How much is homeowners insurance in Cincinnati, Ohio?

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average cost of homeowners insurance in Cincinnati is $2,132 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $450 less than the national average of $2,582 .

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Cincinnati depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Cincinnati, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Cincinnati.

Key Takeaways

In Cincinnati, homeowners insurance costs $2,132 annually.
Allstate offers the most affordable homeowners insurance in Cincinnati with an average annual premium of $1,352 .
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $400 higher.

How much is homeowners insurance in Cincinnati per month?

Cincinnati homeowners pay an average of $178 a month. It’s just $1 less than the state average of $179 and $37 less than the national average for home insurance across the nation. The price of your homeowners insurance policy in Cincinnati may vary depending on where you live, the value of your home, and the coverage you choose.

How much is homeowners insurance for a $200,000 house in Cincinnati?

The average cost of homeowners insurance in Cincinnati, OH is $1,732 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

How much is homeowners insurance for a $300,000 house in Cincinnati?

Cincinnati residents pay an average of $2,132 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. To increase your dwelling coverage from $200,000 to $300,000, you’ll pay an additional $400 per year.

The smartest approach is to carry enough insurance to cover the full cost of rebuilding your home.

How much is homeowners insurance in Cincinnati by company?

Among the carriers we analyzed, Allstate is the most affordable homeowners insurance company in Cincinnati. Its average annual rate for homeowners in Cincinnati is $1,352 , while Auto-Owners ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Cincinnati and compiled a list of the most affordable home insurance companies.

Below are details of Cincinnati home insurance companies and their average annual premiums.

Home insurance company	Annual rate
Allstate	$1,352
Auto-Owners	$1,564
State Farm	$1,725
American Family	$1,756
Nationwide	$1,931
Erie Insurance	$1,932
Grange Mutual	$2,395
Farmers	$2,605
Travelers	$5,745
USAA*	$1,652

*USAA is only available to military community members and their families.

Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.

Natural disasters in Ohio that can impact your home insurance

Living in Ohio comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.

By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.

Ohio is commonly affected by Winter weather.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance pays for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

TIP

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Cincinnati for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

How much is home insurance in other cities?

Toronto

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.