The MFP’s Community Home Insurance Survey use Ohio homeowners feedback and recommendations on home insurers, agents, and brokers. You can see premiums by home values and deductibles in the state and its main cities.
Shopping for home insurance can be complicated and we gathered this data to help your choice.
Updated: January 8, 2026
<< Human Powered Recommendations from Ohio Own Homeowners>>
- Ohio Best Home Insurance (companies)
- Best Home Insurance by City: Cost, Deductible & Rating
- Biggest Home Insurance Cost Factors in Ohio
- Ohio Best Home Insurance Discounts
- How to Find the Best Cheap Home Insurance in Ohio
- 5 Ways to Reduce Your Home Insurance Cost in Ohio
- What Does Home Insurance Cover in Ohio?
- What Extra Coverage Can Homeowners Get in Ohio and When?
- FAQ: Home Insurance in Ohio
Ohio Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Ohio are USAA, Amica, and State Farm.
| Insurer | Coverage |
Customer Experience |
Cost | Ease of Use | Recommend % |
|---|---|---|---|---|---|
| Amica | 5 | 5 | 4 | 4 | 92% |
| State Farm | 4 | 4 | 5 | 5 | 89% |
| Nationwide | 5 | 4 | 4 | 4 | 88% |
| Allstate | 4 | 3 | 4 | 4 | 85% |
| USAA | 5 | 5 | 4 | 4 | 94% |
| Erie | 4 | 4 | 3 | 3 | 87% |
| Lemonade | 3 | 4 | 5 | 5 | 82% |
| Liberty Mutual | 4 | 3 | 4 | 4 | 80% |
| American Family | 4 | 4 | 4 | 4 | 86% |
| Auto-Owners | 4 | 4 | 3 | 3 | 84% |
Ohio average home insurance for a $1,000 deductible:
- Ohio average premiums for a $300K Home is $1,241 (while it’s $1,568 nationally).
- Ohio average premiums for a $400K Home is $1,577. It’s $2,088 nationally.
- Ohio average premiums for a $600K Home is $2,163 (and it’s $2,906 nationally).
Best Insurance in Ohio’s cities
Columbus, Cleveland, Cincinnati, Toledo, Akron, Dayton, Parma, Lorain, Canton, Hamilton
Recommendations are gathered from 2,972 local Ohio members who got quotes, filed a claim or got new home insurance in the past 12 months. We surveyed cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Ohio Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Ohio Best Mortgage Lenders from Community Recommendations
Ohio Best Refinance Lenders from Community Recommendations
Ohio Best Mortgage Lenders from Community Recommendations
Ohio Best Refinance Lenders from Community Recommendations
More Resources for Ohio Homeowners.
Columbus Home Insurance Costs
Compare Columbus 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Columbus, the average annual insurance cost for a $300K home with a $500 deductible is $1,093. Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.3% in Columbus for a $300K home.
Columbus’s $600K home insurance cost is 17.5% lower than the Ohio average of $2,308. The Columbus average annual cost for a $600K home with a $500 deductible is $1,904.
Columbus’s $800K home insurance cost is 0.0% higher than the Ohio average of $2,581. The Columbus average annual cost for a $800K Home with a $500 deductible is $2,581.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $660 | $601 | $564 | $532 | $442 | $428 |
| $200K Home | $908 | $827 | $776 | $733 | $609 | $589 |
| $300K Home | $1,093 | $995 | $934 | $882 | $733 | $709 |
| $400K Home | $1,402 | $1,276 | $1,198 | $1,131 | $940 | $909 |
| $600K Home | $1,904 | $1,733 | $1,627 | $1,537 | $1,277 | $1,235 |
| $800K Home | $2,581 | $2,350 | $2,206 | $2,083 | $1,731 | $1,674 |
| $1M Home | $3,865 | $3,518 | $3,302 | $3,119 | $2,592 | $2,507 |
Columbus Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Columbus’s area are Acceptance Insurance, State Farm, and Nationwide.
- Acceptance Insurance (89%): Members highlight quick quotes and affordable bundling options.
- State Farm (87%): Homeowners praise responsive agents and seamless digital tools.
