Ohio Home Insurance Quotes
If you're hunting for Ohio home insurance quotes, the agents with HomeInsurance.com can help you. The best way to find the right homeowners insurance is to compare premiums and policies, and that's what makes our service so valuable. Our licensed agents search through multiple highly rated carriers to find you a good fit.
An Ohio policy to protect against the unexpected
Water defines the Buckeye State's northern (Lake Erie) and southern (Ohio River) borders, so it's no surprise that flooding poses great risk to Ohio residents. Many large rivers cross Ohio, so residents should know if their homes are at risk. Standard home insurance policies do not cover flood damage, but you can purchase a separate policy through the National Flood Insurance Program.
In addition to floods, Ohio is vulnerable to damage from thunderstorms, tornadoes, and severe winter storms. A standard Ohio home insurance policy will help pay for damages from these events but not from earthquakes, which the state also experiences on occasion. Make sure you know what's covered and how to best protect your home.
Home insurance rates in Ohio
Homeowners insurance premiums in Ohio were around $702.00 in February of 2014 when they decreased from $704 in January. 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
|Feb 2014||Jan 2014||Dec 2013||Nov 2013||Oct 2013|
So how do home insurance rates in Ohio stack up to the nation's average? Rates are determined statewide to reflect risks involved with their location. Ohio residents paid an average of $702 on their home insurance premiums, whereas U.S. citizens on average paid $815.
Ohio home insurance premiums
Home insurance premiums vary based on the individual situation of the homeowner: including location, history, and house type. Listed below are the last five Ohio policies sold by the agents with HomeInsurance.com.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$535†||$530†||$634†||$0†||$2,027†|
|Foundation type||Basement||Slab||Crawl Space||Basement||Basement|
|Lot Size||10,454 Sq Ft||8,712 Sq Ft||N/A||12,720 Sq Ft||148,539 Sq Ft|
|Square Feet||2,178 Sq Ft||2,068 Sq Ft||N/A||1,486 Sq Ft||1,408 Sq Ft|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Gas||Central Electric||Central Gas||Central Electric|
County differences for home insurance premiums
Wonder how premiums in your county compare with the state average? Find your location below and see. You also can look at what's going on in other counties across Ohio.
No matter which way rates or premiums fluctuate, some common ways you can save include:
- Bundling: If you purchase your home and auto insurance policies with the same provider, you could save up to 20% on your monthly premiums.
- New house: The age of your house and its major systems also could qualify you for price breaks if it was built or significantly updated within the last 10 years.
- Fire safety: If you equip your house with a sprinkler system, smoke detectors, and no one in your family smokes, you could earn discounts. Fires are such a threat – payouts for fire claims average more than $33,000 – that you even save on premiums if you live near a fire station or hydrant.
- Security: Houses with antitheft security systems or even deadbolt locks could earn price breaks.
- Claims history: If you haven't filed a claim in the last 10 years, your personal history could save you money on home insurance premiums.
Standard Ohio homeowners insurance coverage
The most important thing about home insurance isn't how much you pay, but rather how it protects you. When shopping, have a general idea of what a typical Ohio home insurance policy covers:
- Dwelling/Other Structures: Buildings on your property, such as your house (dwelling) and detached garages or sheds (Other Structures) are included in this coverage.
- Personal Property: This type of coverage protects the contents of your home. There are limits, however, for high-value items such as furs and jewelry.
- Loss of Use: If a storm or other covered event damages your home so badly that you can't live in it while repairs take place, Loss of Use can help pay hotel and restaurant bills until you're back on track.
- Personal Liability/ Medical Payments: If someone gets injured on your property, these coverage types will help you. If the injured person decides to take you to court, Personal Liability will help you pay the legal fees and final judgment. If the injured person doesn't take you to court, Medical Payments or Ohio MedPay can help you pay his or her hospital bills.
Homeowners insurance resources
Home insurance calculator: Get a rough estimate of how much coverage you'll need to adequately protect your home; simply enter your ZIP code and the square footage into our calculator.
Disaster preparedness guide: You need to know how to prepare your home for disaster. Sometimes it can be easier than you think.
Home insurance discounts: If you're looking for additional ways to save on homeowners insurance, you can find more potential here.
Learn more about home insurance in Ohio
Take it down to the city level by finding your location in the list below: