How much is homeowners insurance in Cincinnati,OH

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In Cincinnati, homeowners pay an average annual rate of $2,132 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $450 less the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in Cincinnati depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right 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

Homeowners insurance costs $2,132 per year in Cincinnati.
At $1,352 per year, Allstate offers the cheapest homeowners insurance in Cincinnati.
Your home insurance rates increase by $400 more annually if you increase your dwelling coverage from $200,000 to $300,000.

How much is homeowners insurance in Cincinnati per month

Cincinnati homeowners pay an average of $178 a month, based on our rate analysis. It’s $1 less the state average of $179 and $37 less the national average for home insurance across the United States. 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

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $1,732 per year in Cincinnati, OH. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

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

According to a rate analysis by Insure.com, homeowners in Cincinnati pay an average of $2,132 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $400 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Cincinnati by company

Among the carriers analyzed, Allstate is the cheapest homeowners insurance company in Cincinnati. It’s average annual rate for Cincinnati homeowners is $1,352. Auto-Owners ranks second and State Farm makes it to the third spot with an average annual home insurance rate of $1,725.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Cincinnati and prepared a list of the cheapest home insurance providers. You can find below the Cincinnati home insurance companies and their average annual premium.

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

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.