Homeowners Insurance Ohio

Ohio Home Insurance

Ohio Home InsuranceHomeowners insurance in the Buckeye State offers essential coverage for your home and its contents. As an Ohio resident, it’s important to have insurance that can protect your home. At The Hartford, we offer coverage to help if your home suffers from damage caused by things like:
  • Tornados
  • Viento
  • Incendio
  • Robo
  • Thunderstorms
These disasters often happen without warning. They can cause significant damage to your home or other structures on your property. Having good seguro de viviendas can help.
We’re here to help protect your home from financial loss, no matter where you live in Ohio. The Hartford has you covered whether your home is in Columbus, Cleveland, Cincinnati, Dayton or anywhere in-between. We’re the only home insurance company endorsed by AARP. With our flexible options, savings and expert service, you’ll know that your OH home is getting the best protection possible.

Ohio Homeowners Insurance Average Costs

According to the Insurance Information Institute (III), the average cost of a homeowners insurance premium in Ohio is $874. This makes Ohio one of the least expensive states in the country for home insurance, ranking number 44.
According to the III, many factors influence the premiums you pay for insurance in Ohio. Some include:
  • Your home's total square footage: The larger your home, the higher the premiums will likely be.
  • The building costs in your area: These costs include construction type, materials and features that may be added or subtracted from your bottom line.
  • Your home’s location: The local crime rates of your city, especially near your home, can impact your rates.
  • The natural disasters that may occur: Your home’s location might be more at risk for natural disasters, such as tornadoes. Earthquake and flood coverage are excluded, but can be purchased separately.

More About Ohio Home Insurance

Types of Ohio Homeowners Insurance

Home Insurance OhioUnlike Seguro para autos de Ohio, homeowners insurance isn't required by law in Ohio. However, if you finance your OH home with a mortgage, your lender may require some type of homeowners insurance coverage.
Most homeowners policies from The Hartford come with a wide range of coverages for different Ohio properties. At The Hartford, we include all of these Ohio home insurance coverages in your policy:
Personal Liability Insurance helps cover your legal defense against a liability claim or lawsuit. This coverage also helps pay for damages you’re liable for. For example, if your pet hurts a neighbor, this coverage can help pay for the injuries.
Dwelling insurance coverage  le permite proteger su hogar y las estructuras conectadas directamente al mismo. Your dwelling coverage can help protect both the inside and outside of your OH home, including its:
  • Calefacción
  • Aire acondicionado
  • Roof
  • Siding
  • Walls
  • Flooring
La cobertura de propiedad personal helps cover furniture, clothing and appliances. You can purchase additional coverage for valuable items and other special possessions. For instance, you may want additional coverage for your jewelry or collectible items.
Loss of use coverage helps pay for your additional living expenses if you can’t live in your home for a time. For instance, if you must stay in a hotel while your home is repaired after a covered loss, this coverage can help pay the bill.
Medical payments coverage helps pay emergency medical bills if someone who is not a regular resident of your home is injured on your OH property. These bills can be covered up to your policy limit, whether you’re legally responsible for the incident or not. It also covers any injury caused by a member of your family or your pet, no matter where it happens.2
Other structures coverage helps protect structures that are not directly attached to your home. For example, if your detached garage is damaged, this coverage can help pay the repair costs.

Additional Ohio Homeowners Insurance Coverages:

Valuable items blanket coverage provides extra coverage for your jewelry, china, crystal, silverware, guns and more. Many homeowners policies cap coverage for theft on jewelry up to a $1,500 limit, but The Hartford’s Valuable Items Blanket Coverage can increase the limit up to $10,000 per item. This coverage can also help cover mysterious disappearances.
“New for old” protection replaces your destroyed belongings with new ones of the same quality. So, if a fire destroys your furniture, we’ll help provide the actual cost to replace them.
Personal injury liability insurance helps cover damages from a slander or libel claim.
Reimbursement for replacing locks helps cover up to $500 to replace locks if your keys get lost or stolen.
Identity fraud expense coverage helps you recover after fraud or identity theft by compensating you for out-of-pocket expenses up to certain limits (see your policy for limits).
Disappearing property deductible,‡‡ which reduces your deductible each year if you go three consecutive years without filing a claim.
Additional Limits coverage helps cover the costs to rebuild your home if it is a total loss, up to 125% of your coverage limits.
Rental property protection plus provides coverage if you’re a landlord with a rental unit. It includes:
  • Replacement costs of your rental
  • Optional coverage for your detached structures
  • Property damage from vandalism or burglary
  • Your lawn, plants or shrubs that are damaged
  • Fair rental value, which is 20% of your dwelling coverage
Homeowners equipment breakdown coverage helps cover mechanical or electrical breakdowns in the home for items like home appliances or HVAC systems. For example, if your dishwasher’s electrical components break down, we can help cover your repair costs. Keep in mind this doesn’t cover normal wear and tear. This benefit also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly.

Ohio Home Insurance Discounts

There are many ways to save on your homeowners insurance in the Buckeye State. At The Hartford, we offer several types of descuentos para seguro de viviendas to help lower your premiums.

Bundled Insurance Discount

If you already have a car insurance policy with The Hartford, bundling it with your homeowners insurance can help you save. When you combinar el seguro, you'll qualify for up to 12% savings on your auto insurance and up to 20% savings on your homeowners insurance in Ohio.** Our customers save an average of $813 when they bundle their home and auto policies.**

Home Security Discount

The Hartford rewards homeowners for protecting their property. By installing devices, such as burglar alarms and fire sprinkler systems in your Ohio home, you can help lower your premium.
Discover the benefits of having your homeowners insurance with The Hartford. Find out what discounts you qualify for and get your quote today. Our specialists are here to help at 800-624-5578.
Última actualización: 3 de abril de 2024
2 Medical benefits are calculated on the basis of usual, customary, and reasonable charges.
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.