5 Best Cincinnati Homeowners Insurance Companies (2025)
Buckeye Insurance and Ohio Mutual offer some of the best homeowners insurance policies in Cincinnati.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Table of contents
Table of contents
Cincinnati homeowners pay an average of $1,564 per year for home insurance with a $1,000 deductible and $300,000 in dwelling coverage, according to Insurify data. This is significantly lower than the national average of $2,511 per year for the same coverage.
While Cincinnati has affordable homeowners insurance, a standard policy that protects your home and belongings doesn’t cover flood damage. If your home is at risk for flooding, you may want to invest in additional flood insurance.
Here’s what you need to know about home insurance in the Queen City.
Quick Facts
Buckeye Insurance, Ohio Mutual Insurance, and Westfield Insurance offer the cheapest homeowners insurance policies in Cincinnati.
Cincinnati residents can purchase flood insurance from the National Flood Insurance Program.[1]
Homeowners insurance in Cincinnati with $400,000 in dwelling coverage costs an average of $1,980 per year — slightly more than a policy with $300,000 in dwelling coverage.
Best home insurance companies in Cincinnati
Several of the leading homeowners insurance companies serve Cincinnati residents. The right homeowners insurance company for you will depend on your particular budget, needs, and preferences.
To help you start your search, here are four of the best homeowners insurance companies in Cincinnati.
Cheap rates: Buckeye Insurance
Buckeye Insurance has some of the lowest premiums for home insurance policies in Cincy. The company has an average annual rate much lower than the state and national averages. Buckeye Insurance also offers helpful add-ons, like service line coverage and equipment breakdown coverage.
Pros
Some of the cheapest premiums in the city
Multiple add-ons available
Cons
No advertised discounts
Quotes not available online
Best insurer for veterans: Ohio Mutual Insurance
About 5% of Cincinnati residents in Queen City are veterans. If you’re a veteran in the area, you may want to explore Ohio Mutual Insurance. The insurer offers a veteran discount that can help you score a lower premium. Plus, you can choose from a long list of additional coverage options and work with a local insurance agent to find the ideal home insurance policy for your unique situation.
Pros
Local insurance agents
Wide selection of add-ons
Cons
Not rated by J.D. Power for customer satisfaction
No bundling discount advertised
Best insurer for people with home-based businesses: American Family
people with home-based businesses
American Family
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 638 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $114/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $155/mo |
If you own a home-based venture in Cincy, American Family should be on your radar because of its home business coverage. Through this add-on, you’ll receive extra protection for your small business that you run out of your home. You can quickly get a quote online and manage your policy on the go with the convenient MyAmFam mobile app.
Pros
Quotes available online
Highly rated mobile app
Cons
Must work with an insurance agent to finalize your policy
Higher premiums than some insurers
Best insurer for personalized service: Cincinnati Insurance
personalized service
Cincinnati Insurance Companies
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | Not rated |
Cincinnati Insurance Company has independent insurance agents who work with Cincinnati residents in search of the perfect home insurance policy. If you’d like personalized service through a local independent agent, this home insurance company may be a good fit.
Cincinnati Insurance offers the Executive Homeowner Policy for homes of all values and the Executive Capstone Policy or Executive Classic Policy for higher-value properties.
Pros
Local independent agents sell coverage
Special policies for high-value homes
Cons
No advertised discounts
Not rated by J.D. Power
Best insurer for high-value homes: Nationwide
NationwideCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 641 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $187/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $262/mo |
If you have a high-value home in Cincinnati, you might want to consider getting a policy with Nationwide. The insurer’s Brand New Belongings coverage pays you the depreciated value of your items and reimburses you for anything above what it costs to replace or repair them. Nationwide also offers dwelling replacement cost coverage and Values Plus coverage for high-value items, like jewelry, antiques, and fine art.
Pros
Multiple discounts for homeowners and renters insurance
Intuitive online account management tools
Enhanced coverage through Nationwide Private Client, including temporary arrangements, service line, and equipment breakdown insurance
Cons
Doesn't provide homeowners coverage in Alaska, Hawaii, New Mexico, Louisiana, Florida, New Jersey, or Massachusetts
Doesn't cover mobile or manufactured homes
Slightly lower than average rating in J.D. Power's Overall Customer Satisfaction Index for homeowners insurance
Our editorial team analyzed regional and national home insurance companies that sell policies in Cincinnati to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Cincinnati?
The average cost of homeowners insurance with $300,000 in dwelling coverage in Cincinnati is $130 per month, or $1,564 per year, for a policy with a $1,000 deductible. This is slightly lower than the statewide average of $131 per month, or $1,576 per year, for the same coverage levels.
Various factors will determine your rate, including your coverage level, the value of your personal belongings, the size of your home, the deductible you choose, and your history with home insurance claims.
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Cheapest home insurance companies in Cincinnati
If your goal is to land the cheapest home insurance coverage in Cincinnati, Farmers is your best bet. On average, Cincy policyholders with coverage from Farmers pay $75 per month for $300,000 in dwelling coverage.
