Ohio Homeowners Insurance

The average Ohio homeowners insurance rates are $47 per month, but your premiums will vary based on where you live in the state and the age of your home. Enter your ZIP code below to get free Ohio home insurance quotes from local companies so you can find the best rates for the level of coverage you need.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The average home value in Ohio is $134,600, which plays a major role in determining the average annual Ohio homeowners insurance cost of $565 (or $47 per month).

To make sure that your insurance provides the coverage you need, get familiar with the major parts of the policy and learn which perils it is likely to face in the future:

  1. Dwelling
    Your family lives in the dwelling. That includes the primary home and any structures that are permanently attached to it, such as a garage or a room that was added on after the house was constructed. The definition of the dwelling is also important in determining loss of use, as it is the loss of use of parts of the dwelling that decide whether you will be eligible for reimbursement.
  2. Other Structures
    If there are constructions on the property that are not connected permanently to the dwelling, they are listed as other structures. Examples of other structures include a guest house, an elaborate mailbox, a fence, or such support structures as a pump house or tool shed.
  3. Personal Property
    All of your things that go into furnishing the home and property are your personal property, but you should be aware that the personal property section of your policy will only protect personal property up to a specified percentage of the policy value. In almost all circumstances, the personal property in the home is going to be worth more than the default coverage will replace.
  4. Loss of Use
    Loss of use is the term that describes being deprived of some or all of the use of your home. A tree falling on a laundry room could result in a loss of use of your laundry facilities, for example. When you are affected by loss of use, save your receipts and make notes about the costs, and then turn in the claim for reimbursement of your expenditures.

Average Ohio Homeowner Insurance Rates vs. US

Source: USCB

Cheaper Ohio Home Insurance

You can take some steps on your own to lower your home insurance rates. Your credit score regularly and Start by making the home more secure, and then do some maintenance to make it a safer place to live, for instance. Cheaper home insurance does not mean cutting corners that could come back to cause problems for your family, it means taking an active role in protecting the home and your future.

  • Home Security
    The burglary rate in Ohio is around 9.23 out of every 1000 people, while the national rate is 5.17. To reduce the risks of burglary and vandalism at your home, consider installing a security system that is monitored 24/7 by a professional monitoring company. A couple of other steps you can take to make your home safer and earn home insurance discounts is to have deadbolts put in your entry doors and have a fence erected along the road or even around the entire property.
  • Reduce Insurance Risks
    Insurance risks come in a variety of shapes, and reducing them requires little more than regular maintenance on the property. Trim back dead branches in the trees around your home, and keeping the roof free of leaves and other debris that shorten the durability of the shingles. Not all of the maintenance you do will earn you discounts on your insurance, but they will reduce the need to file claims, and that saves you money in the long run.
  • Credit Score and Insurance Risk
    Even if your credit score is less than the Ohio average of 690, you can get discounts on your home insurance policy by maintaining a credit score of 650 or higher. Your credit score is how the insurance company assesses your personal financial risk, so keeping that score high saves you money on all of your insurance needs, not just the home policy.

Home Characteristics Affecting Ohio Insurance Rates

If your home is around 44 years years, the Ohio average home age, you may need to be concerned with the way it was built. because material prices change over time, your best coverage would come from choosing full replacement coverage over the more common and less expensive actual cash value.

Local Natural Disasters Ohio Homeowners Should Consider Protecting Against

Understanding which natural perils your home may face will help you better protect your family against losses. Each state has different phenomena to deal with, and some perils require purchasing special coverage from high risk insurance pools like the FAIR plan.

  • Earthquakes
    Ranked at 28 out of 51, Ohio is not a state where earthquakes are a problem. While no one can say that one will not happen, the chances are good that you will not need to purchase this type of coverage.
  • Flood
    Ohio residents filed 157 claims in 2009, just enough to drive home the fact that no one is immune from the flood disaster. If you cannot buy flood insurance through your insurance company, try high risk companies or call your state’s Department of insurance and ask them about the FAIR plan.
  • Hail
    Hail is a common peril in all states, and Ohio is no exception. However, unless it has been specifically excluded on your policy, hail is covered as wind damage and a part of all standard homeowners insurance policies.
  • Hurricanes
    While it is a rare event, hurricanes can make their way to Ohio. Flooding is the major problem that would need to be dealt with, because all other hurricane related damages are covered by a standard insurance policy.
  • Tornadoes
    With approximately 26 tornadoes each year, Ohio is not a major place for tornadoes, but they do happen. Unless specifically excluded, however, tornadoes are considered wind damage and covered in a standard policy.
  • Wildfires
    Around 74,749 wildfires are fought around the nation each year, and Ohio is subject to experience them. The good news is that unless your policy excludes wildfire, it is covered under the ordinary fire portion of your policy.

Ohio Homeowners Insurance Optional Coverages

Neither your personal property coverage nor your personal injury liability are very likely to be sufficient. Personal property limits are usually at 10% or less of the value of the property, for instance. To make these two coverages work better at protecting the things you own, ask your insurance agent about increasing the limits on both.

Important Contact Information

Ohio Department of Insurance
50 W. Town Street
Third Floor – Suite 300
Columbus, Ohio 43215
Phone: (800) 686-1526

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