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Best Homeowners Insurance in Cincinnati, OH

Aug. 15, 2019, 8:17 p.m.

Home insurance guards your biggest investment against common hazards like fire or theft, and it protects you if someone is injured in your home. The cost depends on a home’s location, age and materials and the type of coverages you choose. To help find the right policy for your home and budget, our partners at ConsumerAffairs researched the best homeowners insurance in Cincinnati.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. WCPO may receive compensation from our partners. Learn more.

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#1
MOST POPULAR
Progressive

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#1 MOST POPULAR
Progressive
Progressive
Features
  • Covers other structures on your property
  • Multi-policy discounts
  • #1 in online home insurance quotes
  • Available in Cincinnati
Read More
Location
414 Walnut St.
Cincinnati, OH 45202
(513) 621-3021
#2
GEICO
GEICO
Features
  • Free online quotes
  • Multi-policy discount
  • Liability coverage
  • Available in Cincinnati
Read More
Location
738 Lila Ave.
Milford, OH 45150
(513) 831-8100
#3
State Farm
State Farm
Features
  • Home security discounts
  • Condo unit insurance
  • Personal articles policy
  • Available in Cincinnati
Read More
Location
3322 Erie Ave., Ste. 102
Cincinnati, OH 45208
(513) 533-1661
#4
The Cincinnati Insurance Company
The Cincinnati Insurance Company
Features
  • Multi-policy discounts
  • Local claims service
  • Security system discount
  • ID theft coverage available
Read More
Location
6200 S. Gilmore Rd.
Fairfield, OH 45014
(513) 870-2000
#5
Liberty Mutual Insurance
Liberty Mutual Insurance
Features
  • Discounts for newly purchased homes
  • Policy add-ons available
  • Security & smoke detector discounts
  • Additional coverage for valuables
Read More
Location
4747 Lake Forest Dr., Ste. 150
Cincinnati, OH 45242
(513) 975-4800
Cincinnatus Insurance LLC
Cincinnatus Insurance LLC
Features
  • M-F: 9am - 6pm
  • Sat: 9am - 1pm
  • Closed Sun
  • cincinnatusinsurance.com
Location
4790 Red Bank Expy., Ste. 207
Cincinnati, OH 45227
(513) 587-3553
Dwyer Insurance
Dwyer Insurance
Features
  • M-Th: 8:30am - 5:30pm
  • F: 8:30am - 5pm
  • Closed Sat and Sun
  • dwyer.biz
Location
3356 North Bend Rd.
Cincinnati, OH 45239
(513) 389-4100
Nationwide
Nationwide
Features
  • M-F: 8:30am - 5:30pm
  • Sat: 9am - 12pm
  • Closed Sun
  • nationwide.com
Location
2191 Victory Pkwy.
Cincinnati, OH 45206
(513) 861-9900
Allstate
Allstate
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • allstate.com
Location
3006 Portsmouth Ave.
Cincinnati, OH 45208
(513) 871-5300
Farmers Insurance
Farmers Insurance
Features
  • M: 9am - 6pm
  • T-Th: 9am - 5:30pm
  • F: 8:30am - 5:30pm
  • Sat: 9am - 1pm
  • Closed Sun
  • farmers.com
Location
3914 Miami Rd., Ste. 301
Cincinnati, OH 45227
(513) 407-5700
Burkhart Agency Insurance
Burkhart Agency Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • burkhartagency.com
Location
803 Scott Blvd.
Covington, KY 41011
(859) 292-8080

How to choose homeowners insurance in Cincinnati

Cincinnati skyline

Homeowners insurance is not required, but nearly all Cincinnatians insure their property, belongings and liability from covered events, known in the industry as “perils.” If you have a mortgage, the bank will certainly require home insurance.

Consumers can purchase homeowners insurance coverage from more than 100 companies authorized to do business in Ohio. Dwelling, contents (or personal belongings) and personal liability coverage ordinarily come standard, with add-ons such as other structures and medical expenses available.

Type of coverage What it covers Example perils or events
Dwelling Structure of the home, including floors, walls, ceilings, built-in appliances Fire, hail, theft, vandalism, lightning, wind, falling objects
Contents Personal items, such as furniture, clothing, electronics Same as dwelling perils
Personal liability Claim or lawsuit resulting from injury or property damage to others Falls, dog bites, food poisoning, ball thrown through window

How much is homeowners insurance in Cincinnati?

The cost of homeowners insurance in Cincinnati depends on many factors, such as your home’s age and condition, the type of construction, distance to the local fire station and claims history. Fortunately, Ohio is one of the less expensive states for homeowners insurance. In Cincinnati, homeowners pay between $900 and $1,000 per year.

This figure can vary based on your coverage limits (or the maximum amount the insurance company will pay out) and the deductible (or how much you pay out of pocket for each claim). It can also be a function of your ZIP code. For instance, densely populated neighborhoods like Over-the-Rhine and Price Hill will have slightly higher premiums than the quiet suburbs of Blue Ash or Anderson Township.

Because of Cincinnati’s proximity to the Ohio River, homeowners may wish to consider flood insurance, which is not covered by standard policies. Residents are eligible to purchase flood insurance through the National Flood Insurance Program.

When purchasing homeowners insurance in Cincinnati, read the policy carefully. As you shop around and compare prices, be aware whether the policy you are looking at lists every covered peril or whether it only lists the perils it does not cover.

Don’t forget to ask about discounts as well. Many companies in Cincinnati will offer savings if you also buy car insurance, have a home security system, just moved into a new home or pay in full.

Progressive

Progressive

Customers can start the quote process online for Progressive home insurance, with agents standing by ready to assist. The HomeQuote Explorer tool allows you to compare rates and coverages from different companies. Progressive offers plenty of discounts for policyholders, like for bundling, getting a quote in advance, having alarm systems and safety devices or paying up front. Reviewers say the company has excellent customer service representatives to help answer questions and process claims.

GEICO

GEICO

GEICO makes it easy to get a quote and set up homeowners insurance for your property. Policy shoppers can get a quote online or contact a sales agent seven days per week. Customers can also reach the company 24/7 online or through GEICO’s mobile app. Discounts are available for having smoke alarms or a home security system, and customers like being able to save by bundling homeowners and auto policies.

State Farm

State Farm

State Farm is one of the leading home insurers in the U.S. Customers can visit the company’s website to get a quote and access plenty of home insurance resources. State Farm policyholders get savings for purchasing multiple policies, installing security alarms, using certain roofing materials or choosing a higher deductible. Customers give mixed reviews to State Farm; many are satisfied with coverage, while others have had difficulty with the claims process.

The Cincinnati Insurance Company

The Cincinnati Insurance Company

The Cincinnati Insurance Company, founded in 1950, is one of the top insurers in the country. The standard Executive Homeowner Policy covers dwelling, personal property, legal liability and additional living expenses if your home becomes uninhabitable. Coverages for higher value homes are also available. In addition to exceptional claims service, customers get access to many discounts. Many reviewers give the company positive reviews and have been clients for years.

Liberty Mutual Insurance

Liberty Mutual Insurance

Liberty Mutual’s standard homeowners insurance policies cover dwellings, personal possessions, liability and additional living expenses in the event that your home becomes uninhabitable. Customers can customize a policy with add-ons and premium-reducing discounts. Visitors to the Liberty Mutual Insurance website can use a free coverage calculator to learn the right coverage and policy limits. Reviewers say the company gives accurate quotes at fair prices.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.