How much is homeowners insurance in Roseville,OH

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.

As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Roseville is $2,091 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $491 less than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Roseville depend on several factors, including:

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

Erie Insurance is the cheapest homeowners insurance company in Roseville with an average annual premium of $2,091 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Roseville. Keep reading to learn about the monthly cost of homeowners insurance in Roseville, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Roseville.

Key takeaways

The average cost of homeowners insurance in Roseville is $2,091 per year.
Erie Insurance is the cheapest homeowners insurance company in Roseville with an average annual premium of $1,408.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $436 more a year for home insurance.

How much is homeowners insurance in Roseville per month

According to our rate analysis, homeowners in Roseville pay an average of $174 per month. It’s $5 less than the state average of $179 and $41 less than the national average for home insurance across the United States.

In Roseville, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

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

In Roseville, OH, homeowners pay an average of $1,655 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

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

Based on a rate analysis conducted by Insure.com, Roseville residents pay an average of $2,091 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $436 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Roseville by company

Among the carriers analyzed, Erie Insurance is the cheapest homeowners insurance company in Roseville. It’s average annual rate for Roseville homeowners is $1,408. Auto-Owners ranks second and State Farm makes it to the third spot with an average annual home insurance rate of $1,781.

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 Roseville and prepared a list of the cheapest home insurance providers. You can find below the Roseville home insurance companies and their average annual premium.

Home insurance company	Annual rate
Erie Insurance	$1,408
Auto-Owners	$1,568
State Farm	$1,781
Nationwide	$1,814
American Family	$1,852
Allstate	$1,885
Grange Mutual	$2,029
Farmers	$2,286
Travelers	$6,562
USAA*	$1,451

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Roseville 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.