- Nationwide (85%): Users appreciate customizable coverage and local claim support.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Acceptance Insurance | Broker | 4 | 4 | 5 | 5 | 89% |
| State Farm | Agents | 4 | 5 | 5 | 4 | 87% |
| Nationwide | Insurer | 5 | 4 | 4 | 4 | 85% |
| Allstate | Agents | 4 | 3 | 4 | 4 | 82% |
| Erie | Insurer | 4 | 4 | 3 | 3 | 80% |
| Progressive | Agents | 3 | 4 | 5 | 4 | 78% |
| Buckeye Insurance | Broker | 3 | 3 | 3 | 5 | 77% |
| Ohio Mutual | Insurer | 4 | 4 | 3 | 4 | 76% |
| Hastings Mutual | Insurer | 3 | 3 | 3 | 5 | 75% |
| Lemonade | Insurer | 3 | 4 | 5 | 5 | 74% |
See also:
Columbus Best Refinance Lenders
Columbus Best Home Loan Lenders
Cleveland Home Insurance Costs
Compare Cleveland 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Cleveland average annual cost for a $300K home with a $500 deductible is $1,139. Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.1% in Cleveland for a $300K home.
Cleveland’s $600K home insurance cost is 14.2% lower than the Ohio average of $2,308. The Cleveland average annual cost for a $600K home with a $500 deductible is $1,980.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $697 | $634 | $596 | $564 | $474 |
| $200K Home | $943 | $858 | $806 | $762 | $641 |
| $300K Home | $1,139 | $1,036 | $974 | $921 | $774 |
| $400K Home | $1,440 | $1,310 | $1,231 | $1,164 | $979 |
| $600K Home | $1,980 | $1,801 | $1,693 | $1,601 | $1,345 |
Cleveland Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Cleveland’s area are Cleveland Insurance Brokers, Amica, and Liberty Mutual.
- Cleveland Insurance Brokers (91%): Homeowners value their multi-carrier comparisons and risk expertise.
- Amica (88%): Members commend hassle-free claims and transparent pricing.
- Liberty Mutual (84%): Users note strong discounts for safety devices.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Cleveland Insurance Brokers | Broker | 5 | 5 | 4 | 4 | 91% |
| Amica | Insurer | 5 | 5 | 4 | 4 | 88% |
| Liberty Mutual | Agents | 4 | 4 | 4 | 4 | 84% |
| Westfield | Insurer | 4 | 4 | 3 | 3 | 81% |
| Safeco | Insurer | 3 | 4 | 3 | 4 | 79% |
| American Family | Agents | 4 | 4 | 4 | 4 | 78% |
| Auto-Owners | Insurer | 4 | 4 | 3 | 3 | 77% |
| Country Financial | Broker | 3 | 3 | 3 | 4 | 76% |
| Hippo | Insurer | 3 | 4 | 5 | 4 | 75% |
| Farmers | Agents | 4 | 3 | 4 | 4 | 73% |
See also:
Cleveland Best Refinance Lenders
Cleveland Best Home Loan Lenders
Cincinnati Home Insurance Costs
Compare Cincinnati 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Cincinnati, the average annual insurance cost for a $300K home with a $500 deductible is $1,103. Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.1% in Cincinnati for a $300K home.
Cincinnati’s $600K home insurance cost is 16.1% lower than the Ohio average of $2,308. The Cincinnati average annual cost for a $600K home with a $500 deductible is $1,936.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $685 | $624 | $587 | $554 | $465 |
| $200K Home | $918 | $836 | $786 | $743 | $623 |
| $300K Home | $1,103 | $1,004 | $944 | $892 | $748 |
| $400K Home | $1,381 | $1,257 | $1,182 | $1,117 | $936 |
| $600K Home | $1,936 | $1,763 | $1,657 | $1,566 | $1,313 |
Cincinnati Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Cincinnati’s area are Hauser Insurance, Malhotra & Assoc., and Zimmer Insurance Group.
- Hauser Insurance (90%): Members highlight generational expertise and tailored policies.
- Malhotra & Assoc. (88%): Homeowners praise rapid claims processing.
