Ohio home insurance

Every figure below is sourced and dated. Estimates only — not quotes, and not offers of coverage.

Home insurance premium estimator

What homeowners insurance costs in your state, and whether what you pay is out of line.

Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.

What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.

Did your renewal go up more than premiums did across your state — and what to do about it.

All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.

Average premium: $1,943/ yr; At $300,000 of dwelling coverage.
Standard deductible: $1,000; Applies to everyday claims.
Storm deductible — separate, and much larger: $3,000(1% of coverage); What you would pay out of pocket on $300,000 of coverage before a storm claim pays anything — not the $1,000 above.
Insurer of last resort: Ohio FAIR Plan Underwriting Association; Ohio's FAIR Plan, established under Ohio Revised Code 3929.43 with its plan of operation at Ohio Administrative Code 3901-1-18. Open to anyone with an insurable interest in real or tangible personal property at a fixed Ohio location who has been unable to obtain basic property or homeowners insurance -- in practice the plan requires denial by at least two carriers, and it may inspect the property or gather additional underwriting information before deciding eligibility. Unusually for a FAIR plan it writes a true open-peril homeowners form (HO 0003) rather than fire-and-extended-coverage only, alongside Dwelling Property, Commercial Property, Farm Fire, and Residential and Commercial Crime programs. The maximum limit of liability is $2 million per location, aggregating building and contents or dwelling and personal property.