Best Homeowners Insurance Companies in Ohio

Auto-Owners ranks No. 1 in our review of the best home insurance in Ohio, followed by USAA and State Farm.

See if you're overpaying for home insurance below.

Written by Mark Fitzpatrick

Updated: January 21, 2026

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Ohio's Top Home Insurance Companies: Key Takeaways

Auto-Owners is the best home insurance provider in Ohio with a score of 4.6 out of 5 from our review team.

USAA, State Farm, American Family and Farmers rank high for homeowners insurance in Ohio based on affordable rates, strong customer service and reliable coverage.

The best insurer for your home depends on your coverage needs, budget and preferred features like claims service or discount availability.

Ohio homeowners pay rates well below the national average. MoneyGeek analyzed premiums, J.D. Power satisfaction scores and coverage options from major insurers to find the best home insurance companies in Ohio.

What Are the Best Home Insurance Companies in Ohio?

Auto-Owners ranks first for Ohio homeowners with the state's lowest premiums and above-average customer satisfaction. USAA, State Farm, American Family and Farmers complete the top five, excelling in areas like military-focused service, premium coverage quality and local agent networks.


Auto-Owners Insurance	4.6	$1,761	Most Georgia homeowners
USAA	5.0	$1,361	Military families
State Farm	4.6	$1,494	Coverage quality
American Family	4.6	$2,018	Local agent network
Farmers	4.5	$1,263	Specialized coverage

*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 profile.

**Although USAA earned the highest score, we didn't rank it No. 1 due to its eligibility requirements.

Auto-Owners

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4.5/5Customer Experience

4/5Coverage

J.D. Power Customer Satisfaction Score
621/1,000
Average Annual Premium
$1,761

pros
- Customizable coverage with multiple add-on options
- High financial stability ratings from AM Best
- Local agent network for in-person support
cons
- J.D. Power score below industry average
- Claims take longer to process than competitors
- Not available in all Ohio areas
Auto-Owners Insurance offers Ohio homeowners competitive rates at $1,761 annually. The insurer includes replacement cost coverage for personal property, which pays full value rather than depreciated amounts after a loss. Water backup coverage comes standard, protecting against sewage and drain issues common during Ohio's heavy rainfall seasons.

Auto-Owners charges $1,761 annually for home insurance, 15% less than the state average of $2,075 and 49% below the national average of $3,467. Bundle your home and auto policies or install security systems to reduce costs further.


Older Homes	$156	$1,872
Newer Homes	$128	$1,538
Young Homeowners	$149	$1,794
Senior Homeowners	$133	$1,600
High-Risk Fire Homes	$164	$1,973
Smaller Homes	$143	$1,712
Larger Homes	$174	$2,085

Auto-Owners earned 621 out of 1,000 points in J.D. Power ratings, falling below the industry average of 642. The company operates through local independent agents who provide personalized service and tailored coverage options for Ohio homeowners. Auto-Owners offers limited online tools compared to digital-first insurers.
Auto-Owners provides standard homeowners coverage with optional add-ons:
- Guaranteed home replacement cost: Rebuilds your home even if costs exceed your coverage limit
- Water backup coverage: Pays for damage from sewer or drain backups with customizable limits
- Special personal property: Covers items beyond standard limits, including accidental loss and damage
- Ordinance or law: Pays to bring your home up to current building codes after covered damage
- Homeowners Plus package: Adds appliance leak coverage, higher food spoilage limits, limited mold coverage and automatic inflation protection
- Equipment breakdown: Covers mechanical failures in HVAC systems, appliances and electronics
- Identity theft expense: Provides up to $15,000 for identity restoration costs
- Home cyber protection: Pays for data recovery, device restoration and legal help after cyberattacks
- Inland flood: Covers homes in low-to-moderate flood zones for structure damage, contents and temporary housing

USAA

MoneyGeek Rating

5.0/ 5

5/5Affordability

5/5Customer Experience

5/5Coverage

J.D. Power Customer Satisfaction Score
737/1,000
Average Annual Premium
$1,361

pros
- Digital tools for policy management and claims
- High financial stability ratings
- Most affordable rates for Ohio homeowners
cons
- Limited availability for non-military customers
- Fewer local agents compared to traditional insurers
- Limited availability in some areas
USAA offers Ohio's most affordable home insurance at $1,361 annually. USAA includes replacement cost coverage, which pays to replace damaged items at today's prices rather than their depreciated value. The insurer also covers military uniforms and gear, a benefit you won't find with traditional insurers.