- Zimmer Insurance Group (86%): Users value replacement cost guarantees.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Hauser Insurance | Broker | 5 | 5 | 4 | 4 | 90% |
| Malhotra & Assoc. | Broker | 4 | 5 | 4 | 4 | 88% |
| Zimmer Insurance Group | Broker | 5 | 4 | 3 | 4 | 86% |
| Huesman Schmid | Broker | 4 | 4 | 3 | 3 | 83% |
| Roehr Insurance | Broker | 4 | 4 | 3 | 3 | 80% |
| Cincinnati Insurance | Insurer | 4 | 4 | 3 | 4 | 79% |
| Armed Forces Insurance | Insurer | 4 | 5 | 3 | 4 | 78% |
| Buckeye Insurance | Broker | 3 | 3 | 3 | 5 | 77% |
| Travelers | Agents | 4 | 3 | 4 | 3 | 75% |
| Chubb | Insurer | 5 | 5 | 3 | 2 | 72% |
See also:
Cincinnati Best Refinance Lenders
Cincinnati Best Home Loan Lenders
Toledo Home Insurance Costs
Compare Toledo 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Toledo, the average annual insurance cost for a $300K home with a $500 deductible is $1,155. Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.1% in Toledo for a $300K home.
Toledo’s $600K home insurance cost is 14.4% lower than the Ohio average of $2,308. The Toledo average annual cost for a $600K home with a $500 deductible is $1,976.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $731 | $665 | $625 | $591 | $497 |
| $200K Home | $936 | $852 | $801 | $757 | $637 |
| $300K Home | $1,155 | $1,051 | $988 | $934 | $786 |
| $400K Home | $1,438 | $1,309 | $1,230 | $1,163 | $979 |
| $600K Home | $1,976 | $1,798 | $1,690 | $1,598 | $1,345 |
Toledo Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Toledo’s area are The Allen Thomas Group, Erie, and American Family.
- The Allen Thomas Group (93%): Homeowners emphasize personalized risk assessments.
- Erie (87%): Members note storm damage coverage clarity.
- American Family (85%): Users appreciate annual policy reviews.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| The Allen Thomas Group | Broker | 5 | 5 | 4 | 4 | 93% |
| Erie | Insurer | 4 | 4 | 3 | 3 | 87% |
| American Family | Agents | 4 | 4 | 4 | 4 | 85% |
| Allstate | Agents | 4 | 3 | 4 | 4 | 82% |
| Auto-Owners | Insurer | 4 | 4 | 3 | 3 | 80% |
| Westfield | Insurer | 4 | 4 | 3 | 3 | 79% |
| NJM | Insurer | 5 | 4 | 3 | 3 | 78% |
| Hastings Mutual | Insurer | 3 | 3 | 3 | 5 | 77% |
| Ohio Mutual | Insurer | 4 | 4 | 3 | 4 | 76% |
| Progressive | Agents | 3 | 4 | 5 | 4 | 75% |
See also:
Akron Home Insurance Costs
Compare Akron 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Akron average annual cost for a $300K home with a $500 deductible is $1,733. Choosing a $2,000 deductible instead of $500 can lower annual cost by 8.3% in Akron for a $300K home.
Akron’s $600K home insurance cost is 32.2% higher than the Ohio average of $2,308. The Akron average annual cost for a $600K home with a $500 deductible is $3,052.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,032 | $977 | $962 | $946 | $907 |
| $200K Home | $1,427 | $1,352 | $1,330 | $1,309 | $1,254 |
| $300K Home | $1,733 | $1,641 | $1,615 | $1,589 | $1,523 |
| $400K Home | $2,214 | $2,096 | $2,063 | $2,030 | $1,945 |
| $600K Home | $3,052 | $2,890 | $2,844 | $2,798 | $2,682 |
Akron Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Akron’s area are The Allen Thomas Group, Amica, and Erie.
- The Allen Thomas Group (93%): Homeowners emphasize personalized risk assessments and concierge-level service.
- Amica (88%): Members commend hassle-free claims and transparent pricing.
