Homeowners Insurance Ohio

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Ohio Home Insurance

Ohio Home Insurance Homeowners insurance in the Buckeye State offers essential coverage for your home and its contents. As an Ohio resident, it’s important to have insurance that can protect your home. At The Hartford, we offer coverage to help if your home suffers from damage caused by things like:
 
  • Tornadoes
  • Wind
  • Fire
  • Theft
  • Thunderstorms
These disasters often happen without warning. They can cause significant damage to your home or other structures on your property. Having good homeowners insurance can help.
 
We’re here to help protect your home from financial loss, no matter where you live in Ohio. The Hartford has you covered whether your home is in Columbus, Cleveland, Cincinnati, Dayton or anywhere in-between. We’re the only home insurance company endorsed by AARP.®1 With our flexible options, savings and expert service, you’ll know that your OH home is getting the best protection possible.
 

Ohio Homeowners Insurance Average Costs

According to the Insurance Information Institute (III), the average cost of a homeowners insurance premium in Ohio is $850. This makes Ohio one of the least expensive states in the country for home insurance, ranking number 43.
 
According to the III, many factors influence the premiums you pay for insurance in Ohio. Some include:
 
  • Your home's total square footage: The larger your home, the higher the premiums will likely be.
  • The building costs in your area: These costs include construction type, materials and features that may be added or subtracted from your bottom line.
  • Your home’s location: The local crime rates of your city, especially near your home, can impact your rates.
  • The natural disasters that may occur: Your home’s location might be more at risk for natural disasters, such as tornadoes. Earthquake coverage is excluded, but it can be purchased separately.

More About Ohio Home Insurance

Types of Ohio Homeowners Insurance

Home Insurance Ohio Unlike Ohio Car Insurance, homeowners insurance isn't required by law in Ohio. However, if you finance your OH home with a mortgage, your lender may require some type of homeowners insurance coverage.
 
Most homeowners policies from The Hartford come with a wide range of coverages for different Ohio properties. At The Hartford, we include all of these Ohio home insurance coverages in your policy:
 
Personal Liability Insurance helps cover your legal defense against a liability claim or lawsuit. This coverage also helps pay for damages you’re liable for. For example, if your pet hurts a neighbor, this coverage can help pay for the injuries.
 
Dwelling insurance coverage helps protect your home and the structures directly attached to it. Your dwelling coverage can help protect both the inside and outside of your OH home, including its:
 
  • Heating
  • Air conditioning
  • Roof
  • Siding
  • Walls
  • Flooring
Personal property coverage helps covers furniture, clothing and appliances. You can purchase additional coverage for valuable items and other special possessions. For instance, you may want additional coverage for your jewelry or collectible items.
 
Loss of use coverage helps pay for your additional living expenses if you can’t live in your home for a time. For instance, if you have to stay in a hotel while your home is repaired after a covered loss, this coverage can help pay the bill.
 
Medical payments coverage helps pay emergency medical bills if someone who is not a regular resident of your home is injured on your OH property. These bills can be covered up to your policy limit, whether you’re legally responsible for the incident or not. It also covers any injury caused by a member of your family or your pet, no matter where it happens.2
 
Other structures coverage helps protect structures that are not directly attached to your home. For example, if your detached garage is damaged, this coverage can help pay the repair costs.
 

Additional Ohio Homeowners Insurance Coverages:

Valuable items blanket coverage provides extra coverage for your jewelry, china, crystal, silverware, guns and more. Many homeowners policies cap coverage for theft on jewelry up to a $1,500 limit, but The Hartford’s Valuable Items Blanket Coverage can increase the limit up to $10,000 per item. This coverage can also help cover mysterious disappearances.
 
Advantage Coverage Package allows you to bundle popular coverages offered by The Hartford. These can include:3
 
  • “New for old” protection4
  • Personal injury liability insurance
  • Reimbursement for replacing locks
  • Identity fraud coverage
Home Advantage Plus Coverage Package helps provide you with additional coverages like:
 
Disappearing property deductible,‡‡ which rewards safe home and condo owners by reducing their deductible $50 for every three years you go without having an insurance loss.5
 
Full replacement cost reimburses you at today’s cost if you’ve replaced a damaged item with a similar kind and quality item. Full replacement cost pays the full cost to rebuild your home if it is a total loss, up to 125% of your coverage limits.6
 
Rental property protection plus provides coverage if you’re a landlord with a rental unit. It includes:
 
  • Replacement costs of your rental
  • Your detached structures, if you choose
  • Property damage from vandalism or burglary
  • Your lawn, plants or shrubs that are damaged
  • Fair rental value, which is 20% of your dwelling coverage
Equipment breakdown coverage helps protect against mechanical or electrical breakdowns in the home for items like:
 
  • Home appliances
  • Furnaces
  • HVAC systems
  • Lawn mowers
This coverage can also help pay for additional charges to rush repairs or replacement when needed. It doesn’t cover normal wear and tear.7
 

Ohio Home Insurance Discounts

There are many ways to save on your homeowners insurance in the Buckeye State. At The Hartford, we offer several types of homeowners insurance discounts to help lower your premiums.
 

Retiree Credit

We offer credits to retirees and those who work less than 24 hours a week in OH.
 

Bundled Insurance Discount8

If you already have a car insurance policy with The Hartford, bundling it with your homeowners insurance can help you save. With a bundle, you’ll qualify for up to 5% off your car insurance and up to 20% off your home insurance.
 

Home Security Discount

The Hartford rewards homeowners for protecting their property. By installing devices, such as burglar alarms and fire sprinkler systems in your Ohio home, you can help lower your premium.
 
Discover the benefits of having your homeowners insurance with The Hartford. Find out what discounts you qualify for and get your quote today. Our specialists are here to help at 800-624-5578.
 
 
2 Medical benefits are calculated on the basis of usual, customary, and reasonable charges.
 
3 This package is ideal for customers who want extra protection, above their base policy, for certain coverages such as: Replacement Cost Contents Coverage, Personal Injury Protection, and ID Fraud Expense Coverage.
 
4 Some benefits such as Reimbursement for Lock Replacement are only available with the Optional Home Advantage Plus package. A policy without these added benefits is also available.
 
5 Responsible homeowners deserve to be rewarded. If you have no homeowners claims in the past three years, The Hartford will lower your property insurance deductible by $50. Then, we’ll lower it another $50 after each year without a claim – until your property deductible reaches zero. This reduction of deductible does not apply to Mine Subsidence and Equipment Breakdown coverage.
 
6 The Hartford will pay the full cost to rebuild your home, even if it costs up to 125% of your home insurance policy’s coverage.
 
7 This coverage is available for an additional fee and pays for the repair or replacement of appliances, electronics and other home systems after a mechanical or electrical breakdown. Equipment breakdown coverage also provides coverage if you want to make “green” upgrades. It pays up to 125 percent of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly.
 
8 Bundling savings are not available in Hawaii and Massachusetts. In New Jersey, the discount is applied to the homeowners insurance policy only.
‡‡ Terms and conditions apply.
 
Additional disclosures below.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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