USAA charges $1,361 annually for home insurance in Ohio, 34% less than the state average of $2,075 and 60% below the national average of $3,467. Bundle your home and auto policies to save more, or install security systems for additional discounts.


Older Homes	$114	$1,368
Newer Homes	$74	$886
Young Homeowners	$117	$1,405
Senior Homeowners	$112	$1,342
High-Risk Fire Homes	$127	$1,525
Smaller Homes	$105	$1,255
Larger Homes	$121	$1,455

USAA earned 737 out of 1,000 points in the J.D. Power customer satisfaction study, above the industry average of 642. The company operates online and by phone rather than through local agents, giving you direct access to representatives. USAA's mobile app lets you file claims, upload photos and track progress without calling. Members rate the digital tools highly for speed and ease of use.
USAA provides standard homeowners coverage with specialized add-ons for military families:
- Replacement cost coverage: Rebuilds or replaces damaged property at current prices without depreciation
- Military uniform coverage: Covers service members' uniforms and military gear against loss or damage
- Personal property protection: Pays for stolen or damaged belongings
- Liability coverage: Protects your finances if someone gets injured on your property
- Additional living expenses: Covers hotel or rental costs while your home gets repaired
- Medical payments: Pays for minor guest injuries on your property, even if you're not at fault

State Farm

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4/5Customer Experience

4.2/5Coverage

J.D. Power Customer Satisfaction Score
657/1,000
Average Annual Premium
$1,494

pros
- Rates below Ohio's state average
- Ranks second overall among major home insurance providers
- Multiple coverage options and add-ons available
cons
- Not available in all Ohio counties
- No local agents if you buy online
- Coverage gaps in some rural areas
State Farm offers Ohio's most affordable home insurance at $1,494 annually. The insurer covers personal belongings at replacement cost, meaning you'll get enough money to buy new items rather than depreciated values. State Farm's liability coverage protects your finances if someone gets injured on your property and sues. You can buy coverage online or work with one of State Farm's 19,000+ agents across the country.

State Farm charges $1,494 annually for home insurance in Ohio, 28% less than the state average of $2,075 and 57% below the national average of $3,467. Bundle your home and auto policies for additional savings, or install security systems to reduce your premium further. State Farm also offers discounts for claims-free histories and newer homes.


Older Homes	$126	$1,512
Newer Homes	$90	$1,081
Young Homeowners	$125	$1,495
Senior Homeowners	$124	$1,488
High-Risk Fire Homes	$140	$1,674
Smaller Homes	$121	$1,453
Larger Homes	$147	$1,770

State Farm earned 657 out of 1,000 points in J.D. Power customer satisfaction ratings, above the industry average of 642. You can work with a local agent or buy coverage directly online. State Farm's website and mobile app let you get quotes, file claims and upload damage photos without calling. The company maintains offices throughout Ohio for in-person service when you need it.
State Farm provides standard homeowners coverage with optional add-ons:
- Replacement cost coverage: Pays to replace damaged belongings at current prices without depreciation
- Liability protection: Covers legal costs and damages if someone gets injured on your property
- Additional living expenses: Pays for hotels or rentals if your home becomes unlivable
- Personal property coverage: Protects belongings inside your home and items you take with you
- Medical payments: Covers guest injuries on your property regardless of fault
- Loss of use: Reimburses extra costs like restaurant meals and laundry during repairs

American Family Insurance

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.3/5Customer Experience

4.1/5Coverage

J.D. Power Customer Satisfaction Score
643/1,000
Average Annual Premium
$2,018

pros
- Multiple coverage options and policy add-ons
- Easy-to-use website and mobile app
- J.D. Power score beats industry average
cons
- Fewer specialty add-ons than competitors
- Not available in all Ohio counties
- Limited to select states nationwide
American Family offers Ohio homeowners affordable coverage at $2,018 annually. The insurer covers personal property at replacement cost, paying you enough to buy new items rather than their depreciated value. Add optional water backup coverage to protect against sewer and drain damage, which matters during Ohio's heavy spring rains and winter freezes. American Family works through local agents who can tailor coverage to your specific needs.

