Ohio homeowners · Free · No obligation
Compare home insurance quotes in Ohio
Answer a few quick questions and get matched with insurance providers that cover your part of Ohio, from Toledo to Cincinnati. Shopping around is the simplest way to stop overpaying.
- Takes about 60 seconds
- Homeowners, condo and renters coverage
- Bundle home and auto to save more
How it works
- Tell us about your home. Coverage type and ZIP code are enough to start.
- Get matched. We connect you with providers that write policies in your area.
- Compare and choose. Review prices and coverage side by side. Buy only if it's right for you.
7 ways to lower your Ohio home insurance
Compare at renewal
Rates change every year. Getting fresh quotes before your renewal date is the easiest saving.
Bundle home and auto
Most insurers discount both policies when you buy them together.
Raise your deductible
Moving from $500 to $1,000 or more can lower your premium. Make sure you could cover it.
Mind your roof
A newer or impact-resistant roof can qualify for lower rates, which matters with Ohio hail and wind.
Add protective devices
Monitored alarms, smoke detectors and water-leak sensors often earn discounts.
Insure the rebuild cost
Cover what it costs to rebuild, not the market price of the house and land.
Ask about every discount
Claims-free, new-home, loyalty, paperless and pay-in-full discounts add up.
Ohio home insurance guides
Ohio home insurance FAQ
How much is home insurance in Ohio?
Ohio is generally one of the less expensive states for homeowners insurance, but your price depends on your home's age, rebuild cost, roof condition, ZIP code, claims history, credit-based insurance score and deductible. Comparing several quotes is the most reliable way to find your price.
What does a standard Ohio homeowners policy cover?
Most policies cover the house (dwelling), other structures, personal belongings, liability and extra living expenses if you can't live at home after a covered loss. Floods and earthquakes usually need separate policies.
Do I need flood insurance in Ohio?
Standard home policies don't cover flooding. If you live near the Ohio River, Lake Erie, the Maumee or another waterway, ask about a separate flood policy, even if your lender doesn't require one.
Does comparing quotes affect my credit?
Insurers typically use a soft inquiry to check a credit-based insurance score, which does not affect your credit score.
Is this service free?
Yes. There is no cost and no obligation to buy.
Contact us
Have a question about coverage, or want someone to help you compare Ohio home insurance quotes? Send us your details and we'll get back to you.