Best Homeowners Insurance in Ohio

The best home insurance companies in Ohio are American Family, State Farm, Nationwide, Farmers, and Allstate. American Family ranks first for affordability and customer service, while Nationwide excels in coverage options. Compare all our top picks:

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.

Our rankings reflect the best overall providers, but what's best for you may differ based on your home type or personal needs. We highlight the top insurers across major categories:

Home insurance provider rankings in Ohio cities vary based on affordability, local customer service and available add-on coverages. American Family ranks best in Akron and Cincinnati, while State Farm tops the list in Dayton and Toledo. The top overall providers by city to help you choose the right option locally:

Here are our top home insurance picks. We spotlighted providers that excel in affordability, deliver excellent customer service and offer a range of coverage options for residents:

American Family is the most affordable option for homeowners insurance in Ohio and the best for customer service in the state. Its J.D. Power scores are around the national average for both claims and customer satisfaction according to recent studies. Its coverage options are strong, offering service line coverage, matching siding protection and hidden water damage coverage.

For new homeowners in Ohio, Nationwide is the most affordable option for home insurance. Its extensive coverage includes unique add-ons like better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.

Finding the right insurance can be tricky. A clear guide to help you navigate the process and choose coverage that fits your needs:

American Family, State Farm and Nationwide are the best-rated homeowners insurance providers in Ohio. Shopping around and reviewing coverage details helps you choose the right insurer for your specific needs.

To help you navigate your options, we've answered common questions about selecting a home insurance provider in Ohio.

Ohio homeowners need coverage that protects against the state's diverse weather and property risks. Cleveland and Toledo face Lake Erie storm damage and heavy snow loads. Columbus deals with severe thunderstorms and occasional tornadoes. Cincinnati's Ohio River proximity brings flooding risks. We designed our analysis to help Ohio homeowners find affordable coverage that addresses these regional challenges and protects their biggest investment.

We rated the best homeowners insurance providers in Ohio by analyzing rates, customer service and coverage options across the state's varied housing market, from Cleveland's older lakefront properties to Columbus's growing suburbs to Cincinnati's historic neighborhoods.

Our scoring approach

Affordability drove 55% of our score because Ohio home insurance costs vary by location, home age and risk factors. Providers scored higher if they offered competitive rates across various factors including dwelling coverage, deductible levels and homeowner profiles. We evaluated discount availability (bundling, home security and claims-free histories) because Ohio homeowners need affordable protection despite the state's weather challenges.

Customer satisfaction accounted for 30% because you need an insurer that handles claims efficiently when severe storms damage your roof or flooding hits your basement. Scores came from Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling. American Family consistently ranked highest for Ohio customer service and affordability.

Coverage options made up 15% because Ohio homes face diverse threats requiring specialized protection. We assessed the number of add-on options, unique features and state availability. Coverage like water backup protection, service line coverage and matching siding matters for Ohio's mix of older homes in Cleveland and Toledo facing infrastructure challenges and newer properties dealing with severe weather exposure from Lake Erie storms to tornado-prone central regions.