sandusky | $2,251 |
| Urbana | $2,308 |
| Urbancrest | $2,270 |
| Utica | $2,301 |
| Valley City | $1,999 |
| Valley View | $2,087 |
| Valleyview | $2,286 |
| Van Buren | $2,285 |
| Van Wert | $2,437 |
| Vandalia | $2,351 |
| Vanlue | $2,351 |
| Vaughnsville | $2,368 |
| Venedocia | $2,510 |
| Vermilion | $2,158 |
| Verona | $2,474 |
| Versailles | $2,232 |
| Vickery | $2,213 |
| Vienna | $2,050 |
| Vincent | $2,145 |
| Vinton | $2,627 |
| Wadsworth | $1,895 |
| Waite Hill | $1,931 |
| Wakefield | $2,573 |
| Wakeman | $2,154 |
| Walbridge | $2,215 |
| Waldo | $2,332 |
| Walhonding | $2,339 |
| Walton Hills | $2,137 |
| Wapakoneta | $2,269 |
| Warnock | $2,017 |
| Warren | $2,048 |
| Warrensville Heights | $2,117 |
| Warsaw | $2,201 |
| Washington Court House | $2,420 |
| Washingtonville | $1,980 |
| Waterford | $2,152 |
| Waterloo | $2,555 |
| Waterville | $2,199 |
| Wauseon | $2,239 |
| Waverly | $2,551 |
| Waverly City | $2,654 |
| Wayland | $2,013 |
| Wayne | $2,238 |
| Waynesburg | $2,046 |
| Waynesfield | $2,378 |
| Waynesville | $2,450 |
| Wellington | $2,083 |
| Wellston | $2,620 |
| Wellsville | $2,051 |
| West Alexandria | $2,601 |
| West Carrollton | $2,482 |
| West Chester | $2,307 |
| West Elkton | $2,594 |
| West Farmington | $2,070 |
| West Hill | $2,021 |
| West Jefferson | $2,293 |
| West Lafayette | $2,095 |
| West Liberty | $2,286 |
| West Manchester | $2,495 |
| West Mansfield | $2,349 |
| West Millgrove | $2,301 |
| West Milton | $2,294 |
| West Point | $2,056 |
| West Portsmouth | $2,741 |
| West Salem | $2,112 |
| West Union | $2,726 |
| West Unity | $2,128 |
| Westerville | $2,127 |
| Westfield Center | $2,033 |
| Westlake | $1,992 |
| Weston | $2,232 |
| Westville | $2,358 |
| Wetherington | $2,251 |
| Wharton | $2,317 |
| Wheelersburg | $2,701 |
| Whipple | $2,158 |
| White Cottage | $2,204 |
| White Oak | $2,313 |
| Whitehall | $2,364 |
| Whitehouse | $2,178 |
| Wickliffe | $1,979 |
| Wilberforce | $2,420 |
| Wilkesville | $2,563 |
| Willard | $2,170 |
| Williamsburg | $2,489 |
| Williamsfield | $2,160 |
| Williamsport | $2,403 |
| Williamstown | $2,258 |
| Williston | $2,209 |
| Willoughby | $1,917 |
| Willoughby Hills | $1,960 |
| Willow Wood | $2,508 |
| Willowick | $2,009 |
| Willshire | $2,576 |
| Wilmington | $2,412 |
| Wilmot | $2,080 |
| Winchester | $2,583 |
| Windham | $2,115 |
| Windsor | $2,100 |
| Winesburg | $2,187 |
| Wingett Run | $2,245 |
| Winona | $1,989 |
| Wintersville | $2,053 |
| Withamsville | $2,193 |
| Wolf Run | $2,046 |
| Wolfhurst | $2,036 |
| Woodlawn | $2,230 |
| Woodmere | $2,005 |
| Woodsfield | $2,199 |
| Woodstock | $2,360 |
| Woodville | $2,173 |
| Wooster | $2,036 |
| Worthington | $2,077 |
| Wren | $2,481 |
| Wright-Patterson AFB | $2,420 |
| Wyoming | $2,210 |
| Xenia | $2,433 |
| Yellow Springs | $2,367 |
| Yorkshire | $2,384 |
| Yorkville | $2,017 |
| Youngstown | $2,129 |
| Zaleski | $2,515 |
| Zanesfield | $2,339 |
| Zanesville | $2,196 |
| Zoar | $2,105 |
Ohio homeowners insurance trends
Ohio home insurance rates have gone up by an average of 47% over the past five years. The increase has been blamed largely on extreme weather and inflation.
