Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in Ohio, offering perks for high-value homes.
NJM offers the best coverage for most homes.
Amica is our top-rated company for consumer experience.
Cincinnati Insurance is our best value pick, with premiums below the state average.
USAA is our top choice for military families.
Buckeye State residents can choose from several top-rated insurers to find the best homeowners insurance in Ohio. Whether you’re trying to get coverage for a high-value home or find the most affordable rates, our picks offer something for nearly every homeowner.
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. Even if an insurer serves your state, it may not write policies for all homes in all areas.
The best homeowners insurance in Ohio
BEST COVERAGE FOR HIGH-VALUE HOMES
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Why it’s worth a look: Ohio homeowners insuring a high-value property will find Chubb policies offer a solid value. Insurers usually charge more for extended replacement cost coverage, but Chubb includes it in its standard policy. This means you’ll have a little extra if you have to rebuild your home and the costs exceed your dwelling coverage.
Standout feature: Chubb provides a HomeScan service, which uses infrared technology to detect moisture and other issues within the walls of your home. The service can flag leaks or faulty wiring so you can address the problem before it causes extensive damage.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
Best coverage for most homes
NJM
- Includes coverage other companies charge extra for.
- Very low rate of consumer complaints.
- Many extra coverage options available.
- No app to manage your policy.
Why it’s worth a look: NJM has a wide range of generous coverage options, which means this insurer is likely to be a good fit for many Ohio homeowners. For instance, NJM typically pays above and beyond your dwelling limit to rebuild your home and reimburses for damaged stuff with enough to buy brand-new replacements.
Standout feature: NJM’s standard homeowners policies include things that other insurers charge extra for, such as covering damages when your sump pump overflows. You can also add other coverage that might be helpful to Ohio homeowners, such as fungi or mold removal.
Average rates: Not available.
» READ MORE: NJM homeowners insurance review
best consumer experience
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Why it’s worth a look: Not only does Amica draw very few consumer complaints, according to National Association of Insurance Commissioners data, but the company also has an excellent reputation for customer service and claims processing. Amica consistently ranks in the top three in recent J.D. Power surveys on home insurance claims and customer satisfaction.
Standout feature: Ohio homeowners may be eligible for discounts if their house has burglar or fire alarms or leak detection devices. Those with a new or recently remodeled home may also be able to save with Amica.
Average rates: Not available.
» READ MORE: Amica homeowners insurance review
best value
Cincinnati Insurance
- Various coverage options.
- Far fewer complaints than expected for a company of its size.
- Coverage available for higher-value homes.
- No online quotes.
- Very little information on website.
Why it’s worth a look: Cincinnati Insurance had some of the most affordable rates in Ohio, according to our analysis. As a homeowner you’ll have access to an independent agent as well as a top-rated mobile app that can help you customize your policy and manage your coverage.
Standout feature: Cincinnati Insurance focuses on sustainable operations and takes steps to reduce the fossil fuel emissions of its facilities and vehicles. This insurer also offers a “green upgrade,” which enables you to use eco-friendly materials to rebuild your home after a claim.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $1,020 |
$300,000 | $1,430 |
$400,000 | $1,825 |
$500,000 | $2,190 |
$600,000 | $2,590 |
» READ MORE: Cincinnati homeowners insurance review
Best for military families
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
- Available only to active military members, veterans, some federal employees and their families.
Why it’s worth a look: USAA insures the homes of active-duty military members, veterans, some federal employees and their families. USAA’s deductible-free coverage for uniforms and equipment may be particularly useful to military homeowners.
Standout feature: Ohio homeowners are likely to find the coverage in USAA policies unusually generous. For instance, the insurer reimburses for brand-new items to replace damaged ones and offers up to $5,000 to cover losses from identity theft or fraud.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $1,085 |
$300,000 | $1,405 |
$400,000 | $1,685 |
$500,000 | $1,965 |
$600,000 | $2,215 |
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | |
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in Ohio
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$2,180 | ||
$2,050 | ||
Not available |
How much does homeowners insurance cost in Ohio?
The average cost of homeowners insurance in Ohio is $2,080 per year, or about $173 per month. That's 16% less expensive than the national average of $2,490 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $400,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Use our calculator to estimate your home's rebuilding cost.
The median rebuilding cost for Ohio homes is $385,577, according to data from First Street, a climate risk modeling firm.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $1,330 |
$300,000 | $1,600 |
$400,000 | $2,080 |
$500,000 | $2,495 |
$600,000 | $2,955 |
The rates above are for homeowners with good credit. In Ohio, policyholders with poor credit pay an average of $4,305 per year — more than twice as much.
