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Brown County, OH Homeowners Insurance Quotes

We can help you get a free and quick comparison of Brown County, OH home insurance rate quotes to easily review. We like to help you shop up to 12 competitive home insurance rates with a variety of coverage options from a standard policy to a multi-line packaged discount policy that would include your home and auto insurance together. A standard (HO-3) policy for homeowners living in Brown County includes protection against most perils, but does not include coverage for flood or earthquake damage. Don't worry, our home insurance professionals of Ohio can help you figure out which policy is best for you.

Homeowners living in Brown County, pay on average around $995 a year or $82.92 per month. Let us help you explore multiple coverage options and provide up to 40% in discounted savings for your new policy. For online quotes, please enter your zip code of the property you would like to insure today or give us a call now at 1-855-976-2656

For all Brown County, OH residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Brown County? Simply enter your zip code to get your Ohio homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Brown County, OH Housing Demographics

With 44,846 residents living within the Brown County area there are over 19,301 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 12,379 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Brown County.

DemographicValues
Total Occupied Households17,014
Family Households (families)12,379
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units19,301

Brown County, OH Home Insurance Average Premiums

Local Brown, OH homeowners insurance quotes comparison

$731 /yr.

Ohio's Average Home Insurance Rates Overall

For the state of Ohio, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 47 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$523 /yr.
Current Average Cost:$731 /yr.
Maximum Range:$995 /yr.

Ohio Homeowners Insurance News & Information

  • Coastal Texas Home Insurance Rates Posted on Wednesday 25th February, 2026

    If you own a home along the Texas coastline, understanding Coastal Texas home insurance rates is critical to protecting both your property and your financial future. As a professional home insurance agent, I always explain to coastal homeowners that insuring a home near the Gulf comes with unique risks — especially from hurricanes, tropical storms, […]

  • Compare 2026 Homeowners Insurance Rates in Every State Posted on Wednesday 11th February, 2026

    Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]

  • Texas Homeowners Insurance: 2026 Market Update Posted on Monday 26th January, 2026

    Texas homeowners are continuing to face one of the most challenging insurance markets in the country — driven by extreme weather risks, rising repair costs, and shifting insurer participation. Below is the latest overview of what buyers should know and how they can save on coverage. 1. Texas Insurance Market Landscape in 2026 Homeowners insurance […]

  • Florida Homeowners Can Cut Insurance Bills —Here’s How, and Which Companies are Worth a Look Posted on Tuesday 11th November, 2025

    Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there are concrete, immediate steps homeowners can take to shrink premiums — from simple paperwork to Florida’s “My Safe Florida Home” program — while shopping smarter for companies that combine strong service with […]

  • Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

Discounts For Homeowners in Brown County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Ohio homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Brown County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Brown County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Brown County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Brown County Housing & Real Estate Data

Details:Statistics
Total Housing Units19301
Occupied Housing Units17014
Vacant Housing Units2287
Vacant Housing Units for Rent407
Vacant Housing Units Rented Not Occupied24
Vacant Housing Units For Sale295
Vacant Housing Units Sold Not Occupied126
Vacant Housing Units For Seasonal Occasional Use661
Vacant Housing Units All Other Vacants774
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent9
Housing Tenure Occupied Units17014
Housing Tenure Occupied Units Owner Occupied12859
Housing Tenure Occupied Units Owner Occupied Population33847
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied4155
Housing Tenure Occupied Units Renter Occupied Population10424
Housing Tenure Occupied Units Renter Occupied Average Household Size3