Best Homeowners Insurance in Ohio for 2022 Bankrate
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To determine how well the best home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for homeowners, we analyzed quoted premiums based on 40-year-old male and female homeowners with a home policy with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which homeowners may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.
Having a general understanding of the coverage types and limits you would like to purchase can be helpful, but an agent will likely be able to help you choose coverage. Once you have decided on a carrier and want to proceed, the company's representative or your agent will be able to walk you through the next steps.
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Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Nov 07, 2022Find your perfect provider
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Collapse Caret Up Ohio's high homeownership rate - own their property - means that there is a substantial need for quality home insurance coverage in the state. Ohio homeowners pay $1,119 per year, on average, for homeowners insurance with $250,000 in dwelling coverage, according to Bankrate's 2022 analysis of quoted annual premiums. If you are shopping for the in Ohio, Bankrate's research may be helpful. Our insurance editorial team reviewed the largest home insurance companies by market share in Ohio and analyzed average premiums, available coverage options, discounts and third-party ratings to help you find a company that fits your needs. CollapseOn This Page
Collapse Caret UpThe Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first.On This Page
Ohio's high homeownership rate - own their property - means that there is a substantial need for quality home insurance coverage in the state. Ohio homeowners pay $1,119 per year, on average, for homeowners insurance with $250,000 in dwelling coverage, according to Bankrate's 2022 analysis of quoted annual premiums. If you are shopping for the in Ohio, Bankrate's research may be helpful. Our insurance editorial team reviewed the largest home insurance companies by market share in Ohio and analyzed average premiums, available coverage options, discounts and third-party ratings to help you find a company that fits your needs. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More MortgageLeaving so soon Your custom quotes are just minutes away
Return to form Key Takeaways The average home insurance premium in Ohio is $1,119 per year for $250,000 in dwelling coverage. Buckeye State Mutual Insurance Company, American Family and Allstate offer some of the lowest average rates in Ohio. State Farm is one of the best homeowners insurance options in Ohio, according to Bankrate's research. Ohio's high homeownership rate - own their property - means that there is a substantial need for quality home insurance coverage in the state. Ohio homeowners pay $1,119 per year, on average, for homeowners insurance with $250,000 in dwelling coverage, according to Bankrate's 2022 analysis of quoted annual premiums. If you are shopping for the in Ohio, Bankrate's research may be helpful. Our insurance editorial team reviewed the largest home insurance companies by market share in Ohio and analyzed average premiums, available coverage options, discounts and third-party ratings to help you find a company that fits your needs. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More MortgageLeaving so soon Your custom quotes are just minutes away
Return to form Key Takeaways The average home insurance premium in Ohio is $1,119 per year for $250,000 in dwelling coverage. Buckeye State Mutual Insurance Company, American Family and Allstate offer some of the lowest average rates in Ohio. State Farm is one of the best homeowners insurance options in Ohio, according to Bankrate's research. Ohio's high homeownership rate - own their property - means that there is a substantial need for quality home insurance coverage in the state. Ohio homeowners pay $1,119 per year, on average, for homeowners insurance with $250,000 in dwelling coverage, according to Bankrate's 2022 analysis of quoted annual premiums. If you are shopping for the in Ohio, Bankrate's research may be helpful. Our insurance editorial team reviewed the largest home insurance companies by market share in Ohio and analyzed average premiums, available coverage options, discounts and third-party ratings to help you find a company that fits your needs. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More MortgageLeaving so soon Your custom quotes are just minutes away
Return to form Key Takeaways The average home insurance premium in Ohio is $1,119 per year for $250,000 in dwelling coverage. Buckeye State Mutual Insurance Company, American Family and Allstate offer some of the lowest average rates in Ohio. State Farm is one of the best homeowners insurance options in Ohio, according to Bankrate's research. Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close XHow Bankrate chose the best home insurance companies in Ohio
To decide which companies to feature, Bankrate first obtained average premium information from Quadrant Information Services for the major insurance companies operating in Ohio. We also considered customer satisfaction scores, financial strength ratings, coverage options, discounts and policy features. We used these data points to create a proprietary Bankrate Score. The higher the Bankrate Score, the higher the company ranks in terms of overall customer satisfaction, financial strength, policy options and average premiums.Bankrate utilizes Quadrant Information Services to analyze 2022 current rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000, Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for homeowners, we analyzed quoted premiums based on 40-year-old male and female homeowners with a home policy with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which homeowners may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.
