Reviews Report

• Amica, Erie, Auto-Owners, State Farm, Nationwide, and USAA (eligibility required) are consistently strong picks in Ohio for satisfaction and financial strength, according to the latest J.D. Power results and current A.M. Best disclosures.
• For a sample $250,000 dwelling, $1,000 deductible policy, Ohio’s average premium is in the low-$1,200s; your price will vary by insurer and profile (Bankrate).
• Ohio’s most recent statewide average homeowners insurance expenditure is in the low-$1,100s (NAIC policy year 2022) — below the national average (Insurance Information Institute).

Home insurance in the Buckeye State is affordable compared to other states. The latest NAIC homeowners data compiled by the Insurance Information Institute shows Ohio’s average homeowners expenditure in the low-$1,100s (policy year 2022), below the U.S. average. More current market snapshots indicate typical premiums around the low-$1,200s per year for a $250,000 dwelling profile with a $1,000 deductible (Bankrate). Although home insurance is not legally required in Ohio, lenders may require you to purchase coverage to financially protect your homes, and based on the value of your personal belongings, insurance can provide valuable peace of mind in case of a costly covered loss.

We profile Cincinnati Insurance, Allstate, Grange, and State Farm below for their specific strengths. For 2025, national satisfaction and stability leaders with Ohio availability include Amica, Erie, Auto-Owners, State Farm, Nationwide, and USAA (eligibility applies), based on the latest J.D. Power U.S. Home Insurance Study and current A.M. Best financial strength ratings published by the companies (State Farm, Erie, Nationwide, Auto-Owners, USAA).

Four notable homeowners insurance companies in Ohio

• Cincinnati Insurance: Notable for competitive, agent-sold rates in parts of Ohio
• Allstate: Broad optional coverages and extensive discounts
• Grange: Notable for discounts via independent agents
• State Farm: Strong online tools and a broad agent network

Information note: comparison table figures reflect 2021 sample data; see updated 2022 NAIC and 2024–2025 market averages below

*Historic sample data provided by Bankrate.com

**J.D. Power’s 2024 U.S. Home Insurance Study. Based on a 1,000-point scale.

Cincinnati Insurance

Allstate

Grange Insurance

State Farm

*Historic sample data provided by Bankrate.com

**J.D. Power’s 2024 U.S. Home Insurance Study. Based on a 1,000-point scale.

Average Cost of Home Insurance in Ohio 

Using the latest available benchmarks, Ohio’s statewide average homeowners insurance expenditure sits in the low-$1,100s (NAIC policy year 2022; compiled by the Insurance Information Institute). More current market-rate snapshots indicate that a sample policy with $250,000 in dwelling coverage and a $1,000 deductible averages around the low-$1,200s per year in Ohio (Bankrate). For a similar profile with $300,000 in dwelling coverage, recent analyses place Ohio’s average closer to the mid-$1,400s to mid-$1,500s annually (NerdWallet; Policygenius).

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

The coverage limits in the methodology are as follows:

• 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).

The Cheapest Homeowner Insurance Companies in Ohio

*Illustrative 2021 sample based on $250,000 in dwelling coverage

Top 3 Cheapest Homeowner Insurance Companies in Ohio

• Finding the lowest rate: For a $250,000 dwelling profile, Ohio’s average is in the low-$1,200s; your cheapest quote will depend on your home, ZIP code, and discounts — compare at least three carriers (source).
• Benchmarking: Ohio’s latest NAIC statewide average expenditure is in the low-$1,100s (2022), below the national average (source).
• $300,000 profile: For a similar policy with $300,000 in dwelling coverage, recent estimates place Ohio’s average around the mid-$1,400s to mid-$1,500s annually (source; source).

