Best and cheapest homeowners insurance in Ohio for 2024

Erie Insurance, Auto-Owners, State Farm, American Family, and Nationwide provide the best home insurance policies in Ohio, amongst the carriers surveyed by Insurance.com. Auto-Owners offers the cheapest home insurance in Ohio at $1,610 per year.

Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

At Insurance.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Erie Insurance is the best homeowners insurance company in Ohio, based on an analysis by Insurance.com, with an overall rating of 4.72.    

Auto-Owners offers the cheapest home insurance in Ohio at $1,610 per year, for $300,000 dwelling coverage and $300,000 liability with a $1,000 deductible.  

With so many options, choosing a homeowners insurance company in Ohio is not easy. You need a reliable company that will provide you with quality service at an affordable price. Read on for everything you need to know to choose the best home insurance for your needs.

Key takeaways

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.

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.

*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:

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

Most & least expensive ZIP codes for homeowners insurance in Texas

The most expensive ZIP codes in Ohio for home insurance 

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:

The least expensive ZIP codes in Ohio for home insurance

The cheapest ZIP codes for home insurance in Ohio are:

Home insurance FAQs

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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