Columbus is situated on a relatively flat plain in central Ohio. The Scioto River cuts through the city, and nearby homeowners can enjoy a string of parks with interactive fountains and trails on both sides of the river.
If you enjoy experiencing four distinct seasons, from the warm days of summer to crisp snowfall in the winter, you’ll love Columbus. Called “The Biggest Small Town in America,” it’s an excellent place to purchase a home.
But with homeownership comes the need for insurance. Columbus has floods, tornadoes, and other severe weather events. For homeowners, finding the best and cheapest homeowners insurance is critical to protecting their homes from damage.
Insurify is here to help. It only takes two minutes to search half a dozen or more insurance companies to compare rates.
Overpaying for Columbus homeowners insurance?
How to Find Cheap Home Insurance in Columbus
The Columbus housing market is competitive. The median sale price of homes has gone up nearly 15 percent year over year for the past three years, and some homes can sell for 5 percent over the listing price.
All of that can add up to a significant investment. As a homeowner, protecting your investment from risk is likely high on your list of priorities. And that’s why you need home insurance.
Homeowners insurance is a great first line of defense against risk. Ohio doesn’t require home insurance by law, but having it will provide financial liability protection for your property and belongings from natural disasters, vandalism, and theft.
Depending on your unique needs, home insurance companies can offer different coverage levels to match your property type, location, and other factors.
Keep reading for a full guide on Columbus home insurance.
MORE ON OHIO HOME INSURANCE
For general information on Ohio home insurance, check out our guide to the best homeowners insurance in Ohio. For more city-specific information, here are our guides to Cincinnati homeowners insurance and Toledo homeowners insurance.
Cheapest Home Insurance in Columbus by Company
Homeowners insurance rates aren’t always designed with savings in mind. That’s where Insurify comes in.
As of 2021, the average home insurance premium in the Columbus area costs $2,242 annually, and the median home value is $225,835.
That’s a big chunk of change, considering the area has a cost of living that’s 10 percent below the national average.
You want great coverage, but you also need to find a policy that fits your budget. Finding cheap home insurance quotes can help. Let’s take a look at the average cost of homeowners insurance in Columbus from places like Allstate, State Farm, and Nationwide.
|Average Home Cost in Columbus||Average Annual Insurance Premium in Columbus|
Cheapest ZIP Codes in Columbus for Home Insurance
How much you pay for your home in Columbus can vary from one neighborhood to the next. But home insurance varies in price from city to city, too.
Insurance quotes have ZIP code–specific pricing based on variables in the area, such as the volume of claims filed nearby, crime rates, property costs, and risks such as natural disaster frequency. Even your specific neighborhood may determine if you pay more or less on your annual premiums.
Rates in Columbus can be relatively high or low compared to the national average; it all depends on which area you live in. Here are the most and least expensive ZIP codes in Columbus for home insurance.
|Most Expensive Real Estate in Columbus||Cheapest Real Estate in Columbus|
|Upper Arlington||$467,029||South Central Hilltop||$87,902|
|Worthington Highlands||$256,902||Holly Hilltop||$144,423|
Home value data from zillow.com
Cut Columbus Home Insurance Costs
Home Insurance Coverage Types in Columbus
There are several types of home insurance. Specific terms of insurance policies may vary by city, but in general, the standard policy types are as follows:
Mobile Home Form
Columbus Home Insurance and Tornadoes
Ohio sits on the eastern border of Tornado Alley, a region of the U.S. with an excessively high frequency of tornadoes. It’s no surprise that one of the most damaging natural hazards in Columbus is tornadoes. While many occur in the southwestern part of the state near Cincinnati and Dayton, Columbus has seen its fair share of cyclones.
Fortunately, Ohio homeowners insurance policies generally cover wind-related damage, such as fallen trees or missing shingles. However, heavy rain and flooding can accompany tornadoes—and homeowners insurance doesn’t cover flood-related damage.
Flooding Insurance in Columbus, Ohio
Flooding is another common hazard in Columbus. Tornadoes, heavy rain, and rapidly melting snow and ice can lead to flood damage. The trouble is those home insurance policies don’t cover flood-related damage.
You must get additional coverage in a separate policy to protect your home against potential loss from flooding. While it was once only available through the National Flood Insurance Program (NFIP), private insurance companies can now offer flood insurance policies. Check with your insurance agent if you’re in a flood-prone area.
Buying a home can be exhausting—don’t let insuring it get in the way of enjoying your new property.
Frequently Asked Questions - Columbus Homeowners Insurance
Should I bundle my Ohio home and auto insurance together?
Bundling your home and auto insurance can qualify you for a multi-policy discount. For many homeowners, the discount lowers home insurance rates. Many of the best homeowners insurance companies have bundling discounts. Comparing the average rate of purchasing separate policies to the bundled price helps ensure you’re getting the lowest rates.
How do I find the best home insurance in Columbus?
When you’re looking for a great policy, the last thing you want is the hassle of dealing with home insurance companies. The best home insurance can depend on your home’s neighborhood, square footage, features, and more. Review homeowners coverage options and choose a deductible that works for you when shopping for home insurance. You can take advantage of home insurance comparison sites to make it easier to shop around.
Can I get insurance for the house I’m renting?
If you’re a renter, a standard home insurance policy won’t cover your personal belongings inside or outside the home. The homeowner generally has standard coverage to protect the structure of the house. But it’s up to you to purchase renters insurance to protect your possessions.
Conclusion: How to Find the Cheapest Home Insurance in Columbus
Finding the best home insurance in Columbus is possible. The right coverage depends on your unique needs, so shopping around and getting multiple insurance quotes is a smart move. It can save time and money to use a comparison shopping site to review Columbus home insurance rates side by side
Use Insurify to compare home insurance premiums for your property in Columbus.
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