Top 3 Most Expensive Homeowner Insurance Companies in Ohio

• High-end outliers: Quotes can be higher for older roofs, higher-risk ZIP codes, or prior claims; review wind/hail deductibles and roof settlement terms, which vary by insurer.
• Coverage choices matter: Higher limits, lower deductibles, and add-ons like water backup or service line — or extended/guaranteed replacement cost — will increase premiums.
• Shop broadly: Rates vary widely by insurer and underwriting appetite; re-shop at renewal to track market changes and new discounts.

Common Home Insurance Perils in Ohio

Wind and hail are typically the most frequent homeowners claims in Ohio, with water damage/freezing and fire/lightning also major causes (Triple‑I). NOAA’s 2024 billion‑dollar disaster report confirms an exceptionally active severe‑storm environment, underscoring wind, hail, and tornado risk across the Midwest/Ohio Valley (NOAA). Standard homeowners insurance excludes flood; homeowners who face riverine or heavy‑rain flooding should consider separate flood coverage (III: Flood insurance; modeled Ohio flood exposure: RiskFactor).

Winter weather and plumbing leaks drive many water/freezing claims, while structure fires remain among the costliest losses on a severity basis. Ohio state fire officials publish annual reports detailing continuing residential fire incidents and property loss (Triple‑I; Ohio State Fire Marshal).

Theft and burglary represent a smaller share of homeowners claims relative to weather and water losses. FBI’s latest 2023 release shows burglary continuing a multi‑year decline since 2018 nationally — a pattern Ohio generally follows, with local variation by community (FBI Crime Data Explorer).

Add-on home insurance coverage in Ohio

Basic homeowners insurance coverage is fairly robust, but there are many losses that home insurance does not cover. You can find your policy’s covered perils on your insurance declaration page. 

To fill gaps in coverage, Ohio homeowners may want to consider purchasing add-on coverages. For example, purchasing a flood insurance policy can be  valuable, because basic home insurance will not cover flooding and residual water damage caused by floods. Many insurers can help you obtain a National Flood Insurance Program (NFIP) policy; NFIP pricing under Risk Rating 2.0 continues to phase in and most new policies carry a 30‑day waiting period (FEMA NFIP 2025 update; III). Private flood options and “inland flood” endorsements are also expanding in some areas.

Another add-on policy that can be beneficial for Ohio homeowners is scheduled personal property coverage, also called valuable items coverage, which is available through many providers. This policy extends your coverage limits for the valuable belongings you keep in your home, like furs, collections, jewelry, and fine art (III: Insuring jewelry and valuables).

Before you purchase homeowners insurance in Ohio, you may want to review some of these state-sponsored resources:

• Ohio Department of Insurance’s Homeowners Insurance Guide
• City of Cleveland’s Home Inventory Worksheet
• Ohio Committee for Severe Weather Awareness’ Flood Insurance Information

Ohio Home Insurance FAQ 

Methodology

We evaluated the companies based on their third-party agency ratings for customer experience and financial stability, as well as coverage options, discounts, and current Ohio market context (pricing trends, wind/hail exposure, and roof underwriting practices) to determine which might be the best providers. 

To compare home insurance companies across the board, we considered the following factors:

• Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
• Customer Experience: We reviewed the National Association of Insurance Commissioners’ National Complaint Index and compared each homeowners insurance company’s complaint rating.
• Customer Satisfaction: With J.D. Power’s 2024 U.S. Home Insurance Study, we assigned a score to each company based on the rating it received.
• Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.
• Discounts: We reviewed and compared the number of discounts advertised on each home insurance company’s website. The more available discounts, the higher the score in this metric.

Rates and averages cited reflect the latest NAIC statewide expenditure for Ohio (policy year 2022, via the Insurance Information Institute) and current market snapshots from sources like Bankrate, NerdWallet, and Policygenius using standardized profiles. These are sample rates and should be used for comparative purposes only. Your quotes may be different.

The coverage limits for home insurance rates reflect the following coverage and 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).

Keep Reading

Guide to Homeowners Insurance Coverage

Homeowners Insurance Buyer’s Guide

The Best Companies for Bundling Home and Auto Insurance in 2025