The Best Home Insurance in Ohio for 2025

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.

» MORE: The best home insurance companies

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 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.

» READ MORE: Chubb homeowners insurance review

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.

» READ MORE: NJM homeowners insurance review

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.

» READ MORE: Amica homeowners insurance review

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.

» READ MORE: Cincinnati homeowners insurance review

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.

» READ MORE: State Farm homeowners insurance review

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.

» READ MORE: Erie homeowners insurance review

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.

» READ MORE: USAA homeowners insurance review

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.

» MORE: Does your credit score affect home insurance rates?

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. 

» MORE: What’s the average cost of homeowners insurance?

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

» MORE: The cheapest homeowners insurance

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.

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

» MORE: How to choose the best flood insurance

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.

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:

View our complete homeowners insurance rating methodology.