5 Best Cleveland Homeowners Insurance Companies (2026)
Allstate, Erie Insurance, and Grange are some of the best home insurance companies in Cleveland.
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Written byKat Tretina
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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
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Edited bySara Getman
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Sara GetmanAssociate Editor
Updated
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With lower-than-average home costs and a low risk of natural disasters, homeowners insurance in Cleveland is relatively affordable. On average, homeowners in Cleveland pay $1,608 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, compared to the national average of $2,868 per year.
The cost of your Cleveland homeowners insurance policy will depend on several factors, including your property value, home age, and whether you need additional flood coverage. Here’s what you need to know before you start shopping for home insurance coverage in Cleveland.
Quick Facts
Home insurance policies in Cleveland average $1,713 per year for policies with $300,000 in dwelling coverage and a $500 deductible.
While Cleveland has a low risk for natural disasters, it does have a higher-than-average rate of home burglaries and property crime.
Allstate offers the cheapest insurance rates for Cleveland homeowners, with an average monthly rate of $88.
Best home insurance companies in Cleveland
Many reputable insurance companies offer homeowners insurance in Cleveland, including national and regional insurers. The best company for you will depend on your insurance needs, property type, and budget.
To help you get started, we identified some of the best insurance companies in the city based on their rates, coverage options, and customer satisfaction ratings.
Allstate: Best for bundling coverage
| 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. | 8.2 /10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 631 |
| $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. | $88/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. | $122/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.08
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company
Allstate is one of the largest insurance companies in the country. It offers a wide range of insurance products for homeowners who need multiple forms of insurance. Besides low home insurance rates, Cleveland homeowners can also insure their vehicles, purchase life insurance, and even get coverage for their jewelry or pets.
By bundling your homeowners insurance with a car insurance policy, you can save up to 25% with Allstate’s multi-policy discount.
Pros
Cheaper-than-average premiums
Quotes available online
Multiple insurance products
Cons
Below-average J.D. Power customer satisfaction rating
Poor Trustpilot rating
Above-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Grange Insurance: Best for older homes
| 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 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
| $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. | $184/mo |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
Why we picked this company
The average age of homes sold in Cleveland 2024 was 65. Older homes can be more expensive to insure, so Grange’s competitive rates make it a standout choice.
Plus, Grange Insurance has stellar customer reviews. It has a 4.8 Trustpilot rating based on more than 100 reviews. Customers praised the company’s helpful staff and clear communication.
Pros
Cheaper-than-average rates
Customizable coverage options
Excellent Trustpilot rating
Cons
Quotes not available online
Few other insurance products
Limited discounts
Erie: Best customer service
| 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. | 7.4 /10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 674 |
| $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. | $190/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. | $278/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.45
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
You hope you never have to use your homeowners insurance. But if a disaster occurs, you want to know your insurance company is in your corner. When it comes to customer service, J.D. Power rates Erie Insurance No. 3 out of 28 insurance companies based on its products, claims communication, and pricing.
Erie is also among the cheapest homeowners insurance companies in Cleveland. This combination of factors means you can get reliable protection at an affordable rate.
Pros
Excellent J.D. Power customer satisfaction rating
Cheap rates
Base policy includes guaranteed replacement coverage
Cons
Available in only 12 states
Can’t get a quote online
Limited policy details on company website
Armed Forces Insurance: Best for veterans
Cleveland is part of Cuyahoga County, an area where about 6% of the adult population is veterans. If you’re a veteran, active-duty service member, or a family member of a qualifying veteran or service member, you may be eligible for cheap insurance through Armed Forces Insurance.
On top of affordable rates, Armed Forces Insurance also has several discounts. You can reduce your premiums if you qualify for gated or guarded community, windstorm mitigation, or new roof discounts.
Pros
Cheaper-than-average rates
Flood insurance available
Multiple discounts
Cons
Available only to veterans and active-duty service members
Limited customer reviews on Trustpilot
Can’t get a quote online
Buckeye Insurance Group: Best local company
Big names may be the first companies you think of when you need insurance. But regional insurers like Buckeye Insurance Group can be excellent options. Buckeye offers low average rates and has local agents in the Cleveland area. It can be helpful to work with a company that’s knowledgeable about the unique risks in Cleveland.
Plus, Buckeye offers some insurance coverages that can provide added protection, such as homeowner equipment breakdown coverage.
