Updated: December 13, 2024
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In Columbus, 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 HomeInsuranceColumbus, OHTable of Contents
Why Trust MoneyGeek? We used information from Ohio's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Columbus.
Home insurance quotes in Columbus represent the most competitive rates as of September 2024.
Auto-Owners is the best home insurance option for $100K dwelling coverage in Columbus, OH, with a MoneyGeek score of 99 out of 100.
Home insurance companies in Columbus 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 | $728 |
| American Family | 90 | $932 |
| State Farm | 89 | $872 |
| Nationwide | 79 | $928 |
| Farmers | 74 | $1,068 |
| Allstate | 62 | $1,336 |
| Travelers | 44 | $2,772 |
Auto-Owners is the best home insurance company in Columbus, OH, for $100K dwelling coverage due to its high affordability and customer satisfaction scores. The overall top providers are:
While cost is important, factors like customer service and coverage options matter when making claims.
Auto-Owners scores high in affordability and coverage, making it a top choice for home insurance. You can save with discounts like new home (for properties 10 years old or less) and home renovation.
It offers valuable coverages like guaranteed replacement cost, which fully covers your home even if your limit is too low. Building ordinance or law coverage pays for bringing your home up to current codes after a loss. The cash settlement option allows you to receive a payout if you choose not to rebuild.
Auto-Owners offers the best customer service in home insurance for $100K dwelling coverage in Columbus, OH. The top providers in this category are:
Auto-Owners stands out for its exceptional customer satisfaction and comprehensive coverage, contributing significantly to its high MoneyGeek score.
Excellent service in home insurance means meeting customer needs with efficient claims processing and responsive support.
Auto-Owners is best for service quality, thanks to its high customer satisfaction and coverage scores. 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.
You can save with discounts like responsible payment, which rewards timely premium payments, and paperless billing.
Auto-Owners is the best cheap home insurance company for $100K dwelling coverage in Columbus, 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, opting for low-priced home insurance often means getting lower coverage, which might not be enough if an accident happens.
The best cheap home insurance focuses on good value, not just the lowest cost.
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 by enrolling in online billing.
The company offers valuable coverages, including equipment breakdown for home appliances and systems. 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 Columbus, several factors, including location, influence homeowners insurance. Comparing rates is key to saving money, but it may take over an hour, with each company review lasting 15 minutes. MoneyGeek’s home insurance calculator helps you save time by focusing on important factors. Provide your age, dwelling coverage, credit score, deductible and other details for an estimate.
Auto-Owners offers the lowest home insurance rates in Columbus, OH. A critical factor influencing home insurance costs is the dwelling coverage you choose. Here are the cheapest rates for various coverage levels:
Getting the cheapest homeowners insurance in Ohio from companies like Auto-Owners can help you manage your budget effectively.
| Auto-Owners Insurance | $728 |
| State Farm | $872 |
| Nationwide | $928 |
| American Family | $932 |
| Farmers | $1,068 |
| Allstate | $1,336 |
| Travelers | $2,772 |
Auto-Owners is the cheapest option for insuring high-value homes in Columbus, 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 | $2,364 |
| American Family | $2,827 |
| State Farm | $3,608 |
| Farmers | $4,196 |
| Allstate | $4,457 |
| Nationwide | $4,482 |
| Travelers | $8,581 |
Nationwide has the cheapest insurance for new homes in Columbus, OH.
While Nationwide is the best in terms of price, other providers might be better based on other criteria. Ensure you're adequately covered when selecting a policy.
| Nationwide | $410 |
| State Farm | $523 |
| Auto-Owners Insurance | $623 |
| American Family | $648 |
| Farmers | $770 |
| Allstate | $888 |
| Travelers | $1,118 |
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 determine how much home insurance coverage you need, assess your rebuilding costs, personal property value and liability requirements.
Rsearch insurance companies in Columbus, OH. Choose those with solid financial stability, positive customer feedback and a strong service record.
Once you identify necessary coverages, compare home insurance quotes. In Columbus, OH, average annual premiums for $100K coverage range from $728 to $2,772.
Inquire with each provider about discounts, such as those for bundling, installing safety devices or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium. Ensure you can comfortably pay it if needed.
Enhancing home security with systems and sturdy locks can lower your home's risk profile and potentially decrease insurance premiums.
Keeping a good credit score can influence your insurance rates. Pay bills promptly and manage debt effectively.
Consider combining your homeowners insurance with other policies like auto insurance to receive discounts and save money.
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 Columbus, OH.
The average annual cost of home insurance in Columbus, Ohio, is $978.
Auto-Owners offers the cheapest home insurance in Columbus, Ohio, with an average annual premium of $728.
Auto-Owners provides Columbus residents with 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.
