In order to get the best home insurance policy in Ohio, it's important that you choose a plan with adequate coverage. It's important that you find a company offering affordable rates with excellent customer service.
The Best Homeowners Insurance Companies in Ohio
Location, the age of the house and its condition, the deductible amount and whether you select flood, fire, or earthquake coverage are all factors that affect the cost of an homeowners policy. These factors are what can determine whether you get a low home insurance rate or one that's expensive.
Cincinnati Financial has the lowest home insurance prices in Ohio. The average is less than half what it costs elsewhere. It offers an array of different policies that can be tailored to your needs.
Cincinnati Financial also offers very affordable rates for older homes.
The average annual cost of homeowners coverage in Ohio for this company is $529. That works out to $44 each month. This is 56% below the state average. Its customer services are also very high rated. Fewer than half its customers report problems.
MoneyGeek reviews thousands of quotes provided by dozens of insurance companies to determine those that offer the most value. We score each insurer based on their affordability, level of customer service, and quality of home insurance quotes.
The cheapest home insurance in Columbus costs an average of $1,050 a year. Although slightly higher than statewide average $1,399 it is still significantly cheaper than many other cities.
Bundling the home policy with your auto policy can lower your rates. Bundling policies can result in discounts of up to 25%.
Furthermore, homeowners who choose to replace their roof can save on home insurance. This is because, in the event that a claim is made, a roof that has been replaced will be worth much more.
You should always buy enough coverage to replace the value of your home. If you have additional coverage, it can be used to cover damage that is not covered under your current policy.
Another great option is to choose a deductible that's relatively low. As an example, a $500 deductible is often cheaper than $2,000, which is the best option for low-risk homeowners.
The best homeowners insurance is a difficult choice, but with research and some patience, you can find the plan that works for your budget. MoneyGeek's new tool makes it easier than ever for you to compare insurance rates.