The best homeowners insurance Ohio homeowners can buy writes the state's older housing in Cleveland, Columbus, Cincinnati and the smaller cities on replacement cost, settles the wind and hail roof claim fairly, and covers the water backup that follows a spring storm. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
What the best carrier for a Ohio house has to do
Replacement cost on the roof, water and sewer backup as a standard endorsement, fair underwriting of older houses after inspection, and pricing from Ohio experience rather than a Midwest blanket. Ohio's regional carriers write a large share of the state alongside the nationals, and both file rates shown on this site.
The Ohio perils and how the good carriers handle them
Wind and hail, tornadoes in the west, freeze and burst pipes, ice damming, lake-effect snow in the northeast, and river flooding along the Ohio and its tributaries, which is never in the homeowners policy. FEMA's FloodSmart notes that almost one-third of NFIP flood claims come from outside high-risk flood areas, and a standard homeowners or renters policy does not cover flood at all.
How to judge them for your house
Check the complaint ratio at the Ohio Department of Insurance, the financial strength rating and the filed rates on this site for your county; quote three carriers on the same dwelling limit and deductible.
Questions people ask about best homeowners insurance ohio
Who has the best homeowners insurance in Ohio?
This site publishes no ranking. Judge the complaint ratio at the Ohio insurance department, financial strength, the filed rates for your situation on this site and the settlement terms on the declarations page.
What should a Ohio homeowners policy include?
A dwelling limit at rebuild cost, replacement cost on the roof and contents, the deductibles named above set where you can meet them, and water backup where the house needs it.
Is flood included?
No. Flood is a separate policy, and FEMA notes that almost one-third of NFIP flood claims come from outside high-risk areas.