American Family charges $2,018 annually for home insurance in Ohio, 3% less than the state average of $2,075 and 42% below the national average of $3,467. Bundle your home and auto policies to save more, or install security systems for additional discounts. American Family also rewards claims-free homeowners with lower rates over time.


Older Homes	$178	$2,133
Newer Homes	$121	$1,455
Young Homeowners	$169	$2,028
Senior Homeowners	$169	$2,031
High-Risk Fire Homes	$188	$2,261
Smaller Homes	$164	$1,962
Larger Homes	$199	$2,388

American Family earned 643 out of 1,000 points in J.D. Power customer satisfaction ratings, slightly above the industry average of 642. The company operates through local independent agents who provide personalized service and maintain strong community presence throughout Ohio. American Family also offers a user-friendly online platform for policy management, combining traditional agent support with modern digital convenience.
American Family provides standard homeowners coverage with optional add-ons:

• Personal property replacement cost: Covers belongings at current replacement value rather than depreciated worth
• Water backup coverage: Protects against damage from sewer backups and drain overflows
• Bundling discounts: Reduces premiums when combining multiple insurance policies
• Home security system discounts: Lowers rates for properties with qualifying security equipment

Farmers

MoneyGeek Rating

4.5/ 5

5/5Affordability

4/5Customer Experience

3.6/5Coverage

J.D. Power Customer Satisfaction Score
631/1,000
Average Annual Premium
$1,263

pros
- Strong financial stability with high ratings
- Comprehensive coverage options tailored for farmers and ranchers
- Most affordable rates for Ohio homeowners
cons
- Limited availability in some areas
- Customer satisfaction score below industry average
- Claims process may be slower during peak agricultural seasons
Farmers offers Ohio homeowners exceptionally affordable coverage at $1,263 annually, delivering substantial savings compared to typical market rates. The company stands out with unique replacement cost coverage that ensures full home replacement without depreciation deductions. Their bundling discount for combining home and auto insurance creates additional savings opportunities for Ohio residents seeking comprehensive protection at competitive prices.

Farmers charges $1,263 annually for home insurance in Ohio, 39% less than the state average of $2,075 and 40% below the national average of $3,467. The company offers bundling discounts for multiple policies and home security system discounts. These savings opportunities make Farmers particularly attractive for Ohio homeowners seeking affordable coverage without sacrificing protection quality.


Older Homes	$115	$1,379
Newer Homes	$64	$768
Young Homeowners	$103	$1,240
Senior Homeowners	$101	$1,215
High-Risk Fire Homes	$118	$1,415
Smaller Homes	$102	$1,219
Larger Homes	$110	$1,325

Farmers earned 631 out of 1,000 points in J.D. Power customer satisfaction ratings, slightly below the industry average of 642. The company sells policies through independent agents with offices throughout Ohio. You can also manage your policy online, file claims through the mobile app and upload damage photos without visiting an agent. American Family combines in-person service with digital tools for homeowners who want both options.
Farmers provides standard homeowners coverage with optional add-ons:
- Personal property replacement cost: Pays current replacement prices for damaged belongings instead of depreciated values
- Water backup coverage: Covers damage from sewer backups and drain overflows
- Bundling discounts: Reduces your premium when you combine home and auto policies
- Home security system discounts: Lowers rates for monitored alarm systems and smart security devices

Best Ohio Home Insurance by City

Auto-Owners leads Ohio's home insurance market by ranking best in nine cities, including Cleveland, Columbus, Cincinnati, Akron, Toledo, Dayton, Grove City, Bolivar and Dillonvale. Annual premiums range from $1,643 to $1,972. Auto-Owners leads all surveyed cities among the providers MoneyGeek analyzed.


Akron	Auto-Owners Insurance	$1,643
Bolivar	Auto-Owners Insurance	$1,685
Cincinnati	Auto-Owners Insurance	$1,719
Cleveland	Auto-Owners Insurance	$1,714
Columbus	Auto-Owners Insurance	$1,761
Dayton	Auto-Owners Insurance	$1,972
Dillonvale	Auto-Owners Insurance	$1,712
Grove City	Auto-Owners Insurance	$1,776
Toledo	Auto-Owners Insurance	$1,852

Cheapest Ohio Home Insurance Companies

Ohio homeowners pay $2,075 annually for home insurance, 40% less than the national average of $3,467. Farmers offers the state's most affordable home insurance at $1,263 annually, 39% below the state average. USAA provides the second-lowest rates at $1,361 per year, though it restricts coverage to military members, veterans and their families. Premiums vary among insurers, with Travelers charging 57% more than the national benchmark.

