Paige Cerulli Last Updated On: October 26, 2023

How to Find the Best Home Insurance in Ohio

Home repairs can be incredibly expensive, but with a quality home insurance policy, you’ll have the peace of mind of knowing that you’ll be able to repair your home after an incident like a fire. Home insurance helps to protect your investment in your home, but finding the right policy can be tricky, especially if you’re buying your first home and aren’t quite sure what to look for in an insurance policy.

That’s why we’ve outlined the key information you need to know to find the best home insurance in Ohio at the best price.

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Table of Contents

The Average Cost of Home Insurance in Ohio

The average cost of home insurance in Ohio is $1,140 for a year of $250,000 in dwelling coverage. That rate is slightly lower than the national average insurance rate of $1,428 per year. Ohio’s lower rates may be because the state has a lower cost of living than many other areas in the United States, so home repair and replacement costs are lower. Additionally, earthquakes and catastrophic hurricanes are uncommon in Ohio, so insurance companies face fewer large claims.

While Ohio’s average home insurance rates are on the low side, where you live in the state will also impact your rates. Cities with higher crime rates or higher risk of severe weather will have higher insurance rates, while rates will be lower in lower-risk areas.

Ohio City

Average Cost of Home Insurance Per Year



Apple Creek




Duncan Falls





Plenty of other factors, like your home’s age, its value, and its distance from the nearest fire station, will also impact your insurance costs. Since rates can vary so much, a personalized home insurance quote will give you the most accurate idea of what you’ll need to budget for insurance. You can get free home insurance quotes in Ohio from ConsumerCoverage today to start exploring your insurance options.

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Coverage Options for Home Insurance in Ohio

When shopping for home insurance in Ohio, you’ll need to understand what your insurance includes compared to what it excludes. Most standard home insurance policies will include these types of coverage:
  • Dwelling coverage helps to protect the structural elements in your home, including its walls, roof, and porch.
  • Other structures coverage protects the buildings on your property that are detached from your home, like a barn or shed.
  • Personal property coverage helps to cover expenses for repairing or replacing damaged personal belongings inside the home, such as electronics or furniture.
  • Personal liability coverage helps to protect you from expenses, like legal fees, that you could face if another person were injured on your property.
  • Medical payments coverage helps to pay for medical bills that another person might face if they’re injured on your property.
  • Loss of use coverage applies if your home is ever damaged and uninhabitable while it’s being repaired. It helps to cover expenses like a hotel room or rental home.
These coverages are a good starting place, but they don’t offer complete protection. Depending on your home’s risk factors, you might want to purchase these additional, optional home insurance policies:
  • Flood insurance: If your home is in a flood zone, you might want to buy flood insurance. Most standard insurance doesn’t cover damage caused by flooding.
  • Valuable items coverage: Your personal property coverage generally has a limit, so it might not be enough coverage to replace valuable items in your home, like artwork or jewelry. Valuable items coverage has a higher limit, so you can replace these more expensive items if needed.

How to Save Home Insurance in Ohio

To find the best home insurance in Ohio, take the time to shop around. Many insurance providers offer discounts when you purchase multiple policies, like home and car insurance. You may also be able to lower your monthly premiums with a high deductible policy, but it’s important to make sure that you have the money to pay that higher deductible if you have to file a claim.

Comparing quotes is the best way to make sure you’re getting the best coverage at the best price. To get started, request a free homeowners insurance quote from ConsumerCoverage today.

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