- Erie (87%): Users note storm damage coverage clarity and bundling discounts.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| The Allen Thomas Group | Broker | 5 | 5 | 4 | 4 | 93% |
| Amica | Insurer | 5 | 5 | 4 | 4 | 88% |
| Erie | Insurer | 4 | 4 | 3 | 3 | 87% |
| State Farm | Agents | 4 | 4 | 5 | 4 | 85% |
| Nationwide | Insurer | 5 | 4 | 4 | 4 | 83% |
See also:
Dayton Home Insurance Costs
Compare Dayton 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Dayton, the average annual insurance cost for a $300K home with a $500 deductible is $2,072. Choosing a $2,000 deductible instead of $500 can lower annual cost by 8.1% in Dayton for a $300K home.
Dayton’s $600K home insurance cost is 57.5% higher than the Ohio average of $2,308. The Dayton average annual cost for a $600K home with a $500 deductible is $3,635.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,245 | $1,181 | $1,163 | $1,144 | $1,097 |
| $200K Home | $1,743 | $1,654 | $1,628 | $1,601 | $1,535 |
| $300K Home | $2,072 | $1,966 | $1,935 | $1,904 | $1,825 |
| $400K Home | $2,674 | $2,537 | $2,497 | $2,457 | $2,355 |
| $600K Home | $3,635 | $3,449 | $3,394 | $3,340 | $3,201 |
Dayton Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Dayton’s area are State Farm, American Family, and Allstate.
- State Farm (92%): Users highlight seamless digital tools and responsive agents.
- American Family (89%): Homeowners praise affordability and annual policy reviews.
- Allstate (82%): Members value addons customization like water backup coverage.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4 | 5 | 5 | 4 | 92% |
| American Family | Agents | 4 | 4 | 4 | 5 | 89% |
| Allstate | Agents | 4 | 3 | 4 | 4 | 82% |
| Liberty Mutual | Agents | 4 | 4 | 4 | 4 | 80% |
| Progressive | Agents | 3 | 4 | 5 | 4 | 78% |
See also:
Parma Home Insurance Costs
Compare Parma 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Parma average annual cost for a $300K home with a $500 deductible is $1,145. Choosing a $2,000 deductible instead of $500 can lower annual cost by 7.9% in Parma for a $300K home.
Parma’s $600K home insurance cost is 15.5% lower than the Ohio average of $2,308. The Parma average annual cost for a $600K home with a $500 deductible is $1,951.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $716 | $682 | $670 | $659 | $632 |
| $200K Home | $929 | $884 | $870 | $855 | $820 |
| $300K Home | $1,145 | $1,090 | $1,072 | $1,054 | $1,010 |
| $400K Home | $1,437 | $1,368 | $1,346 | $1,323 | $1,268 |
| $600K Home | $1,951 | $1,857 | $1,826 | $1,795 | $1,721 |
Parma Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Parma’s area are Nationwide, Westfield, and Hastings Mutual.
- Nationwide (85%): Members appreciate better roof replacement coverage.
- Westfield (81%): Homeowners note competitive rates for older homes.
- Hastings Mutual (77%): Users highlight niche coverage for farm properties.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Nationwide | Insurer | 5 | 4 | 4 | 4 | 85% |
| Westfield | Insurer | 4 | 4 | 3 | 3 | 81% |
| Hastings Mutual | Insurer | 3 | 3 | 3 | 5 | 77% |
| Auto-Owners | Insurer | 4 | 4 | 3 | 3 | 76% |
| Buckeye Insurance | Broker | 3 | 3 | 3 | 5 | 75% |
See also:
Lorain Home Insurance Costs
Compare Lorain 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Lorain, the average annual insurance cost for a $300K home with a $500 deductible is $1,214. Choosing a $2,000 deductible instead of $500 can lower annual cost by 8.0% in Lorain for a $300K home.
Lorain’s $600K home insurance cost is 7.9% lower than the Ohio average of $2,308. The Lorain average annual cost for a $600K home with a $500 deductible is $2,127.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $733 | $698 | $686 | $674 | $646 |
| $200K Home | $979 | $933 | $917 | $901 | $863 |
| $300K Home | $1,214 | $1,157 | $1,137 | $1,117 | $1,071 |
| $400K Home | $1,533 | $1,461 | $1,435 | $1,410 | $1,352 |
| $600K Home | $2,127 | $2,027 | $1,992 | $1,957 | $1,876 |
Lorain Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Lorain’s area are Lighthouse Insurance Agency, Erie, and Ohio Mutual.