Guide to Finding the Best Ohio Home Insurance Company

Compare multiple providers based on your coverage needs, budget and service preferences.

Compare Quotes Strategically

Get quotes from at least three to five insurers. Premiums among top Ohio providers range from $1,263 to $2,018 annually. Don't just shop by price. The cheapest policy might leave coverage gaps when you file a claim after severe weather or other covered losses.

Check Customer Satisfaction Metrics

Check complaint ratios through Ohio Department of Insurance, then examine J.D. Power scores ranging from 621 to 737 among leading Ohio insurers versus the 642 industry average. Read recent customer reviews that focus on claims handling during Ohio's tornado season rather than just policy purchase experiences.

Evaluate Coverage Needs

Calculate coverage based on replacement cost rather than market value, which becomes crucial in Ohio where construction costs surge after tornadoes and flooding. Review extended or guaranteed replacement cost options alongside essential coverages like wind/hail protection, flood insurance and extended replacement cost that address your home's specific risks.

Match Service Preferences to Provider Strengths

Digital-first insurers like Lemonade, Hippo and Root excel for online policy management, while State Farm, Nationwide and Allstate provide extensive local agent networks for face-to-face support. Align your service preferences with provider strengths to avoid paying premium prices for features you won't actually use.

OHIO HOME INSURANCE RISKS

From 2000 to 2020, Ohio experienced over 1,000 flood events, making flooding a leading cause of property damage in the state, according to the National Oceanic and Atmospheric Administration. While standard homeowners insurance covers many types of weather damage, it doesn't cover flood damage. You'll need separate flood insurance coverage, available through your insurer or the National Flood Insurance Program, to protect against this major financial risk.

Top-Rated Home Insurance Companies in Ohio: FAQ

Explore our FAQ section for answers to common questions about selecting the right Ohio home insurance provider for your needs.

Does home insurance cover damage from fallen trees in Ohio?

Home insurance covers damage to your house from fallen trees when wind, lightning or other covered perils caused the tree to fall. Your policy won't cover tree removal unless the tree damaged a covered structure. Policies exclude damage from trees that fell due to neglect or rot. Most policies limit tree removal coverage to $500 to $1,000 per tree.

What's the difference between replacement cost and actual cash value coverage?

Replacement cost coverage pays to rebuild your home or replace belongings at current prices without deducting for depreciation. Actual cash value coverage subtracts depreciation from claim payments. You receive less money based on your property's age and condition. Actual cash value policies cost less up front but leave you covering more expenses out of pocket after a loss.

Does home insurance cover sinkholes in Ohio?

Most Ohio home insurance policies exclude sinkhole damage from standard coverage. Ohio doesn't require insurers to provide sinkhole protection, though companies offer it as an optional endorsement. Southern and southwestern Ohio face higher risk due to limestone formations that create unstable ground conditions. Review your policy's exclusions section and consider purchasing sinkhole coverage if you live in these vulnerable areas.

Can I get home insurance if I have a trampoline or swimming pool?

You can get home insurance with a trampoline or swimming pool, but insurers consider these features significant liability risks. Many companies will require higher premiums, additional liability coverage, or may exclude coverage for these items entirely. Safety measures are essential: trampolines need nets and padding, while pools require proper fencing and self-closing gates. Maintain adequate liability coverage of at least $300,000 to protect yourself from potential claims.

Our Methodology: Determining the Best Ohio Home Insurers

Ohio homeowners deal with tornado risks, hurricane exposure and fluctuating construction costs. Our ranking system weighs affordable premiums, quality coverage and reliable claims handling.

We scored insurers across three factors:

Affordability (55%): We compared rates for identical coverage across major providers and evaluated discount availability.

Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback reveal how insurers handle claims after storms damage your home.

Coverage options (15%): We assessed add-on availability, including water backup protection and inland flood options for Ohio's risks.

Our Sample Profile

Rates reflect a homeowner aged 41-60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible.

Your rates will vary based on your home's age, location, claims history and credit score.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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sources

NOAA. "National Oceanic and Atmospheric Administration." Accessed January 29, 2026.