4.5/5 stars Read Reviews
Call Us Now: Shopping for Ohio home insurance quotes just got easier. Fill out one quote form on HomeInsurance.com and our team of licensed agents will compare your policy with the top rated insurance providers in the country. It's the easiest way to know you're getting the best homeowners insurance rates in Ohio. We are now offering comparative rates on auto insurance too, which could save you even more.
Homeowners insurance premiums in Ohio were around $621.00 in September of 2011 when they increased from $610 in August. These rates reflect average premiums on new sold policies by HomeInsurance.com. A standard policy will cover the structure of the buildings on the property, the contents of the home, liability for the homeowner(s), medical payments and loss of use expenses.
Average Premiums for Home Insurance In Ohio |
||||
| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $621.00 | $610.00 | $592.00 | $589.00 | $588.00 |
Since average Ohio homeowners insurance premiums have increased, you should stay mindful of how much you are paying to insure your home. Taking advantage of discounts can make sure your rates stay low while keeping your coverage intact. The biggest savings can usually be found with a home-auto discount which can save you around 20% on your Ohio policy. Other discounts may be offered for homes that have burglar alarms and deadbolt locks.
Standard Ohio Home Insurance Coverages
| A | Dwelling: A standard Ohio homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Ohio home insurance policy |
| C | Contents/Personal Property: A Ohio home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Ohio home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Ohio, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Ohio MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Ohio Homeowners Insurance News
- Ohio bill would remove dangerous label from pit bullsFriday, February 10, 2012
- 2011 flood damage could increase risks for 2012Tuesday, January 31, 2012
- Natural gas pipeline explosion damages Ohio homesThursday, November 17, 2011
- City of Akron receives improved fire safety ratingThursday, November 10, 2011
- Unprecedented spring storms in Ohio lead to heavy losses Tuesday, June 28, 2011
Other Ohio Homeowners Resources:
- Home Insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Ohio
- Disaster Preparedness Guide- Make sure your home and family is protected.
- Are you qualifying for all available discounts in Ohio? Check out our list of available home insurance discounts.
Search for home insurance in your Ohio county:
- Adams
- Allen
- Ashland
- Ashtabula
- Athens
- Auglaize
- Belmont
- Brown
- Butler
- Carroll
- Champaign
- Clark
- Clermont
- Clinton
- Columbiana
- Coshocton
- Crawford
- Cuyahoga
- Darke
- Defiance
- Delaware
- Erie
- Fairfield
- Fayette
- Franklin
- Fulton
- Gallia
- Geauga
- Greene
- Guernsey
- Hamilton
- Hancock
- Hardin
- Harrison
- Henry
- Highland
- Hocking
- Holmes
- Huron
- Jackson
- Jefferson
- Knox
- Lake
- Lawrence
- Licking
- Logan
- Lorain
- Lucas
- Madison
- Mahoning
- Marion
- Medina
- Meigs
- Mercer
- Miami
- Monroe
- Montgomery
- Morgan
- Morrow
- Muskingum
- Noble
- Ottawa
- Paulding
- Perry
- Pickaway
- Pike
- Portage
- Preble
- Putnam
- Richland
- Ross
- Sandusky
- Scioto
- Seneca
- Shelby
- Stark
- Summit
- Trumbull
- Tuscarawas
- Union
- Van Wert
- Vinton
- Warren
- Washington
- Wayne
- Williams
- Wood
- Wyandot
Customer Reviews in Ohio
For additional information about specific insurance laws in Ohio, visit the Ohio Department of Insurance website.
