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Home > Home Insurance Rates > Ohio

Ohio Home Insurance - What's Happening

All the pieces are in place for favorable insurance conditions in Ohio. Homeowners insurance rates are set statewide and provide a baseline. Actual Ohio home insurance quotes start there but then reflect characteristics about you and your home related to risk. But whether you're in Cincinnati or Cleveland, or anywhere in between, Ohio has a lot going for it when it comes to home insurance carriers.

The national average premium for homeowners insurance is more than $100 higher than it is in Ohio. Home insurance quotes can fluctuate, depending upon factors such as the size and age of your home. But with a few safety features and low average structure cost, Ohio finds itself in select company.

Talk to a HomeInsurance.com expert to learn more about getting insurance in Ohio. You can qualify for discounts, for example, by adding smoke detectors and burglar alarms.

Help is a phone call away. Or enter your ZIP code above to start the process of getting a quote. It's a free – you've got nothing to lose.

Curious about car insurance? Click here to learn more about auto insurance in Ohio.


Ohio Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from HomeInsurance.com customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


A

Home Grade

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B

Property Grade

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A

Bonus Grade

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B

Overall Grade

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Home (Grades related to the house itself)

Homes in Ohio check in with fewer square feet and lower replacement costs than expected nationwide. Homeowners are ahead of the curve in the state when it comes to preventive tools, such as sump pumps, despite Ohio’s average home age, which is among the highest in the nation.

C

Average year built

Ohio homes average 50 years old. Houses that old are subject to electric and heating systems issues, among other concerns. The home might need upgrades to meet inspection measures.

A

Average home size

Older homes are often larger than newer models, but in Ohio, the average size is below the national norm. Fewer square feet can help lower premiums.

A

Average replacement cost

It costs about $15,000 less to replace a home in Ohio than the rest of the country. Lower replacement cost can translate to lower premium cost.

A

% of homes with sump pump

This tool can help protect your basement from flooding. A quarter of Ohioans have one in their home, 10 points higher than the national average.

Property (Factors related to the property and location)

Just as home replacement cost is lower than average, so too is the average structure cost of items on homeowners’ properties in Ohio. These structures can include fences, detached garages, or sheds. And in your state, they average about $5,000 less than they do nationwide.

What about homeowners who store all-terrain vehicles and snowmobiles on their property? They can also present a higher liability than those who don't. In Ohio, the average (1.4%) is nearly twice the percentage of the rest of the nation (0.8%).

Bonus (Other factors that influence your home insurance premiums)

B

% of homes with fire extinguishers

The Federal Emergency Management Agency estimates house fires happen every 10 seconds in the U.S. In Ohio, 90% of homes have fire extinguishers, consistent with national averages.

B

% of homes with dead bolt locks on exterior doors

They're easy to install, can thwart burglary attempts before they happens, and 96% of Ohio homes have them.

A

% of homes with smoke detectors

They're an easy discount candidate for home insurance quotes. They're also lifesavers that nearly every Ohio home (99%) has installed.

A

% of homes with security alarms

Homes without security systems can become easy targets for thieves. Nearly 20% of homes in Ohio have security alarms, on par with national numbers.

Overall Grade - B (little risky business)

Homes are a bit older than the national average in Ohio. But home insurance quotes can reflect favorable square-footage and low replacement costs in the state.

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