Best home insurance companies in Ohio
The in Ohio is $1,119 per year, but several companies in the Buckeye State offer lower average rates. Based on our analysis of rates from Quadrant Information Services, third-party customer service scores from the , financial strength ratings from AM Best and other factors, we found that the best home insurance companies in Ohio include State Farm, Auto-Owners and Allstate. These providers stand out for their average rates, available discounts, solid financial and customer service ratings and other important factors. Homeowners in Ohio can also weigh several other options for the best homeowners insurance in Ohio. If you are shopping for the best Ohio homeowners insurance options, the following companies might be a good starting point: Insurance company J.D. Power AM Best Average monthly premium Average annual premium Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 829 /1,000 AM Best A++ (Superior) Average monthly premium $71 Average annual premium $1,209 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 825 /1,000 AM Best A++ (Superior) Average monthly premium $75 Average annual premium $900 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 842 /1,000 AM Best A (Excellent) Average monthly premium $66 Average annual premium $793 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 815 /1,000 AM Best A+ (Superior) Average monthly premium $71 Average annual premium $855 J.D. Power Not rated AM Best B+ (Good) Average monthly premium $31 Average annual premium $369 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. *Premiums are for $250K in dwelling coverage This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More MortgageLeaving so soon Your custom quotes are just minutes away
Return to form Key Takeaways The average home insurance premium in Ohio is $1,119 per year for $250,000 in dwelling coverage. Buckeye State Mutual Insurance Company, American Family and Allstate offer some of the lowest average rates in Ohio. State Farm is one of the best homeowners insurance options in Ohio, according to Bankrate's research. Explore Bankrate's review J.D. Power: AM Best: ++ Avg. annual premium for 250k dwelling $ Company overview With hundreds of , State Farm offers some of the best homeowners insurance in Ohio if you like to handle your home insurance needs in person. If you prefer to do business digitally, State Farm ranked second in the for service. The company's average Ohio home insurance premium is slightly higher than the state average, but that higher premium may be worthwhile with the ability to add numerous endorsements to personalize your policy. State Farm also , a mobile network service, to provide a free device that could help you detect an issue in your home's wiring before it can start a fire. Pros and cons CheckmarkPros Hundreds of State Farm offices throughout Ohio Policyholders may qualify for a free fire monitoring device Close XCons Higher-than-baseline amount of customer complaints with the National Association of Insurance Commissioners (NAIC) Rates may be higher than the Ohio average Average annual premium by city Ohio city State Farm average annual premium for $250K dwelling Akron $1,282 Cincinnati $1,049 Cleveland $1,103 Columbus $1,277 Toledo $1,393 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: ++ Avg. annual premium for 250k dwelling $ Company overview Auto-Owners is a regional carrier that operates in 26 states, including Ohio. Policies can be robust, with options like guaranteed home replacement cost, equipment breakdown, inland flood and identity theft coverage available. The company offers an array of discounts, including savings for paperless policies, mortgage-free customers and customers who have an automatic backup generator. However, Auto-Owners' average home insurance premium is on the higher end, compared with the other companies on our list. Additionally, tech-savvy homeowners may want to do further research - although Auto-Owners has a , it is not highly rated in the Apple app store. Pros and cons CheckmarkPros Long list of potential discounts Endorsements available that may be hard to find with other companies Close XCons Based on customer reviews, digital tools may be lacking May not be the cheapest option Average annual premium by city Ohio city Auto-Owners average annual premium for $250K dwelling Akron $870 Cincinnati $906 Cleveland $899 Columbus $958 Toledo $918 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: Avg. annual premium for 250k dwelling $ Company overview American Family, or AmFam, offers rates that are lower than the Ohio average. In addition, the company may be beneficial for homeowners braving cold Ohio winters. The company's standard home policy covers damage due to weight of ice, snow, or sleet and damage to frozen interior plumbing. AmFam boasts a second-place score for overall customer satisfaction according to J.D. Power and a lower-than-average number of with the NAIC. It also carries an AM Best financial strength rating of A (Excellent). AmFam only writes policies in 19 states, so if you move outside of Ohio, you may want to check and see if the company writes homeowners policies in your new state. Pros and cons CheckmarkPros Winter-related perils are covered under a standard policy High customer satisfaction and low complaints Close XCons Not available in all states Scored below segment average in J.D. Power digital study Average annual premium by city Ohio city American Family average annual premium for $250K dwelling Akron $723 Cincinnati $775 Cleveland $818 Columbus $786 Toledo $960 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: + Avg. annual premium for 250k dwelling $ Company overview Allstate offers lower-than-average home insurance premiums compared to other carriers we studied, and several discounts that could help you save even more. These savings opportunities include an early signing discount, claim-free discount and new homebuyer discount. Best yet, if you purchase auto and homeowners insurance with Allstate, you could get a multi-policy discount of up to 25 percent. Allstate also offers numerous coverage options that could help you tailor your policy to your needs, including electronic data recovery coverage, water backup coverage and sports equipment coverage. However, Allstate scored below the industry average for overall customer satisfaction in the J.D. Power home insurance study and lands high on the NAIC's . Shoppers who prioritize customer service may want to do further research before switching. Pros and cons CheckmarkPros Hefty multi-policy discount could save up to 25 percent on one policy for customers who purchase home and auto policies with the company Robust coverage options available Close XCons Scored lower than the segment average for overall customer satisfaction Higher-than-baseline amount of customer complaints with the NAIC Average annual premium by city Ohio city Allstate average annual premium for $250K dwelling Akron $811 Cincinnati $661 Cleveland $889 Columbus $1,007 Toledo $929 Explore Bankrate's review Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: + Avg. annual premium for 250k dwelling $ Company overview Buckeye Insurance Group is a regional insurer with policyholders in Indiana, Kansas and Ohio. Its local agents may be more in tune with the insurance needs of homeowners in Ohio. The company offers average rates far below the Ohio average, at just $369 annually for $250,000 in dwelling coverage. You may be able to add various endorsements to fit your needs, including identity fraud protection for social media and for mobile apps, as well as equipment breakdown coverage. Some shoppers may appreciate the company's local flair, but if you move outside of Indiana, Kansas and Ohio, you'll likely have to find a new home insurance provider. Pros and cons CheckmarkPros Offers some of the cheapest homeowners insurance in Ohio on average Unique identity fraud coverage options available Close XCons AM Best financial strength rating is lower than some competitors As a network of independent agents, customer service is only available during business hours Average annual premium by city Ohio city Buckeye State Mutual Insurance Company average annual premium for $250K dwelling Akron $379 Cincinnati $355 Cleveland $346 Columbus $372 Toledo $389 Answer a few questions to see personalized rates from top carriers.How much is homeowners insurance in Ohio
Ohio homeowners insurance costs, on average, $1,119 per year for $250,000 in dwelling coverage, which is less than the national average of $1,383 per year. Reasonably priced homeowners insurance is relatively common in the Midwest. For example, homeowners in Indiana pay an average of $1,180 annually for the same amount of coverage, and Wisconsin homeowners pay an average of $928 annually. While the likelihood of year-round storm damage is relatively high in Ohio, the state does not face the same risks as many other areas in the U.S., which may be part of why the state has lower average home insurance rates. Unlike portions of the Western U.S., earthquakes aren't common in Ohio. Neither is catastrophic hurricane damage, which is common on the East and Gulf Coasts. The cost of repairs and rebuilding may also be lower in Ohio than it is in many other parts of the country, due to the in the Buckeye State.Ohio homeowners insurance rates by city
Ohio city Average annual premium for $250K dwelling coverage Akron $1,056 Cincinnati $1,109 Cleveland $1,165 $1,139 Toledo $1,146
Home insurance in Ohio
When it comes to homeowners insurance, each state has its own unique considerations. The common types of losses, for example, can help you decide what optional coverage to purchase. Understanding the unique risks that Ohio homes face might help you feel more confident in your insurance choices.Common causes of loss in Ohio
Ohio runs less risk for property loss than many other states, but there are still some risks you may want to consider when buying home insurance: Tornadoes: Although it is not in "Tornado Alley," the state can be prone to , averaging per year, according to the Canton Repository. Winter storms: Winters in Ohio can be brutal, with cold temperatures, ice storms and heavy snows. Winter storms can cause power outages, spoiled food, roof damage and frozen and burst pipes. It can be costly to rebuild after winter storms. In 2021, these storms caused an eye-popping in insured losses. Flooding: have some flood risk, but floods are especially common in the southern area of the state. Once you understand the common causes of property damage in Ohio, you may be able to better choose home insurance coverage to protect your finances from home repairs or replacement.Home insurance coverage options in Ohio
Homeowners insurance is designed to financially protect you from having to repair or replace your home after a covered loss. Once you understand the common causes of loss in your area, you might feel more confident choosing coverage that are appropriate, such as: : Standard homeowners insurance policies in Ohio typically include coverage for damage caused by high winds and tornadoes, but you may want to confirm this with your agent due to the state's risk. Weight of ice and snow coverage: Most Ohio home insurance policies cover damage caused by the weight of ice and snow automatically, but again, because Ohio's winters can be brutal, you might want to confirm this with your insurance carrier. : Homeowners insurance does not typically cover damage caused by flooding. For that, you will need to purchase a separate policy underwritten by the Federal Emergency Management Agency's (FEMA) National Flood Insurance Program (NFIP) or a private insurer. Some homeowners carriers offer this coverage as an endorsement. Talking to a licensed insurance agent might be helpful when purchasing Ohio homeowners insurance, to gain a clear understanding of the coverage. An agent can assess your situation and suggest coverage options that are appropriate for your needs.Frequently asked questions
The best homeowners insurance company in Ohio depends on each homeowner's individual needs and preferences. For example, if cost is your main concern, the best provider for you might be the company available. Or, the best carrier for you might be the company that offers the highest number of discounts or the highest coverage limits. That's why it's important to shop around and compare the rates, available discounts and policy options from a range of Ohio homeowners insurance companies. By doing this, you may find the best option for your needs.
The first step to getting home insurance in Ohio is to get a . You may be able to get a quote online, or you may need to call the companies or have a local agent help you with this process. You will need some general information about you and your home, such as your address, the year your home was built and the age of your roof.
Having a general understanding of the coverage types and limits you would like to purchase can be helpful, but an agent will likely be able to help you choose coverage. Once you have decided on a carrier and want to proceed, the company's representative or your agent will be able to walk you through the next steps.