Updated: December 13, 2024
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In Cincinnati, Ohio, Auto-Owners is the best and cheapest home insurance company overall. It's also the top option for excellent customer service.
Choosing the best cheap home insurance depends on your needs and preferences, such as affordability, customer service and coverage options.
Best HomeInsuranceCincinnati, OHTable of Contents
Why Trust MoneyGeek? We used data from Ohio's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Cincinnati.
In Cincinnati, home insurance rates represent the most competitive estimates as of September 2024.
Auto-Owners is the best home insurance option for $100K dwelling coverage in Cincinnati, OH, with a MoneyGeek score of 99 out of 100.
Home insurance companies in Cincinnati have scores ranging from 44 to 99, according to MoneyGeek's scoring system. Scores vary based on factors like credit history and home age.
| Auto-Owners Insurance | 99 | $723 |
| State Farm | 89 | $872 |
| American Family | 88 | $1,090 |
| Nationwide | 79 | $944 |
| Farmers | 72 | $1,243 |
| Allstate | 69 | $982 |
| Travelers | 44 | $3,062 |
Auto-Owners is the best home insurance company in Cincinnati, OH, for $100K dwelling coverage due to its high affordability and customer satisfaction scores. The overall top providers are:
Cost is crucial, but consider other factors like customer service, which matter when making claims.
Auto-Owners scores high for affordability and customer satisfaction, making it a top choice for home insurance. Discounts like responsible payment and paperless billing can reduce costs. Paying premiums on time or choosing online billing options qualifies you for these savings.
It offers valuable coverages like guaranteed replacement cost, which fully covers your home even if your limit is too low. Scheduled personal property provides extra protection for valuables, while personal property replacement cost adds coverage for appliance leaks and similar incidents.
Auto-Owners offers the best customer service in home insurance for $100K dwelling coverage in Cincinnati, OH. The top providers in this category are:
Auto-Owners stands out for its high customer satisfaction score and competitive pricing. Customers appreciate the easy claims process and helpful customer service.
Excellent service in home insurance means meeting customer needs quickly and efficiently.
Auto-Owners is best for service quality, thanks to its high customer satisfaction score. You can save with discounts like responsible payment, which rewards timely premium payments, and paperless billing.
Key coverages include guaranteed replacement cost, which covers repair costs exceeding your policy limit, and scheduled personal property, which protects valuable items from loss or damage. Equipment breakdown coverage helps with repairs or replacements for failed home appliances.
Auto-Owners is the best cheap home insurance company for $100K dwelling coverage in Cincinnati, OH, due to its high affordability and customer satisfaction scores. The top budget-friendly providers for this coverage amount are:
If saving on premiums is a priority, exploring the cheapest homeowner insurance companies can help. However, choosing low-priced home insurance often means lower coverage, which might not be enough if an accident happens.
The best cheap home insurance balances cost and decent coverage, unlike the most affordable options that focus solely on low premiums.
Auto-Owners is the best cheap home insurance company, scoring high in affordability and customer satisfaction. You can save with discounts like responsible payment, which rewards 36 months of on-time payments, and paperless billing.
The company offers valuable coverages, including equipment breakdown for home appliances and systems. Building ordinance or law coverage assists with expenses if local regulations require home upgrades. Personal property replacement cost protects against damage from leaks and similar incidents.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
In Cincinnati, many factors, including location, affect homeowners insurance. Comparing insurance rates is key to saving money, though it's time-consuming — up to 15 minutes per company or over an hour for three or more. MoneyGeek's home insurance calculator helps you save time by focusing on crucial factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and other details for a quick estimate.
Auto-Owners offers the lowest home insurance rates in Cincinnati, OH. Home insurance costs primarily depend on the dwelling coverage you choose. Here are the cheapest rates for various coverage levels:
Purchasing the cheapest homeowners insurance in Ohio from companies like Auto-Owners can help you manage your budget effectively.
| Auto-Owners Insurance | $723 |
| State Farm | $872 |
| Nationwide | $944 |
| Allstate | $982 |
| American Family | $1,090 |
| Farmers | $1,243 |
| Travelers | $3,062 |
Auto-Owners is the cheapest option for insuring high-value homes in Cincinnati, OH. Homes that cost more to replace need high dwelling coverage, which increases home insurance costs.
Auto-Owners has the best rates for $750K coverage, while American Family is the most affordable for $1M coverage.
| Auto-Owners Insurance | $2,607 |
| American Family | $3,282 |
| Allstate | $3,348 |
| State Farm | $3,606 |
| Nationwide | $4,614 |
| Farmers | $4,808 |
| Travelers | $9,583 |
Nationwide has the cheapest insurance for new homes in Cincinnati, OH.
Nationwide offers competitive pricing, though it's not the top-rated company based on MoneyGeek's overall ranking. Ensure you're adequately covered when selecting a policy.
| Nationwide | $402 |
| State Farm | $523 |
| Auto-Owners Insurance | $593 |
| Allstate | $642 |
| American Family | $736 |
| Farmers | $896 |
| Travelers | $1,230 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage at affordable premiums. The best option for you depends on your needs. Consider factors like coverage, customer service and deductibles.
Follow these steps to find the best cheap home insurance:
To understand how much home insurance coverage you need, consider your rebuilding costs, the value of your belongings and your liability needs.
Look into insurance companies in Cincinnati, OH. Focus on those with strong financial health, positive customer feedback and a history of reliable service.
After determining necessary coverages, compare home insurance quotes. In Cincinnati, OH, average annual premiums for $100K dwelling coverage range from $723 to $3,062.
Inquire with each provider about discounts, such as for bundling policies, installing security systems or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can manage if a claim arises.
Adding security systems and strong locks can lower your home's risk profile, potentially decreasing insurance costs.
Keeping a good credit score can impact your insurance rates. Pay bills on time and reduce any outstanding debts.
Consider combining your homeowners insurance with other policies like auto insurance to get considerable discounts and savings.
The best cheap home insurance provider depends on your coverage needs and budget. Get answers to common questions about the best affordable insurance rates in Cincinnati, OH.
The average annual cost of home insurance in Cincinnati, Ohio, is $971.
The cheapest home insurance company in Cincinnati, Ohio, is Auto-Owners, with an average annual premium of $723.
Auto-Owners offers Cincinnati residents the best home insurance in Ohio, with a MoneyGeek score of 99 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