Severe thunderstorms and tornadoes have forced insurance companies to rebuild more homes in recent years. At the same time, construction costs have grown faster than usual. Insurance companies have been raising their rate to keep up with these rising expenses.
How to save on Ohio homeowners insurance
As home insurance becomes more expensive, consider these steps to keep your rates manageable.
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Shop around:
Each company uses a different system to set rates. Shopping around helps you find the company with the cheapest rates for your situation. -
Raise your deductible:
Increasing your deductibleis an easy way to lower your insurance rate. Just make sure to keep money in the bank for higher out-of-pocket costs if a disaster strikes.A deductible is the amount of money you pay out of your own pocket after you file a claim and before your insurance company pays the rest. -
Replace your roof:
Replacing worn roofing with newer impact-resistant materials helps protect it from wind and hail. Some insurance companies give you a discount for this. -
Upgrade your systems:
Updating an older home’s plumbing, wiring and/or heating can make it safer. Doing so can often also get you an insurance discount.
Home insurance protections for Ohio’s natural disasters
It’s important to make sure you have the right insurance protections for Ohio’s weather risks.
How does home insurance cover wind and hail?
Standard Ohio home insurance policies usually cover wind and hail damage from tornadoes, thunderstorms and other extreme weather. Some companies charge a higher deductible for wind-related damage than for other perils
Wind deductibles are sometimes offered as a percentage of your dwelling limit. If you insure your home for $400,000, a 1% wind deductible works out to $4,000. This is usually higher than the deductible you can get for other perils, which may only be $1,000 or $2,000.
Home insurance usually does not cover damage from flooding that may accompany a severe storm. Instead, you have to get separate insurance for floods.
How much is flood insurance in Ohio?
Flood insurance costs an average of $1,109 a year in Ohio, or $92 a month. Most flood insurance is purchased through the National Flood Insurance Program (NFIP), but several private companies also offer it.
NFIP flood insurance provides coverage of up to $250,000 for your home and $100,000 for your belongings. Private flood insurance usually has higher limits and more coverage options, including loss of use.
Your lender will require you to get flood insurance for a mortgage in a high-risk flood zone. It’s often worth getting it in other situations.
The flood coverage that Auto-Owners and American Family offer is different from flood insurance. These home insurance add-ons don’t provide as much protection as flood insurance and don’t meet mortgage requirements. If your flood risks are low, the add-ons may provide all the protection you need.
Compare homeowners insurance companies in Ohio
It’s good to compare quotes from multiple companies before you buy or renew your home insurance. Keep these tips in mind as you shop:
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Your coverage limits may vary slightly by company.
You should still make sure the information shown about you and your home is accurate in each quote. -
Your coverage options and deductibles in each quote should be identical.
This gives you an apples-to-apples comparison of each company’s rates. -
Most companies give you a big discount for bundling your home and auto insurance.
Get rates for both policies for accurate comparisons. -
Ask about additional discounts.
Most companies automatically apply some discounts to your quote, but you don’t want any to get overlooked.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your needs and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Homeowners insurance is not required by state law in Ohio. However, most lenders require it for a mortgage. It’s usually optional but highly recommended in other situations.
Standard home insurance does not cover flooding, including floods that accompany a thunderstorm. Home insurance usually only covers sewer or drain backups if you buy add-on protection for this risk.
Home insurance also does not cover earthquakes, sinkholes or underground mine collapses. Separate insurance is available for each of these risks.
Cincinnati Insurance, Auto-Owners and Westfield are among the Ohio home insurance companies that work with independent insurance agents. An independent agent can get you quotes from multiple companies, which makes it easier to shop. You usually have to contact exclusive-agent companies like State Farm and American Family individually for quotes.
Methodology
How we chose the best homeowners insurance in Ohio
The rates shown in this article are based on an analysis of nonbinding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Ohio ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included NAIC’s complaint index scores and financial strength ratings from A.M. Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
*USAA is only available to current and former members of the military, their spouses, children of USAA members and employees of certain federal agencies.