- Lighthouse Insurance Agency (90%): Homeowners value multi-carrier comparisons and risk expertise.
- Erie (86%): Members highlight guaranteed replacement cost coverage.
- Ohio Mutual (78%): Users praise affordability for starter homes.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Lighthouse Insurance Agency | Broker | 5 | 5 | 4 | 4 | 90% |
| Erie | Insurer | 4 | 4 | 3 | 3 | 86% |
| Ohio Mutual | Insurer | 4 | 4 | 3 | 4 | 78% |
| Nationwide | Insurer | 5 | 4 | 4 | 4 | 77% |
| Allstate | Agents | 4 | 3 | 4 | 4 | 75% |
See also:
Canton Home Insurance Costs
Compare Canton 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Canton, the average annual insurance cost for a $300K home with a $500 deductible is $1,216. Choosing a $2,000 deductible instead of $500 can lower annual cost by 7.9% in Canton for a $300K home.
Canton’s $600K home insurance cost is 7.7% lower than the Ohio average of $2,308. The Canton average annual cost for a $600K home with a $500 deductible is $2,130.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $747 | $713 | $701 | $688 | $660 |
| $200K Home | $1,011 | $964 | $948 | $931 | $893 |
| $300K Home | $1,216 | $1,160 | $1,140 | $1,120 | $1,074 |
| $400K Home | $1,545 | $1,474 | $1,449 | $1,423 | $1,365 |
| $600K Home | $2,130 | $2,032 | $1,997 | $1,962 | $1,881 |
Canton Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Canton’s area are Blackwell Agency, State Farm, and Auto-Owners.
- Blackwell Agency (88%): Members highlight generational expertise since 1983.
- State Farm (85%): Users praise bundling discounts for auto policies.
- Auto-Owners (83%): Homeowners note specialty coverage for historic homes.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Blackwell Agency | Broker | 4 | 5 | 4 | 4 | 88% |
| State Farm | Agents | 4 | 4 | 5 | 4 | 85% |
| Auto-Owners | Insurer | 4 | 4 | 3 | 3 | 83% |
| American Family | Agents | 4 | 4 | 4 | 5 | 80% |
| Travelers | Agents | 4 | 3 | 4 | 3 | 77% |
See also:
Hamilton Home Insurance Costs
Compare Hamilton 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Hamilton average annual cost for a $300K home with a $500 deductible is $1,371. Choosing a $2,000 deductible instead of $500 can lower annual cost by 7.8% in Hamilton for a $300K home.
Hamilton’s $600K home insurance cost is 3.6% higher than the Ohio average of $2,308. The Hamilton average annual cost for a $600K home with a $500 deductible is $2,391.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $810 | $774 | $761 | $747 | $717 |
| $200K Home | $1,127 | $1,076 | $1,058 | $1,039 | $997 |
| $300K Home | $1,371 | $1,309 | $1,287 | $1,264 | $1,213 |
| $400K Home | $1,761 | $1,681 | $1,653 | $1,624 | $1,558 |
| $600K Home | $2,391 | $2,282 | $2,244 | $2,204 | $2,115 |
Hamilton Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Hamilton’s area are Hamilton Insurance Agency, Nationwide, and Farmers.
- Hamilton Insurance Agency (87%): Homeowners value integrated benefits administration.
- Nationwide (84%): Members appreciate identity theft coverage add-ons.
- Farmers (80%): Users highlight mobile app for policy management.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Hamilton Insurance Agency | Broker | 5 | 5 | 4 | 4 | 87% |
| Nationwide | Insurer | 5 | 4 | 4 | 4 | 84% |
| Farmers | Agents | 4 | 3 | 4 | 4 | 80% |
| Liberty Mutual | Agents | 4 | 4 | 4 | 4 | 78% |
| Progressive | Agents | 3 | 4 | 5 | 4 | 75% |
See also:
Hamilton Best Refinance Lenders
Hamilton Best Home Loan Lenders
Biggest Home Insurance Cost Factors in Ohio
Weather Risks
Ohio experiences a mix of severe weather threats, including tornadoes in the western and central parts of the state, heavy snowfall in the north, and flooding risks along rivers and low-lying areas. Winter storms can cause roof damage, frozen pipes, and structural strain, while spring and summer bring severe thunderstorms with hail. These weather risks directly impact premiums, as insurers must account for higher potential claim payouts in vulnerable regions.
