The best home insurance companies in Ohio are American Family, State Farm, Nationwide, Farmers, and Allstate. American Family ranks first for affordability and customer service, while Nationwide excels in coverage options. Compare all our top picks below.
Best Homeowners Insurance in Ohio
Updated: June 23, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Ohio are American Family, State Farm, and Nationwide.
American Family offers the best overall home insurance for most Ohio homeowners. If you have an older home, American Family is the better option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Ohio?
| American Family | 93 | 1 | 1 | 2 |
| State Farm | 91 | 2 | 2 | 3 |
| Nationwide | 82 | 3 | 4 | 1 |
| Farmers | 73 | 5 | 3 | 5 |
| Allstate | 67 | 4 | 5 | 3 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| American Family | 93 | Overall |
| American Family | 93 | Older Homes |
| American Family | 93 | Newer Homes |
| American Family | 93 | High-Fire-Risk Areas |
| American Family | 93 | Bad Credit |
| American Family | 93 | With Claims History |
Best Ohio Home Insurance by City
Home insurance provider rankings in Ohio cities can vary based on affordability, local customer service, and available add-on coverages. For instance, American Family ranks best in Akron and Cincinnati, while State Farm tops the list in Dayton and Toledo. Explore our section highlighting the top overall providers by city to help you choose the right option locally.
| Akron | American Family | 92 |
| Cincinnati | American Family | 93 |
| Cleveland | American Family | 92 |
| Columbus | American Family | 93 |
| Dayton | State Farm | 92 |
| Toledo | State Farm | 92 |
Best Ohio Home Insurance Reviews
Explore our top home insurance picks, spotlighting providers that excel in affordability, deliver excellent customer service, and offer a range of coverage options for residents.
American Family: Best for Affordability and Customer Service
American Family is the most affordable option for homeowners insurance in Ohio, as well as the best for customer service in the state. Its J.D. Power scores are just around the national average for both claims and customer satisfaction according to recent studies. Its coverage options are also strong, offering service line coverage, matching siding protection, and hidden water damage coverage.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes in High-Fire-Risk Areas | $89 | $1,065 |
| Newer Homes | $89 | $1,065 |
| Older Homes | $131 | $1,571 |
| Older Homes in High-Fire-Risk Areas | $131 | $1,571 |
Nationwide: Best for Coverage
For new homeowners in Ohio, Nationwide is the most affordable option for home insurance. Its extensive coverage includes unique add-ons like better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes | $49 | $593 |
| Newer Homes in High-Fire-Risk Areas | $56 | $671 |
| Older Homes | $134 | $1,613 |
| Older Homes in High-Fire-Risk Areas | $152 | $1,825 |
How to Find the Best Home Insurance in Ohio
Finding the right insurance can be tricky, so we've created a clear guide to help you navigate the process and choose coverage that fits your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside, and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in Ohio to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings, such as bundling or installing home safety devices.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Ohio. Evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Ohio: Bottom Line
American Family, State Farm and Nationwide are the best-rated homeowners insurance providers in Ohio. Still, shopping around and reviewing coverage details can help you choose the right insurer for your specific needs.
Best Home Insurance in Ohio: FAQ
To help you navigate your options, we've answered common questions about selecting a home insurance provider in Ohio.
Which company is best for home insurance in Ohio?
American Family is the best homeowners insurance provider in Ohio due to its top rankings in affordability, customer service, and coverage options. State Farm, Nationwide, Farmers and Allstate are also excellent alternatives in the state.
Who has the most affordable homeowners insurance in Ohio?
Finding the most affordable homeowners insurance in Ohio hinges on an individual's specific circumstances and coverage needs. Currently, the average cost of homeowners insurance in Ohio is $1,305 annually.
How do you get the best homeowners insurance in Ohio?
To find the best home insurance in Ohio, determine your coverage needs, evaluate costs and providers, and get and compare quotes from several insurers.
How We Decided the Best Home Insurance in Ohio: Our Methodology
We rated the best homeowners insurance providers in Ohio using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.