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The Best Home Insurance in Ohio for 2025

Chubb, NJM and USAA are among the best home insurance companies in Ohio.
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Sep 12, 2025
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Key takeaways

  • Chubb, NJM and USAA received the highest ratings in our analysis of home insurers in Ohio.

  • Cincinnati Insurance is the best cheap insurer in Ohio, with a star rating of 4.7 and an average annual premium of $1,485.

Chubb, NJM and USAA are among the best homeowners insurance companies in Ohio, according to our analysis.

To help you find the best home insurance in Ohio, we gathered and analyzed data from insurance companies around the state. These are are the insurers that earned 4.6 stars or higher in our analysis.

Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Company

NerdWallet star rating

Average annual rate

Chubb

Not available

NJM

Not available

Amica

Not available

Cincinnati Insurance

$1,485

State Farm

$1,645

Erie

$2,470

USAA*

$1,330

*USAA homeowners policies are available only to active military, veterans and their families.

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The best homeowners insurance in Ohio

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb Home Insurance

Chubb

Perks and comprehensive coverage for high-value homes.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Far fewer than expected

Chubb caters to affluent homeowners, offering coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders may be eligible for the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

NJM Home Insurance

NJM

Offers comprehensive strong coverage in the five states it serves.
Coverage More than average
Discounts Average set of discounts
NAIC complaints Far fewer than expected

NJM offers standard coverage that many other companies charge extra for. For example, NJM will pay the full cost to rebuild your home even if it’s more than your dwelling limit. (Not all companies offer this, and even fewer include it with standard policies.) It will also pay enough for you to buy brand-new replacements for your belongings if they’re stolen or destroyed.

On top of its robust coverage options, NJM stands out for customer service. It draws a very low rate of consumer complaints, according to the National Association of Insurance Commissioners. This suggests NJM’s customers are happy with the service they receive.

Amica Home Insurance

Amica

Well-established insurer known for great customer service.
Coverage About average
Discounts Great set of discounts
NAIC complaints Far fewer than expected

Amica shines when it comes to customer service. It draws a very low rate of complaints compared to other insurers, according to the NAIC. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

Cincinnati Home Insurance

Cincinnati Insurance

Sells homeowners policies through local independent agents across the U.S.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Far fewer than expected

If you want to support companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

State Farm Homeowners Insurance

State Farm

Well-established insurer with local agents and a long list of coverage options.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Close to expected

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

Erie Home Insurance

Erie

Best for homeowners in parts of the Mid-Atlantic, Southeast or Midwest who want strong coverage and are willing to work with an agent.
Coverage More than average
Discounts Very few discounts
NAIC complaints Fewer than expected

Erie stands out by including guaranteed replacement cost coverage for the structure of your home in most of the states it covers. With this coverage, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit. Many insurers don’t offer this at all, even as an option.

If you bundle your home and auto insurance with Erie, you could get a discount of 15% or more. You may also be able to save on your premium if your home has safety and security features such as smoke alarms or sprinkler systems.

USAA Home Insurance

USAA

Offers perks and generous coverage for the military community.
Coverage More than average
Discounts Average set of discounts
NAIC complaints Fewer than expected

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

How much does homeowners insurance cost in Ohio?

The average annual cost of home insurance in Ohio is $1,590. That’s 25% less than the national average of $2,110.

In most U.S. states, including Ohio, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score. 

In Ohio, those with poor credit pay an average of $3,010 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s nearly twice as much as those with good credit.

Average cost of homeowners insurance in Ohio by city

How much you pay for home insurance in Ohio may vary slightly depending on where you live. For example, the average cost of homeowners insurance in Cincinnati is $1,555 per year. In Cleveland, homeowners insurance costs about $1,645 per year, on average. 

City

Average annual rate

Average monthly rate

Akron

$1,440

$120

Canton

$1,405

$117

Cincinnati

$1,555

$130

Cleveland

$1,645

$137

Columbus

$1,610

$134

Dayton

$1,645

$137

Dublin

$1,440

$120

Elyria

$1,455

$121

Grove City

$1,630

$136

Hamilton

$1,645

$137

Hilliard

$1,525

$127

Lancaster

$1,590

$133

Lima

$1,645

$137

Lorain

$1,465

$122

Mansfield

$1,500

$125

Massillon

$1,340

$112

Medina

$1,365

$114

Mentor

$1,325

$110

Middletown

$1,615

$135

Newark

$1,450

$121

Springfield

$1,550

$129

Toledo

$1,645

$137

Warren

$1,550

$129

Westerville

$1,410

$118

Youngstown

$1,590

$133

The cheapest home insurance in Ohio

Here are the insurers we found with average annual rates below the Ohio average of $1,590.

Company

NerdWallet star rating

Average annual rate

Buckeye

Not rated

$795

Ohio Mutual

Not rated

$1,120

Hastings Mutual

Not rated

$1,230

Travelers

$1,245

Auto-Owners

$1,425

Allstate

$1,455

Frankenmuth

$1,465

Cincinnati Insurance

$1,485

USAA*

$1,330

*USAA homeowners policies are available only to active military, veterans and their families.

Common risks for Ohio homeowners

Here are a few common risks you should consider when buying home insurance in Ohio.

Flooding

Floods can cause a lot of damage, and home insurance usually doesn’t cover it. Instead, you’ll need separate flood insurance. While your mortgage lender may require you to buy flood insurance if your home is in a high-risk area, even homes in lower-risk areas can see flooding.

🤓Nerdy Tip

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

While you can buy flood coverage anytime, there is typically a 30-day waiting period before the insurance takes effect.

Winter weather

Home insurance usually covers damage caused by winter weather, such as burst pipes or heavy snow. However, your policy won’t cover everything. For instance, if your home is damaged by flooding from snow melt, your home insurance likely won't cover it. You'll need separate flood insurance for that. Or if a tree falls on your home during a storm, your insurer may pay to fix your home and remove the tree but won't cover replacing it. Contact your agent if you’re unsure about your coverage.

Ohio insurance department

In Ohio, the Department of Insurance oversees the insurance industry. It’s where you can learn more about insurance regulations in the state or file a complaint against your insurance company. For direct assistance, you can call the agency toll-free at 800-686-1526.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

  • More than 270 million homeowners insurance rates.

  • More than 100 insurance companies.

  • Nearly 200 homeowner profiles.

View our complete homeowners insurance rating methodology.

Frequently asked questions

Ohio doesn't legally require homeowners to carry home insurance, but your mortgage lender may require you to buy it. For more information, read Is Homeowners Insurance Required?

Here are three ways to save money on homeowners insurance in Ohio:

  • Shop around to make sure you’re getting the best rate.

  • Choose a higher home insurance deductible. (A deductible is the amount of a claim you’re responsible for.) In case of any claims, you’ll pay more out of pocket, but your annual rates will be lower.

  • Bundle your home and auto insurance for an overall lower rate. Learn more about home insurance discounts.

Standard homeowners insurance policies typically don’t cover flooding. That means you may want to buy separate flood insurance if you’re in a high-risk area.


Star rating methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.

Here’s how we weighted each category to come up with our list of the best home insurance companies:

  • Consumer experience (40%).

  • Financial strength (30%).

  • Coverage (25%).

  • Discounts (5%).

Read our full home insurance ratings methodology for more details.

Homeowners insurance rates methodology

NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. All rates are rounded to the nearest $5.

Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 in loss of use coverage.

  • $300,000 in liability coverage.

  • $1,000 in medical payments coverage.

We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.

In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Complaint methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.

NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.