Home Construction Age
Older homes in Ohio, particularly those built before the 1980s, may have outdated electrical wiring, plumbing, and roofing materials. These factors increase the risk of fire, water damage, and structural issues, raising premiums. Newer homes tend to benefit from modern building codes, better insulation, and impact-resistant materials, which lower insurance costs. The table below shows general cost multipliers by home age, which apply in Ohio, but note that extreme weather damage to older homes—especially in areas with freeze-thaw cycles—can push costs even higher.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 15% to 25% less |
| 6–10 years | 15% to 5% less |
| 11–20 years | 0% |
| 21–30 years | 10% to 20% more |
| 31–40 years | 25% to 40% more |
| 41–60 years | 45% to 65% more |
| 60+ years | 70% to 100% more |
Credit Score
Ohio insurers often use credit-based insurance scores to help determine premiums. Statistically, homeowners with lower credit scores tend to file more claims, leading insurers to view them as higher risk. While some states restrict credit score use, Ohio does not, so the impact can be significant. The table below shows how cost can vary based on credit score tiers within Ohio’s insurance market.
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0% |
| Good | 20% more |
| Average | 40% more |
| Poor | 100% to 170% more |
Location
Where your home is located in Ohio greatly influences your insurance costs. Homes in areas with higher crime rates may face increased theft and vandalism risk, while those in flood-prone areas—especially near the Ohio River or Lake Erie shoreline—require additional flood coverage. Rural homes may be farther from fire stations, raising premiums, while urban homes face higher replacement cost valuations.
Best Home Insurance Discounts in Ohio
- Multi-Policy Discount: Bundling home and auto insurance with the same provider.
- Claims-Free Discount: Maintaining a clean claims record for several years.
- Home Security Discount: Installing monitored alarm systems, deadbolts, or smart security devices.
- New Roof Discount: Using wind- and hail-resistant roofing materials.
- Loyalty Discount: Staying with the same insurer for multiple years.
- Gated Community Discount: Living in a neighborhood with controlled access.
How to Find the Best Cheap Home Insurance in Ohio
Homeowners should compare quotes from at least three providers, making sure to check coverage limits and exclusions. The cheapest policy may not provide sufficient protection, especially for weather-related risks common in Ohio. Reviewing financial stability ratings and customer service reviews can help ensure reliability when filing a claim.
5 Ways to Reduce Your Home Insurance Cost in Ohio
- Increase your deductible if you can cover higher out-of-pocket costs.
- Bundle your home and auto insurance with the same provider.
- Maintain a strong credit score to qualify for lower rates.
- Invest in a new roof or upgrade old home systems.
- Install security systems and smoke detectors.
What Does Home Insurance Cover in Ohio?
Standard home insurance in Ohio typically covers dwelling protection, other structures, personal property, liability, and additional living expenses. It generally protects against risks like fire, theft, vandalism, hail, and windstorms. Flood and earthquake damage are not covered and require separate policies.
What Extra Coverage Can Homeowners Get in Ohio and When?
Optional coverage includes flood insurance (important for flood-prone regions), sewer backup coverage (useful in older neighborhoods with aging infrastructure), identity theft protection, and increased replacement cost coverage for high-value homes. Homeowners should consider extra coverage if they live in risk-prone areas or own valuable assets not fully protected by a standard policy.
FAQ: Home Insurance in Ohio
What is the average cost of home insurance in Ohio? Around $1,200 annually, but varies by location, coverage level, and home type.
Does Ohio require home insurance? The state does not mandate it, but lenders require coverage for mortgaged homes.
Are floods covered by home insurance in Ohio? No. You must buy separate flood insurance for flood-related damage.
Can I get a discount for having a new home in Ohio? Yes, newer homes often qualify for lower rates due to reduced risk of structural issues.
How much liability coverage should I carry? Most homeowners choose $300,000 or more, depending on assets and risk exposure.