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If you live in a condo, your homeowners association is responsible for insuring the building and common areas, but it won’t cover your personal property if it gets destroyed or damaged. To protect your belongings, you’ll need to buy condo insurance, also known as HO-6 insurance.

The average condo insurance cost in Ohio is $419 annually. However, your rates will vary depending on the coverage limit, zip code, and the insurance company you choose.

Read this guide to compare quotes from major insurance companies and find out which carrier offers the best rates for condo insurance in Ohio.

Best condo insurance companies in Ohio

In Ohio, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction rating of all the major insurers across Ohio. Below are the best condo insurance companies in Ohio based on Insurance.com's analysis.

  • USAA
  • State Farm
  • American Family
  • Allstate
  • Farmers

Compare best condo insurance companies in Ohio

While looking for a condo insurance policy cost is important, but it shouldn't be the only thing to consider when buying condominium insurance. You should take into account the insurance company's customer service, financial stability, and claims handling.

Our team of experts has analyzed major insurance carriers across Ohio using their J.D. Power score and AM Best rating. Based on Insurance.com's analysis, USAA tops the list of the best condo insurance companies with a J.D. Power score of 882 out of 1000 and it also gets an A++ rating from AM Best, which is the highest rating they offer. However, USAA offers its services only to military officials, veterans, and their family members.

With a J.D. power score of 835, State Farm ranks second on our list. If not USAA, State Farm is another great option for purchasing condominium insurance. Below we provide a list of the best condo insurance companies in Ohio along with their J.D. Power score and AM Best rating.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
American Family831A
Allstate829A+
Farmers813A
Nationwide812A+
Safeco810A
Liberty Mutual806A
Travelers800A++

Average cost of condo insurance in Ohio

The average cost of condo insurance in Ohio is $419 a year or $35 per month. This rate is for the coverage level of $40,000 in personal property, $100,000 for liability protection with a $1000 deductible. Condo insurance rates can be as low as $29 or as high as $130 a month, depending on your location among other factors.

Average annual premiumAverage monthly premium
$419$35

CONDO INSURANCE CALCULATOR

Average condo insurance rates in OHIO

$60,000
$1,000
$100,000
44503 - Youngstown
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $513

HIGHEST RATE: $2,160 LOWEST RATE: $214
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Most & least expensive zip codes for condo insurance in Ohio

Most Expensive

Zip CodeCityHighest Rate
43623Toledo$548
43504Berkey$541
43560Sylvania$541
43615Ottawa Hills$541

Least Expensive

Zip CodeCityLowest Rate
43019Fredericktown$433
43106Bloomingburg$436
43050Mount Vernon$436
43037Martinsburg$437

Condo insurance rates by companies in Ohio

As we have mentioned above, your condo insurance rates vary depending on the insurance carrier you choose. Based on Insurance.com's rate analysis, Allstate offers the most affordable rate for condo insurance in Ohio at an average cost of $236 per year. That's $183 less expensive annually than the state average of ($419).

Compare the best condo insurance companies in Ohio using their average annual premium mentioned below.

CompanyAverage annual premium
Allstate$236
Cincinnati Insurance$279
Nationwide$361
State Farm$395
Travelers$414
Liberty Mutual$421
Safeco$431
American Family$437
USAA$446
Garrison$458
Farmers$955