Average cost of homeowners insurance in Ohio by city
The amount you pay will vary depending on where you live in the state. For example, the average cost of homeowners insurance in Cleveland is $2,180 per year, while Lorain homeowners pay $1,880 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Akron | $1,945 | $162 |
Canton | $2,150 | $179 |
Cincinnati | $2,085 | $174 |
Cleveland | $2,180 | $182 |
Columbus | $2,065 | $172 |
Cuyahoga Falls | $1,850 | $154 |
Dayton | $2,235 | $186 |
Delaware | $1,840 | $153 |
Dublin | $1,920 | $160 |
Elyria | $1,865 | $155 |
Euclid | $2,155 | $180 |
Fairfield | $2,130 | $178 |
Grove City | $2,165 | $180 |
Hamilton | $2,055 | $171 |
Lakewood | $2,195 | $183 |
Lorain | $1,880 | $157 |
Mansfield | $2,055 | $171 |
Mentor | $1,790 | $149 |
Middletown | $2,080 | $173 |
Newark | $2,055 | $171 |
Reynoldsburg | $1,940 | $162 |
Springfield | $1,990 | $166 |
Strongsville | $2,055 | $171 |
Toledo | $2,070 | $173 |
Youngstown | $2,090 | $174 |
The cheapest home insurance in Ohio
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
$875
Ohio Mutual
Not rated
$950
$1,020
$1,080
$1,085
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Ohio Mutual
Not rated
$1,240
$1,415
$1,430
Western Reserve
Not rated
$1,455
$1,405
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Ohio Mutual
Not rated
$1,520
Western Reserve
Not rated
$1,815
$1,825
$1,870
$1,685
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Ohio Mutual
Not rated
$1,800
$2,190
Western Reserve
Not rated
$2,200
$2,320
$1,965
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Ohio Mutual
Not rated
$2,080
$2,590
$2,740
$2,810
$2,215
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Cheap homeowners insurance in Ohio by claims history
Here are the cheapest home insurance companies in Ohio for homeowners who've filed a recent claim.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Ohio Mutual | Not rated | $1,610 |
$2,055 | ||
$2,135 | ||
Western Reserve | Not rated | $2,185 |
$1,860 | ||
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | ||
These rates are based on a sample homeowner with good credit, $400,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Cheap homeowners insurance in Ohio by credit score
Here are the cheapest home insurance companies in Ohio for homeowners with poor credit. Read more about how your credit scores impact home insurance rates.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Ohio Mutual | Not rated | $2,700 |
Western Reserve | Not rated | $3,000 |
$3,095 | ||
$3,315 | ||
$2,985 | ||
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | ||
These rates are based on a sample home insurance policy with $400,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Common Ohio home insurance problems
Some events are more likely to happen in certain regions. These are the ones Ohio homeowners should consider when shopping for insurance coverage.
Flooding. Floods are the state’s most frequent natural disaster, according to the Ohio Emergency Management Agency. Unfortunately, homeowners insurance doesn’t cover floods. Instead, you’ll need to shop for coverage from the National Flood Insurance Program or private flood insurance companies.
To check your flood risk, start with the federal government’s flood maps. However, these maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
Winter weather. Ohio homeowners can count on home insurance to help pay for most kinds of damage that might happen during a winter storm. Be warned, though, that water damage from melting snow is usually covered only by flood insurance.
Severe thunderstorms. Ohio experiences its share of summer storms that can bring high winds, heavy rain and hail. Ohio’s Emergency Management Agency estimates that thunderstorms and high winds cause over $21 million in annual damages in the state. Most homeowners policies cover damage from both wind and hail, but you’ll need flood insurance to address the risk of flooding from rainfall.
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
Ohio FAIR Plan
The Ohio FAIR Plan has been the state’s insurer of last resort since 1968. To apply for a policy, you’ll need to prove you’ve been denied coverage by at least two private insurers.
The Ohio FAIR Plan offers coverage for owner-occupied homes with personal liability limits up to $300,000. The maximum limit for all coverage types combined is generally $1.5 million.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.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, file a complaint against your carrier or access a toolkit to help you prepare for severe weather. For help, call the agency toll-free at 800-686-1526.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See 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 live in a high-risk area.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Ohio Emergency Management Agency. State of Ohio 2019 Mitigation Plan: 2.01 Risk Analysis Overview. Accessed Mar 12, 2026.
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 ZIP codes across all 50 states and Washington, D.C. 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:
$400,000 in dwelling coverage.
$40,000 in other structures coverage.
$200,000 in personal property coverage.
$80,000 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.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
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.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
