Ohio Home Insurance Quotes
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 home insurance rates in Ohio. We are now offering comparative rates on auto insurance too, which could save you even more.
Our team of licensed agents will shop for your Ohio home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple OH insurance providers.
Get the Best Home Insurance Rates in OH
Homeowners insurance premiums in Ohio were around $766.00 in April of 2013 when they decreased from $773 in March. 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
|Apr 2013||Mar 2013||Feb 2013||Jan 2013||Dec 2012|
Though average Ohio homeowners insurance premiums have decreased, you should stay mindful of how much you are paying to insure your home - and where you can save. Taking advantage of discounts can keep your rates low and 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.
Enter your ZIP code in one of the forms above or call 1-877-295-3422 now to start getting Ohio home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your OH policy. They also will make sure you get every available discount. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
See what your neighbors in Ohio are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Ohio by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$560||$590||$799†||$540||$724†|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Gas||Central Electric|
Standard Ohio Home Insurance Coverages
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
Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Ohio home insurance policy
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.
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.
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.
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
California tops the nation in dog bite claimsThursday, May 17, 2012
Ohio officials alter state's proposed exotic animal regulationsMonday, April 23, 2012
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
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:
- Van Wert
Customer Reviews in Ohio
For additional information about specific insurance laws in Ohio, visit the Ohio Department of Insurance website.