Best Cheap Homeowners Insurance in Cincinnati

The· Average cost of homeowners insurance In Cincinnati, housing coverage is $ 250,000 and is $ 1,086 per year., A little more than average Ohio Homeowners Insurance $ 1,111 per year with the same coverage. These may not be the cheapest home insurance premiums in the country, but for most Ohio homeowners, insurance may be considered essential in Queen City.Ohio Headquarters Abnormal weatherIn addition to the harsh winters that bring snow, ice and frozen pipes, like tornadoes and floods.

However, knowing how to compare quotes can save you even more on the best and cheapest homeowners insurance in Cincinnati. Based on factors such as coverage, availability, price and national ranking, this is a review of some of the bank rates of the best and cheapest homeowners insurance companies in Cincinnati.

The best and cheapest home insurance company in Cincinnati

To find the cheapest home insurance in Cincinnati, we looked at the companies available in the area. We also compared key factors such as customer satisfaction ratings from respected industry agencies such as coverage options, pricing and JD Power.

Home insurance company Average annual premium to cover $ 250,000 homes JD power score
All state $ 656 830/1,000
American family $ 836 827/1,000
Automatic owner $ 868 845/1,000
State farm $ 1,009 829/1,000
Nationwide $ 1,107 828/1,000

All state

Allstate provides all standard protection, including: Movables And Liability insuranceHowever, there are also extended protection options such as manufacturing or mobile home insurance, flood insurance, and Host Advantage® coverage (if required). Airbnb insurance). Although ranked on average customer satisfaction, it has excellent resources such as the ability to bill online or via mobile apps. Allstate offers not only EasyPayPlan®, but also significant savings such as claims-free, early signing, loyalty, and welcome discounts. If you are a new home buyer or retired at age 55 or older, you can also get additional discounts.

learn more: Allstate insurance review

American family

Despite providing 24/7 billing support, American Family customer satisfaction is slightly below average. Still, it’s a great choice to consider when looking for affordable home insurance. Coverage options include equipment failure coverage, drainage pump failure, service line coverage, corresponding siding insurance, and hidden flood coverage. With all of these coverage options, the American family still prioritizes savings and offers options to reduce deductions. Prices are on average competitive for Cincinnati homeowners.

learn more: American Family Insurance Review

Automatic owner

Auto-Owners offers comprehensive home insurance coverage with many add-ons to help you customize your coverage.Protect the value of your home with a guaranteed home Replacement cost, And add water backup coverage for your home sewers and drains. There is also a special movable property, ordinance or legal coverage, Personal information theft insurance.. As an additional benefit, Auto-Owners is ranked among the top providers of customer satisfaction in JD Power’s 2020 survey.

learn more: Car Owner Insurance Review

State farm

State Farm is slightly below average in customer satisfaction, but great mobile tools help homeowners manage their policies more conveniently. Online Home Insurance Quote Provided by this insurance company. If you need to file or track your complaint, you also have both online and mobile options. Home insurance is also more affordable because State Farm offers higher deduction options.In addition, you can save money through your home Home security alert protection And roof discounts.

learn more: State Farm Insurance Review


Although national customer satisfaction is slightly below average, it remains one of the cheapest providers in the region, based on estimated annual premiums. In addition, it is a home insurance company that is highly evaluated as a target of exchange compensation in Cincinnati. Other structures, Better roof, loss of use, and coverage of brand new belongings. Nationally, we also offer credit card compensation for additional financ
ial compensation. Be sure to ask about home purchase discounts, pre-insurance, roof ratings, or living in a gated community before finalizing your policy.

learn more: National insurance review

Cincinnati Home Insurance Coverage Options

Cincinnati homeowners are advised to consider special insurance coverage to protect them from winter storms in Ohio and other hazards such as:

  • Flood insurance: Flood insurance It does not come standard with the average insurance policy and not all insurance companies offer it. If the insurer does not, you can purchase insurance for an additional fee from the National Flood Insurance Program (NFIP) or look for a private provider.
  • Wind range: Storm insurance It is usually included in typical home insurance. Before you determine your coverage, check with your provider what options you have for your policy, as far as limits are concerned, in case you want more financial protection.
  • Flood damage: Ohio has heavy snowfalls every winter, so it’s important to make sure your home insurance includes proper coverage. Flood damage To protect you from plumbing and other problems that can cause great loss in your home.

Cincinnati Home Insurance Discounts

To make Cincinnati’s cheapest home insurance even more affordable, you can use home insurance discounts to save on premiums each year.A few Cheap home insurance company Additional offer How to save, Like these:

  • Payment discount: You can get additional savings by paying the full amount, renewing in advance, or choosing a paperless statement.
  • Bundle discount: One easy way to save on insurance is to bundle multiple insurances with the same provider. So if you also have car insurance, you may be able to save even more with a single provider. Ride share insurance, Condominium insurance or life insurance.
  • Property discount: Some insurance companies offer additional discounts if you have or identify a new home, home security, new roof Home renovation..
  • Personal discount: When you are, you can get additional discounts Advanced,have Good credit score, For a period of time, or you Military or veteran..

Snow and floods are common in Ohio, so you may need to file a claim for storm damage. It is helpful to consider which discounts can reduce your insurance premiums. Keep in mind that insurers usually offer several ways to save on personal discounts and real estate related discounts. Before buying home insurance, it is always important to explore your options and ask what additional savings will help your insurance.

Frequently Asked Questions

What is the best home insurance company?

The· The best home insurance company It depends on the person.Prices vary significantly based on some Rate factor, Where you live, the type of house you have, your marriage history, and Deductible What you choose. In addition, provider priorities vary by homeowner.

How Much Does Cincinnati Home Insurance Cost?

Cincinnati Home Insurance’s $ 250,000 home insurance costs an average of $ 1,086 per year, based on an annual premium estimated from Quadrant Information Services.

How Much Home Insurance Does Cincinnati Need?

There is none Minimum amount of home insurance This is what Cincinnati needs, but if you have a mortgage, you need to set a certain coverage. Anyway, it’s always a good idea to protect your home with proper coverage in case of loss.


Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC. :

  • Coverage A, Housing: $ 250,000
  • Coverage B, Other Structures: $ 25,000
  • Coverage C, movables: $ 125,000
  • Coverage D, unavailable: $ 50,000
  • Coverage E, Liability: $ 300,000
  • Coverage F, medical expenses: $ 1,000

Homeowners also have a $ 1,000 deduction and a separate wind and hail deduction (if needed).

These are sample rates and should only be used for comparison purposes. Your quote will be different.