Enter your ZIP code:

Ohio Home Insurance Quotes

Thank you for visiting our Ohio home insurance information and quotes page. We are InsureMe, and we've been in business since 1993 serving your Ohio home insurance needs.

We're your one-stop shop for homeowners information!

We've organized some information to help you in your homeowners insurance purchasing decision. We hope you will review it and find it useful when comparing Ohio home insurance companies—and then let us do the rest! Just fill in our "Get a free quote" box at the top of this page and we'll put you in touch with up to five Ohio home insurers who are ready to compete for your business.

It's just that simple!


Ohio Home Insurance: A Brief Overview

More than 100 companies are currently authorized to sell Ohio home insurance. This creates a competitive market, meaning that insurers employ competitive pricing in order to sell home insurance policies to Ohioans.

Acquiring home insurance is an important part of protecting your home and its contents against unexpected events. Ohio homeowners insurance may pay to repair or rebuild your home as a result of damage, provide you with temporary shelter if your home becomes uninhabitable, and cover damage to your home's contents and your personal belongings in the event they are stolen or damaged. It may also cover medical expenses for anyone injured on your property, damage to another's property, and legal fees and court costs if you are found liable.

"Why should I buy home insurance?"

If you finance your home, the bank will require you to insure it for at least the amount of your home loan. However, most insurance policies require insurance coverage of at least 80 percent of the home's replacement value.

In addition, your Ohio home insurance policy protects you from financial duress by paying for any bodily injury or property damage situation in which you are held liable. Your home insurance company will act on your behalf by negotiating a settlement, defending you in court and paying any judgments against you.

When the unexpected happens, no Ohioan can afford to be without home insurance.

Cost Determination

The cost of your Ohio home insurance is determined by many factors. Some of these include:

  1. The policy type and coverage amount you select
  2. Additional coverages you purchase
  3. The deductible level you choose
  4. Where you live
  5. Your credit and claims history
  6. Your home's construction, age and condition
  7. Distance from fire protection
  8. Any discounts applied

All these factors together culminate in customary home insurance cost levels for Ohio home insurance policies.

Your Options

Many types of Ohio home insurance policies are available, so examine offerings closely to determine which policy type best suits your needs. Most Ohio home insurance companies offer the following types of coverage:

  • Broad Form (HO-2)—Covers only specifically listed perils.
  • Special Form (HO-3)—The most common policy. Offers property and liability coverage for your home and other structures on your property. Protects against all risks except those specifically excluded.
  • Tenants Form (HO-4)—Provides coverage for a renter's personal property, but not the building itself.
  • Comprehensive Form (HO-5)—Covers your home and your personal property against most types of damage except earthquakes, floods and wars.
  • Condominium Form (HO-6)—Covers a condominium owner's personal property, as well as any portion of the building he or she owns.
  • Market Value Form (HO-8)—Insures the structure based on "market value," or what it would have sold for just before damage occurred.

Private Insurance Rating Firms

It is important to scrutinize an insurer's financial stability ratings and complaint history before purchasing your Ohio home insurance policy. This type of information can be obtained through the following consumer rating companies, provided by the Ohio Department of Insurance:

  • A.M. Best
    908-439-2200
    www.ambest.com
  • Moody's Investors Services
    212-553-0300
    www.moodys.com
  • Standard & Poor's Insurance Ratings Service
    212-438-2000
    www.standardandpoor.com
  • Fitch Inc.
    800-753-4824
    www.fitchratings.com

More Information Available

If you have further questions or need additional information, contact the Consumer Services Division of the Ohio Department of Insurance at 800-686-1526. You may also reach them online at www.ohioinsurance.gov.

Now, let us help!

We hope this information has answered your questions relevant to purchasing Ohio home insurance. Now, don't go searching the phone book and calling insurance companies over and over again. Let us help you get the home insurance quotes you need!

Submit your information to us just once, let us do the leg work for you, and your Ohio home insurance quotes will come directly to you.

Why not get started today?


Free Car Insurance Quotes!  
Free Home Insurance Quotes!   
Free Health Insurance Quotes!   
Free Life Insurance Quotes!   
List of Articles
No. Subject Author Viewssort
55 Oregon Home Insurance Quotes youcomparequotes 12835
54 North Carolina Homeowners Insurance youcomparequotes 11416
53 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 11022
52 Michigan Home Insurance Quotes youcomparequotes 8364
51 Tennessee Homeowners Insurance youcomparequotes 8332
50 Washington, D.C. Home Insurance youcomparequotes 8205
49 Florida’s Home Insurance Headache youcomparequotes 8026
48 Arizona Home Insurance Quotes youcomparequotes 7708
47 Illinois Home Insurance Quotes youcomparequotes 7373
46 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7229
45 Colorado Home Insurance Information youcomparequotes 7170
» Ohio Home Insurance Quotes youcomparequotes 7108
43 Vermont Homeowners Insurance youcomparequotes 7050
42 South Dakota Homeowners Insurance youcomparequotes 7024
41 Wisconsin Home Insurance youcomparequotes 6959
40 New York Home Insurance Quotes youcomparequotes 6938
39 Kansas Homeowners Insurance youcomparequotes 6926
38 New Mexico Homeowners Insurance youcomparequotes 6850
37 Louisiana Homeowners Insurance youcomparequotes 6847
36 Texas Home Insurance Quotes youcomparequotes 6752
35 Pennsylvania Home Insurance Quotes youcomparequotes 6747
34 Arkansas Home Insurance youcomparequotes 6741
33 Montana Home Insurance youcomparequotes 6708
32 Oklahoma Homeowners Insurance youcomparequotes 6671
31 Virginia Home Insurance youcomparequotes 6666
30 Wyoming Home Insurance youcomparequotes 6649
29 Kentucky Home Insurance youcomparequotes 6614
28 Indiana Homeowners Insurance youcomparequotes 6611
27 Maryland Home Insurance youcomparequotes 6611
26 California Home Insurance youcomparequotes 6610
25 Minnesota Home Insurance Quotes youcomparequotes 6607
24 Georgia Home Insurance youcomparequotes 6586
23 Missouri Home Insurance Quotes youcomparequotes 6578
22 Florida Home Insurance Quotes youcomparequotes 6536
21 West Virginia Homeowners Insurance youcomparequotes 6534
20 Hawaii Home Insurance youcomparequotes 6498
19 Rhode Island Homeowners Insurance youcomparequotes 6491
18 Nevada Home Insurance youcomparequotes 6481
17 Idaho Home Insurance youcomparequotes 6462
16 Mississippi Home Insurance youcomparequotes 6450
15 Maine Homeowners Insurance youcomparequotes 6439
14 Iowa Homeowners Insurance youcomparequotes 6419
13 Connecticut Homeowners Insurance youcomparequotes 6414
12 Alabama Homeowners Insurance youcomparequotes 6412
11 North Dakota Homeowners Insurance youcomparequotes 6408
10 Alaska Homeowners Insurance youcomparequotes 6391
9 New Hampshire Home Insurance youcomparequotes 6364
8 Nebraska Home Insurance youcomparequotes 6338
7 New Jersey Home Insurance youcomparequotes 6288
6 South Carolina Homeowners Insurance youcomparequotes 6284
5 Washington Home Insurance youcomparequotes 6278
4 Utah Homeowners Insurance youcomparequotes 6241
3 North Dakota Home Insurance youcomparequotes 6232
2 Kentucky Homeowners Insurance youcomparequotes 6230
1 Delaware Home Insurance youcomparequotes 6147
XE Login