When it comes to home insurance in Ohio, you'll need a good policy with the right coverage. Whether you're looking for a basic policy or something more suited to your needs, it's important to find a company that offers affordable rates and outstanding service.
Best Homeowners Insurance Companies Ohio
Location, the age of the house and its condition, the deductible amount and whether you select flood, fire, or earthquake coverage are all factors that affect the cost of an homeowners policy. These factors could mean the difference in getting an affordable home insurance quote or one that is too expensive.
Cincinnati Financial provides the cheapest Ohio home insurance, at a price that is typically less than 50% of the state average. Cincinnati Financial offers a variety of policies, tiers and options. This makes it a great choice for those who want a flexible insurance policy that meets their needs.
Cincinnati Financial's rate is very low for older houses, making it a great option for anyone who wants to protect their house at an affordable cost.
The average cost of homeowners insurance in Ohio is $44 per month, or $529 annually. This is almost 56% less than the average for the state. Its customer support is also highly rated with less than 50% of its clients reporting any problems.
MoneyGeek examines thousands insurance quotes from many insurers and determines which one offers the best overall value. We score each insurer based on their affordability, level of customer service, and quality of home insurance quotes.
The cheapest home insurance in Columbus costs an average of $1,050 a year. It's slightly more than the statewide average of $1,399, but it's still much cheaper than some other cities in the state.
You can also save on home insurance by bundling it with your auto policy, which can cut your rates even further. Most companies offer discounts up to 25% for customers who bundle their insurance policies.
Homeowners who replace their roofs can save a significant amount on home insurance. This is because, in the event that a claim is made, a roof that has been replaced will be worth much more.
It is a good idea to purchase home insurance that covers the replacement value of your property. Using the extra coverage will allow you to cover damages that your policy does not cover, such as flooding or wind damage.
You can also choose a relatively small deductible. If you're a homeowner with a low risk, then a $500 deductible may be a better option than a $2000 deductible.
The best homeowners insurance is a difficult choice, but with research and some patience, you can find the plan that works for your budget. Fortunately, MoneyGeek has made it easier than ever to compare rates from the top providers in the country.