- Best homeowners insurance companies in Ohio: Erie Insurance
- Cheapest home insurance companies in Ohio: Auto-Owners
- Average home insurance cost in Ohio
- Ohio home insurance rates by ZIP code
- Frequently asked questions about Ohio homeowners insurance
- Compare Ohio homeowners insurance rates with other states
Best homeowners insurance companies in Ohio: Erie Insurance
The best home insurance company in Ohio for 2024 is Erie Insurance. Auto-Owners, State Farm, American Family, and Nationwide are among the top home insurance companies in Ohio based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | NAIC complaint ratio | Insurance.com score | Average annual rate |
|---|---|---|---|---|
| Erie Insurance | A+ | 0.52 | 4.72 | $1,885 |
| Auto-Owners | A++ | 0.37 | 4.64 | $1,610 |
| State Farm | A++ | 0.83 | 4.23 | $1,807 |
| American Family | A | 0.80 | 3.73 | $1,893 |
| Nationwide | A+ | 1.05 | 3.67 | $1,902 |
| Allstate | A+ | 1.46 | 3.40 | $1,690 |
| Farmers | A | 0.67 | 3.20 | $2,578 |
| Travelers | A++ | 1.10 | 2.60 | $6,626 |
Cheapest home insurance companies in Ohio: Auto-Owners
Below are Ohio home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, you’ll see Auto-Owners has the most affordable rates for all dwelling coverages, except the highest dwelling coverage of $1,000,000 in every category. USAA offers the cheapest home insurance, but only to military veterans and their families.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| USAA* | $1,229 | $1,548 | $1,810 | $2,284 | $3,132 |
| Auto-Owners | $1,292 | $1,610 | $1,947 | $2,530 | $4,957 |
| Allstate | $1,446 | $1,690 | $2,027 | $2,795 | $4,339 |
| State Farm | $1,484 | $1,807 | $2,014 | $2,539 | $3,496 |
| Erie Insurance | $1,355 | $1,885 | $2,397 | $3,349 | $5,349 |
| American Family | $1,518 | $1,893 | $2,254 | $2,951 | $4,229 |
| Nationwide | $1,464 | $1,902 | $2,327 | $3,191 | $4,777 |
| Grange Mutual | $1,740 | $2,279 | $2,801 | $3,667 | $5,137 |
| Farmers | $1,904 | $2,578 | $3,409 | $5,289 | $9,197 |
| Travelers | $6,244 | $6,626 | $7,791 | $12,488 | $20,328 |
*USAA only provides coverage to military members, veterans, and their families.
Average home insurance cost in Ohio
The average cost of homeowners insurance in Ohio is $2,160 a year or $180 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Ohio homeowners insurance companies to get the best deal
Ohio home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Ohio to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
Home insurance calculator
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
Most expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
Least expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Ohio Department of Insurance says...
Ohio has a fund to insure property that is in danger of sinking due to its proximity to an old coal mine. There are more than 4,000 abandoned coal mines in Ohio. All residential policies sold in mandatory coverage counties must protect against damage caused when an underground mine sinks (subsides).
The policy pays up to the home's insured value or $300,000, whichever is less, with you responsible for the deductible. The deductible is two percent of the insured value at a minimum of $250 and a maximum of $500. Contents, barns and other outbuildings are not covered.
The most expensive ZIP codes in Ohio for home insuranceÂ
Ohio homeowners insurance rates are the most expensive for ZIP code is 45657, with an average annual cost of $2,746.
The most expensive ZIP codes in Ohio are:
| ZIP code | Average annual rate |
|---|---|
| 45657 | $2,746 |
| 45613 | $2,708 |
| 45648 | $2,691 |
| 45653 | $2,688 |
| 45682 | $2,685 |
| 45656 | $2,673 |
The least expensive ZIP codes in Ohio for home insurance
The cheapest ZIP codes for home insurance in Ohio are:
| ZIP code | Average annual rate |
|---|---|
| 44274 | $1,677 |
| 44250 | $1,683 |
| 44670 | $1,684 |
| 44652 | $1,690 |
| 44650 | $1,693 |
| 44285 | $1,694 |
Frequently asked questions about Ohio homeowners insurance
Do I need flood insurance in Ohio?
Flood insurance is not part of a normal home insurance policy. Instead, you need to buy a separate policy through the National Flood Insurance Program (NFIP) or an insurer that works with NFIP. If you live in a high-risk area, your mortgage company might require you to buy a flood insurance policy.
How can I get cheaper home insurance in Ohio?
Shopping around is the best way to save on home insurance. In addition to comparing rates at least once a year and maintaining good credit, you should maintain your home to decrease the chance of filing a claim. You can also raise your deductible to get lower rates as long as you can afford the higher amount if you file a claim.
What if I can’t get Ohio home insurance?
The Ohio FAIR Plan Underwriting Association will help if you can't find home insurance. The FAIR Plan is similar to any other home insurance policy. A FAIR Plan covers you for fire, vandalism and other damages. An Ohio insurance company will be assigned to cover your home; bear in mind this is the option of last resort and can be expensive.
How do I file a complaint against my insurance company in Ohio?
If you need to file a complaint, contact the Ohio Department of Insurance Consumer Services Division at 1-800-686-1526. A representative will discuss your insurance rights and how to file a complaint.
If you prefer, you can file a complaint online. If you prefer to file by mail, call the number above and request a hard copy of the complaint form.
Mail complaints to:
Ohio Department of Insurance
Consumer Services Division
50 West Town Street
Third Floor/Suite 300
Columbus, OH, 43215
How long does the home insurance company have to settle a claim in Ohio?
The insurance company has 15 days to acknowledge receipt of your claim, another 21 days to approve. or reject the claim, and then another 10 days to make issue payment on an approved claim.
Compare Ohio homeowners insurance rates with other states
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