The table below highlights the cheapest home insurance companies in Cincinnati.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $900 |
| Travelers | $1,020 |
| Allstate | $1,032 |
| USAA | $1,260 |
| American Family | $1,368 |
| Westfield | $1,512 |
| Foremost | $1,620 |
| Auto-Owners | $1,632 |
| State Farm | $1,692 |
| Erie | $2,076 |
| Nationwide | $2,244 |
| Encompass | $2,820 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $1,416 |
| Farmers | $1,452 |
| USAA | $1,716 |
| Travelers | $1,788 |
| Westfield | $1,848 |
| American Family | $1,860 |
| State Farm | $2,268 |
| Auto-Owners | $2,460 |
| Erie | $2,988 |
| Foremost | $3,072 |
| Nationwide | $3,144 |
| Encompass | $4,128 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $1,932 |
| Farmers | $2,148 |
| USAA | $2,244 |
| American Family | $2,460 |
| Westfield | $2,508 |
| Travelers | $2,616 |
| State Farm | $2,976 |
| Auto-Owners | $3,540 |
| Nationwide | $4,020 |
| Erie | $4,260 |
| Foremost | $5,364 |
| Encompass | $5,544 |
How much homeowners insurance do you need in Cincinnati?
Ohio doesn’t require home insurance. But if you have a mortgage on your home, your mortgage lender or company will probably require you to have a policy.
These are the four main components of a standard home insurance policy:
Dwelling coverage: This pays to repair or rebuild your home if a covered peril damages or destroys it. You’ll want to choose enough dwelling coverage to rebuild your home if it’s a total loss.
Personal property: If a covered peril damages your belongings, such as clothing, furniture, or electronics, home insurance will pay to replace them. Creating a home inventory can help you determine how much personal property coverage you need.
Additional living expenses: If your home becomes uninhabitable, this portion of your policy pays for your temporary living expenses beyond the norm, such as hotel stays.
Personal liability: If someone is injured on your property and they sue you, this will pay for medical bills and any legal fees.
When determining how much home insurance you need, think about your home’s unique features, the value of your belongings, and your personal liability risks. If you aren’t sure what coverage limits to select, your insurance agent can help.
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What to know about home insurance in Cincinnati, OH
As a Cincinnati homeowner, it’s a good idea to prepare yourself for a few risks and natural disasters that might affect your home, such as:
Floods
Floods do occur in Cincinnati. Since a basic homeowners policy won’t cover them, you’ll need to look for flood insurance through the National Flood Insurance Program or a private insurance agency.
Storms
Storm damage is a possibility in Cincinnati. The good news is home insurance helps pay for certain causes of storm damage, like wind damage, so you won’t need to buy a separate policy.
Theft
Theft rates in the Queen City are high in certain areas. Fortunately, a standard home insurance policy with personal property coverage will apply to vandalism and theft-related home insurance claims.
Average cost of home insurance in other cities in Ohio
Your city and ZIP code within Ohio will influence your home insurance premiums. Different cities and areas can yield different homeowners insurance quotes as a result of variances in weather, crime rates, and proximity to fire stations. For example, if you live in a flood zone, you can expect higher rates than a Cincinnati resident in a low-risk flooding area.
Find out how rates compare in some other Ohio cities. Premiums shown below are for policies with a $1,000 deductible and $300,000 in dwelling coverage.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
City | Average Annual Premium |
|---|---|
| Akron | $1,397 |
| Cleveland | $1,420 |
| Canton | $1,456 |
| Columbus | $1,492 |
| Youngstown | $1,528 |
| Toledo | $1,552 |
| Cincinnati | $1,564 |
| Dayton | $1,599 |
Cincinnati homeowners insurance FAQs
The following information can help answer your remaining questions about finding homeowners insurance in Cincinnati.
The average cost of home insurance in Cincinnati for a policy with $300,000 in dwelling coverage and a $1,000 deductible is $1,564 per year. The exact amount you pay for home insurance will ultimately depend on your location, coverage limits, deductible, and more.
Farmers has the cheapest homeowners insurance in Cincinnati, with an average monthly premium of $75 for a policy with $300,000 in dwelling coverage.
Ohio Mutual Insurance and Westfield also have affordable monthly premiums, though you should always compare home insurance quotes from multiple insurance companies before buying a policy.
No single “best” company exists for every homeowner. But Buckeye Insurance, Ohio Mutual, and Cincinnati Insurance are a few of the best home insurance companies in Cincinnati.
No. Ohio state law doesn’t require you to purchase homeowners insurance. But your mortgage company will require it as a condition of your mortgage.
Even if you don’t need to, you should purchase home insurance to protect your home and valuable assets in case of property damage. It can also cover medical expenses and legal costs if someone sues you after incurring an injury at your home.[2]
On average, homeowners in Ohio pay $1,576 annually for a policy with a $1,000 deductible and a dwelling limit of $300,000. How much you pay will depend on your city, ZIP code, and more.
To find the best coverage for your home, you should compare quotes and coverage options from multiple companies.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- City of Cincinnati. "Flood Safety."
- Insurance Information Institute. "Homeowners Insurance Basics."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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