Updated: November 27, 2024
Advertising & Editorial Disclosure
In Cleveland, Ohio, Auto-Owners is the overall best and cheapest choice for home insurance. It is also the best if customer service is your priority.
Choosing the best inexpensive home insurance depends on what you value, such as costs or how a company helps when you have questions or problems.
Best HomeInsuranceCleveland, OHTable of Contents
Why Trust MoneyGeek? We used data from the Ohio Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Cleveland, ensuring our advice is reliable.
Home insurance rates in Cleveland, Ohio, represent the most competitive quotes as of September 2024.
MoneyGeek found that Auto-Owners is the best option in Cleveland, OH, for 100K dwelling coverage, with a MoneyGeek score of 99 out of 100.
The scores for home insurance companies in Cleveland range from 44 to 99. These figures are based on MoneyGeek's scoring system, and insurers may have different scores depending on your credit history and the age of your home.
| Auto-Owners Insurance | 99 | $706 |
| State Farm | 89 | $872 |
| American Family | 87 | $1,136 |
| Nationwide | 80 | $922 |
| Farmers | 78 | $861 |
| Allstate | 68 | $1,038 |
| Travelers | 44 | $3,129 |
MoneyGeek found that Auto-Owners is the best option for $100K dwelling coverage in Cleveland, OH. The two best overall home insurance companies in Cleveland for $100K dwelling coverage are:
Auto-Owners stands out as the best home insurance provider due to its high customer satisfaction and affordability.
In Cleveland, OH, you will find various companies offering different costs and services. While cost is an important factor, it is also essential to consider customer satisfaction and coverage options, especially when filing claims.
Auto-Owners scores high in affordability and customer satisfaction, making it a top choice. Discounts like responsible payment and paperless billing help policyholders save. Paying premiums on time or opting for online billing can qualify homeowners for these savings.
Auto-Owners provides useful coverages like guaranteed replacement cost, which ensures full home replacement if coverage limits are too low. Personal property replacement cost covers damage from appliance leaks and more. Equipment breakdown coverage protects against failures of home systems like air conditioners and computers.
MoneyGeek found that Auto-Owners offers the best customer service in home insurance in Cleveland, OH, for 100K dwelling coverage. Here are the top providers for this coverage level:
Auto-Owners Insurance earns its top spot for its excellent service, affordable premiums and overall coverage options. Excellent service in home insurance includes prompt claim processing, plentiful coverage options, and responsive customer support.
Auto-Owners is the best for service quality, thanks to its high customer satisfaction and coverage scores. You can save with discounts like responsible payment and paperless. Paying on time for 36 months can qualify you for a responsible payment discount.
Auto-Owners provides useful coverages like guaranteed replacement cost, which ensures your home is fully covered if your limit is too low. Scheduled personal property covers personal items against loss or damage. Personal property replacement cost protects against damage from appliance leaks.
MoneyGeek found that Auto-Owners is the best cheap home insurance option in Cleveland, OH, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
Auto-Owners stands out due to its high customer satisfaction and affordability. However, opting for cheap home insurance often means choosing lower coverage, which can save money but might not fully protect you if an accident happens. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
What sets the best cheap home insurance apart from the cheapest is its value for money, balancing cost with the coverage that meets a homeowner's needs without being expensive.
Auto-Owners Insurance is the best cheap company with high scores in affordability and satisfaction. It offers guaranteed replacement cost and equipment breakdown coverages. Discounts like responsible payment and paperless help save money.
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
Many factors, like location, influence homeowners insurance in Cleveland. Comparing rates is the best way to save, but it can take up to 15 minutes per company, leading to over an hour of research for three or more. Use MoneyGeek's home insurance calculator for instant savings by focusing on essential factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and a few other details to get a rate estimate.
Auto-Owners is the top choice for cheap home insurance in Cleveland, OH. The following companies offer the lowest annual premiums in their respective dwelling coverage categories:
Auto-Owners offers the best rate due to its low cost and high score of 99. It is also the best-rated provider. Choosing the right amount of dwelling coverage is essential as it significantly affects the insurance premium.
Securing the cheapest homeowners insurance in Ohio can be a smart strategy to handle personal finances better.
| Auto-Owners Insurance | $706 |
| Farmers | $861 |
| State Farm | $872 |
| Nationwide | $922 |
| Allstate | $1,038 |
| American Family | $1,136 |
| Travelers | $3,129 |
Auto-Owners Insurance is the top pick for affordable home insurance for high-value homes in Cleveland, Ohio. High dwelling coverage is necessary for homes that cost more to replace, and home insurance costs go up based on these factors.
Auto-Owners Insurance stands out as the most affordable homeowners insurance in Cleveland. According to MoneyGeek, it has a high affordability score compared to others, yet it is among the top based on overall quality. This balance makes it a strong choice for budget-conscious homeowners.
| Auto-Owners Insurance | $2,598 |
| State Farm | $3,610 |
| Farmers | $3,644 |
| Allstate | $3,720 |
| American Family | $3,782 |
| Nationwide | $4,474 |
| Travelers | $10,106 |
Nationwide is the cheapest company in Cleveland, Ohio, for new homes when it comes to home insurance coverage of $100K.
Nationwide offers the lowest cost for homeowners insurance for new homes in Cleveland, Ohio, making it the top choice for budget-conscious buyers. Though it is the cheapest, it may not be the best on other factors, so consider the full picture when choosing insurance.
Remember, while cost matters, being adequately covered is also important.
| Nationwide | $405 |
| State Farm | $523 |
| Auto-Owners Insurance | $576 |
| Farmers | $616 |
| Allstate | $693 |
| American Family | $750 |
| Travelers | $1,324 |
Securing the best cheap homeowners insurance is about finding a provider that delivers excellent customer service and comprehensive coverage at an affordable rate. Providers that achieve this balance offer peace of mind without breaking the bank, ensuring you are well protected from various risks to your home.
To guide you through the process, we outlined key factors to consider when seeking the best and most affordable homeowners insurance for your home.
Determine how much home insurance coverage you need by considering the specifics of your home in Cleveland, OH. Factor in rebuilding costs, personal property value and liability coverage.
Research insurance companies in Cleveland, OH. Look for those with strong financial stability, positive customer reviews and a history of quality service.
Once you know what coverages you need, compare home insurance quotes. For a $100K dwelling in Cleveland, OH, premiums range from $706 with Auto-Owners Insurance to $1,136 with Allstate annually.
Inquire with each provider about potential discounts, such as those for bundling policies, installing safety features or maintaining a claims-free history.
Opting for a higher home insurance deductible can lower your premium. Ensure the deductible is an amount you can afford in case of a claim.
Enhancing your home's security with systems and strong locks can decrease its risk profile and potentially reduce insurance costs.
Keep a good credit score as it can affect your insurance rates in Cleveland, OH. Pay bills on time and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies like auto insurance to receive discounts and save money.
The best cheap home insurance provider for you in Cleveland ultimately depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Cleveland, Ohio.
The average home insurance cost in Cleveland, Ohio, is $921.
Auto-Owners Insurance offers the cheapest home insurance in Cleveland, Ohio, with an annual premium of $706.
The best home insurance in Ohio for Cleveland residents is provided by Auto-Owners Insurance, 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.
