1. Home
  2. Renters Insurance

Best Renters Insurance in Cincinnati, OH

Nov. 19, 2019, 10:57 p.m.

Renters insurance protects you from financial loss if your personal belongings are damaged or destroyed or you’re held legally responsible for a rental-related incident. When choosing a provider, you should consider how much coverage you need and the company’s reputation for claims handling. Our partners at ConsumerAffairs researched the best renters insurance in Cincinnati so you purchase a policy confidently.

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.

Powered by
×
#1
RECOMMENDED
Policygenius

Wide choice of A-rated insurers!

#1 MOST POPULAR
Policygenius
Policygenius
Features
  • Best rates all in one place
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Cincinnati
Read More
Location
Serves residents in
Cincinnati, OH
(855) 695-2255
#2
EverQuote
EverQuote
Features
  • Insurers for your needs & budget
  • Largest online marketplace
  • Fast, free quote comparison
  • Available in Cincinnati
Read More
Location
Serves residents in
Cincinnati, OH
(855) 522-3444
Cincinnatus Insurance
Cincinnatus Insurance
Features
  • M-F: 9am - 6pm
  • Sat: 9am - 1pm
  • Closed Sun
  • cincinnatusinsurance.com/personal/renters-insurance
Location
4790 Red Bank Expy., Ste. 207
Cincinnati, OH 45227
(513) 587-3553
State Farm: Edwin Young III
State Farm: Edwin Young III
Features
  • M-F: 9am - 5pm
  • Sat: By appointment
  • Closed Sun
  • statefarm.com/insurance
Location
3218 Madison Rd., Ste. A
Cincinnati, OH 45209
(513) 631-6699
Allstate: Alison Doner
Allstate: Alison Doner
Features
  • M: 8:30am - 6:30pm
  • T-F: 8:30am - 5pm
  • Closed Sat and Sun
  • allstate.com
Location
3006 Portsmouth Ave.
Cincinnati, OH 45208
(513) 871-5300
Ingram-Disney Insurance Agency
Ingram-Disney Insurance Agency
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • ingramdisney.com/renters.html
Location
7699 Beechmont Ave.
Cincinnati, OH 45255
(513) 231-8827
Huesman Insurance Group
Huesman Insurance Group
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • huesmaninsurance.com
Location
3654 Glenmore Ave.
Cincinnati, OH 45211
(513) 385-5585
GEICO: Katherine Harrison
GEICO: Katherine Harrison
Features
  • M-Sat: 9am - 8pm
  • Closed Sun
  • geico.com/renters-insurance
Location
9709 Colerain Ave.
Cincinnati, OH 45251
(513) 824-3262
A. M. Peck Insurance Agency
A. M. Peck Insurance Agency
Features
  • M-F: 8:30am - 4:30pm
  • Closed Sat and Sun
  • ampeck.com/cincinnati-renters-insurance
Location
414 Walnut St.
Cincinnati, OH 45202
(513) 621-3021
Nationwide: John R. Wilber
Nationwide: John R. Wilber
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • nationwide.com
Location
7801 Beechmont Ave.
Cincinnati, OH 45255
(513) 474-5995

How to choose rental insurance in Cincinnati

Cincinnati skyline

If you’re among the 36 percent of households in Cincinnati that rent, it’s possible you’ve overlooked or never heard of renters insurance. Even if the possibility of a fire or theft or being sued for an accident at your apartment or rental home seems far-fetched, you should strongly think about purchasing a policy.

The standard renters insurance policy includes these coverages:

  • Personal property: If your personal property is damaged or stolen by a covered event, renters insurance will kick in after you meet a deductible, typically between $500 - $1,000. The insurance company will compensate you for either the actual cash value of the item (which includes depreciation) or the replacement value (the full replacement cost). The most common renters insurance claims are for fire, theft and vandalism.
  • Liability: If you are found legally responsible for an unintentional injury at your residence or if you damage someone else’s property, renters insurance will cover medical bills, repair costs and legal fees.
  • Additional living expenses: If your rental becomes uninhabitable after a covered event, renters insurance will pay for temporary living expenses (e.g., hotel bills, increased food costs) that exceed what you normally pay.

Renters insurance can also apply to your possessions if they are stolen from your car or while you are on vacation, and it can cover items you borrow from other people. Some policies insure you for credit card fraud or check forgery.

Keep in mind that renters insurance doesn’t cover everything. Floods typically aren’t a covered risk, so if you live within the Ohio River flood plain you may need a separate policy.

How much is renters insurance in Cincinnati?

Renters insurance is affordable. The average cost of renters insurance in Cincinnati is around $15 per month. There are a number of discounts you may qualify for, including for holding multiple policies (e.g., renters and auto), having in-home safety features, using auto-pay and being claims-free.

Your exact premium will be a function of where you live, how much coverage you decide to purchase and the deductible. To choose the coverage limit for personal property, take an inventory of your belongings. Most renters get $20,000 - $30,000 worth of coverage. A common liability limit is $100,000.

Before you sign up for renters insurance in Cincinnati, read over a policy closely so you understand what your safety net looks like. That way, if you have to make a claim, there won’t be any surprises.

Policygenius

Policygenius

Policygenius is an online independent insurance broker that makes it easy to compare renters insurance policies and buy coverage. You don’t have to give up personal information to get quotes, and licensed experts are standing by to offer advice. Cincinnati consumers say they have found affordable insurance from Policygenius, which has helped over 4.5 million people across the U.S. shop for coverage.

EverQuote

EverQuote

EverQuote, the largest online insurance marketplace in the country, has provided over 35 million insurance quotes for shoppers. Fill out a simple online form, and top insurers will contact you to go over renters insurance policies in Cincinnati. Customers like how fast the process is, but some say they have been overwhelmed by offers.

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.