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Ohio Homeowners Insurance Quotes

Ohio is a great place to raise a family. We have it all, everything from beaches to botanical gardens, zoos to summer festivals, regardless of the type of family fun you are looking for, we have it in Ohio.

Getting outside is something that all residents of Ohio love to do. We have everything from water slides to family fun parks, which makes exploring our state an exciting adventure. If you are looking for world-class shopping and award-winning restaurants Ohio will not let you down.

If you are headed to Ohio for a vacation or are considering making the move to one of our lovely cities or towns you cannot go wrong. Regardless of whether you are visiting Youngstown, Kent, Cuyahoga Falls, Beachwood, or Painesville you'll be thrilled with your decision to call Ohio home.

Ohio Facts

According to census data Ohio has a population of 11,536,504 people. This breaks down to roughly 4, 739 households per ZIP Code with the average household size being three people.

In Ohio, the average household income is $36,001, which is slightly below the national average. Pretty affordable housing offsets this lower household income with the average house value coming in at $86,800.

Homeowners Insurance in Nebraska

Luckily, homeowners insurance in the Buckeye state is very affordable with the average cost of an H-03 policy, which is the standard policy for single-family homes, coming in at a very affordable $763. The national average on the other hand is $1,034.

Even though homeowners insurance is a real bargain in Ohio there are ways to lower your insurance costs even more. Following are a few tips on how to keep your homeowners insurance affordable:

  • Shop Around: This is absolutely the best way to lower your homeowners insurance costs. Experts recommend shopping your insurance coverage on a yearly basis. Insurers rate risk differently so there can be dramatic price differences between insurance company quotes. Make sure you compare apples to apples when it comes to coverage levels and deductibles.
  • Discounts: All insurance companies offer a variety of discounts and while some may seem small they can add up to big savings. Contact your insurance agent and have them review your policy to make sure you are getting all discounts you are entitled to receive.
  • Raise Your Deductible: Pushing up your deductible can dramatically lower your premium. If you can afford it, double your homeowners insurance deductible but always make sure you can easily afford your deductible amount in the event you have to make a claim.

Insurance Rates by Homeowners Insurance Type

There are a number of different types of homeowner insurance policies for homeowners living in Ohio and each one is specifically designed to protect a certain type of home. Following is a quick overview of the most common types of homeowners insurance as well as the average premium for each type in Ohio according to data from NAIC.

Dwelling Fire: Dwelling Fire is a very specific type of homeowners insurance and offers extremely limited coverage. These policies tend to be very affordable because they only cover damage from smoke and fire. Some policies will also cover damage due to wind, explosions and vandalism

Data from the NAIC shows that only 0.5% of Ohio policies are DFs. The average premium for this type of policy in Ohio is a very affordable $628.

HO-2: This is also a very basic homeowner policy but it does offer more robust coverage than a dwelling fire. These policies cover perils that are specifically listed in the policy wording, damage from all other perils is excluded.

The price of an HO-2 to policy in Ohio is fairly expensive at $722, which is probably why only 2.5 percent of policies in the state are HO-2s.

HO-3: The HO-3 policy is by far the most common policy type in Ohio with 65.6 percent of policies being this type. This policy will cover damage from all perils except those that are specifically excluded in the policy wording. All homeowner policies exclude damage from earthquakes and floods so if you live in an earthquake or flood prone area you will need a separate policy.

Roughly 65.5% of all homeowner policies in Ohio are HO-3s. The average price of an HO-3 is a very affordable $763.

HO-4: These policies are also referred to as renters insurance because they are designed to protect people who live in apartments. An HO-4 not only covers your personal possessions but also offers liability coverage in case someone is injured in your apartment.

In Ohio, 13.5 percent of policies are HO-4s.

HO-5: The HO-5 policy is designed to ensure newer, more upscale homes. These policies offer protection for both your home and other structures on your property. They also offer loss of use coverage and protect your personal possessions against all perils except those that are specifically excluded in the policy wording. In almost all cases these policies are not available for older homes.

In Ohio, 12.9 percent of policies are HO-5s and the average premium is still very affordable at $826.

HO-6: This policy type is for condo and co-op owners. The HO-6 policy offers protection for your personal property as well as any structural parts of the building that you own such as the walls of your particular unit. Coverage is limited to 16 specific perils that are listed in the policy.

In Ohio, only 4.6 percent of policies are HO-6s.

Factors to Consider in Ohio

Severe weather can always be a factor in Ohio. While not considered a major part of Tornado Alley, Ohio does fall on the fringes of the imaginary boundaries that define Tornado Alley. We are prone to severe weather in the summer as well as the winter, which, can result in costly claims under your homeowners insurance.

Tornadoes, severe thunderstorms and hailstorms are all common occurrences that can damage your home. Hail can easily damage your roof and siding and severe thunderstorms can knock down trees and other landscaping.

Once winter hits, heavy snowfall and freezing temperatures can result in roof damage, frozen pipes and ice dams, which can result in costly repairs.

Damage due to these types of storms and weather can be minimized by upgrading certain aspects of your home. Replacing your roof with wind resistant materials and installing storm shutters and a sprinkler system can all result in significant discounts.

If you are considering a move to our capital city of Columbus, Cleveland, Cincinnati, Dayton or any other of our fantastic cities or towns you will need a great new policy to protect your new home. We can easily help you shop and compare up to 12 different Ohio home insurance premiums and apply all the available discounts and credits.

Get started today, enter your zip code to get affordable Ohio homeowners insurance quotes online!

Average Homeowners Insurance Premiums in Ohio

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Ohio homeowners are paying on average. Did you know that the average homeowners insurance premium in Ohio is $871? Ohio is now ranked 45 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Ohio is 33.56% less than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$871 (2.1%)$ 7345
2019$853 (-2.4%)$ 7145
2018$874 (1.38%)$ 7344
2017$862 (1.4%)$ 7243
2016$850 (3.71%)$ 7143

When we combine the state averages over the last decade, the Ohio overall average is estimated to be around $798.00. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Ohio current state rank compare to the rest of the country is #45. Consider shopping your Ohio home insurance with us so we can help you save up to 40% or more on your policy.

Ohio Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

Ohio Housing & Real Estate Data

Total Housing Units5127508
Occupied Housing Units4603435
Vacant Housing Units524073
Vacant Housing Units for Rent184143
Vacant Housing Units Rented Not Occupied8126
Vacant Housing Units For Sale78089
Vacant Housing Units Sold Not Occupied19263
Vacant Housing Units For Seasonal Occasional Use58591
Vacant Housing Units All Other Vacants175861
Housing Units Homeowner Vacancy Rate Percent2.4
Housing Units Rental Vacancy Rate Percent10.9
Housing Tenure Occupied Units4603435
Housing Tenure Occupied Units Owner Occupied3111054
Housing Tenure Occupied Units Owner Occupied Population7889424
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.54
Housing Tenure Occupied Units Renter Occupied1492381
Housing Tenure Occupied Units Renter Occupied Population3340814
Housing Tenure Occupied Units Renter Occupied Average Household Size2.24

Understanding Ohio Homeowners Insurance

When shopping for Ohio homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Ohio renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Ohio, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Ohio rates and coverage options.