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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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 |
Brecksville | $1,008 |
Apple Creek | $1,009 |
Haydenville | $1,292 |
Duncan Falls | $1,293 |
Sharpsburg | $1,294 |
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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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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