Pros
Affordable rates
Local agents
Optional coverages available
Cons
Can’t get a quote online
AM Best financial strength rating of B+ (Good) is lower than some insurers
Few customer reviews available
Our editorial team analyzed regional and national home insurance companies that sell policies in Cleveland 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, bundling options, and specialty or supplemental coverages.
How much is home insurance in Cleveland?
On average, Cleveland homeowners pay $134 per month for a policy with $300,000 in dwelling coverage and a $1,000 deductible. This is higher/lower than the Ohio statewide average of $148 per month.
Several factors affect your rates, including:[1]
Property value: The higher your home’s property value, the more dwelling coverage you’ll need, and the higher your premiums will be.
Deductible: Your home insurance deductible is how much you have to pay out of pocket for repairs or damages before your insurance kicks in. If you opt for a higher deductible, you take on more of the cost if you submit a claim, so you’ll pay a lower premium.
Added coverage: Cleveland homes in areas prone to flooding and water damage, such as those along the Cuyahoga River, may need separate flood endorsements or stand-alone policies. This can increase your overall insurance costs.
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Cheapest home insurance companies in Cleveland
Homeowners insurance rates can vary significantly by insurer. In Cleveland, the difference can be hundreds or even thousands of dollars per year, so it pays to request quotes from several insurance companies at least once per year.
The table below highlights the cheapest insurers for properties in Cleveland.
The below rates in Cleveland, OH, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Farmers | $744 |
| Travelers | $828 |
| Allstate | $852 |
| Foremost | $1,092 |
| USAA | $1,116 |
| American Family | $1,152 |
| Auto-Owners | $1,272 |
| Westfield | $1,284 |
| State Farm | $1,332 |
| Erie | $1,656 |
| Nationwide | $1,956 |
| Encompass | $2,232 |
The below rates in Cleveland, OH, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $1,464 |
| Farmers | $1,860 |
| Travelers | $1,920 |
| American Family | $2,052 |
| USAA | $2,100 |
| Westfield | $2,124 |
| State Farm | $2,220 |
| Auto-Owners | $2,556 |
| Foremost | $3,096 |
| Erie | $3,336 |
| Nationwide | $3,672 |
| Encompass | $4,608 |
The below rates in Cleveland, OH, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $2,040 |
| American Family | $2,748 |
| Travelers | $2,760 |
| USAA | $2,832 |
| Westfield | $2,856 |
| Farmers | $2,880 |
| State Farm | $2,892 |
| Auto-Owners | $3,504 |
| Erie | $4,644 |
| Nationwide | $4,944 |
| Foremost | $5,400 |
| Encompass | $6,300 |
How much homeowners insurance do you need in Cleveland?
A homeowners insurance policy has several parts:
Dwelling coverage
Dwelling insurance protects the structure of your home.
Personal property coverage
This protects your personal property inside your home, like electronics, furniture, appliances, valuables, and home decor.
Liability coverage
Liability insurance protects you if someone gets an injury on your property and sues. It also protects you if you damage someone else’s property.
Additional living expenses coverage
If a peril damages your home and you have to temporarily live somewhere else, loss of use insurance can help cover the costs.
When deciding how much dwelling coverage you need, a general rule of thumb is to multiply your home’s square footage by the local, per-square-foot building cost. For example, in Cleveland the local rate is $145–$160, and homes are typically about 1,800 square feet. Assuming that square footage, you should purchase $261,000–$288,000 of coverage.[2]
But you may need a higher coverage limit if you use luxury materials in the construction of your home, if construction costs are particularly high in your area, or if you have a higher-value property.
Depending on what personal items you have, you may also need to add insurance endorsements to your policy. For example, if you have artwork, jewelry, or a baseball card collection, you may need added protection to fully cover your items.
What to know about home insurance in Cleveland, OH
Whether you were born and raised in the Forest City or are relocating to work in one of the city’s renowned medical facilities, here are some things you need to know about home insurance in Cleveland:
Property values: Property values tend to be lower in Cleveland than in other parts of Ohio, so you may be able to purchase a cheaper home and have lower home insurance premiums.
Crime: Cleveland has a much higher property crime rate than the rest of the state. To protect your home, and potentially qualify for discounts on your premiums, consider installing a home security system.
Flooding: While Cleveland is a relatively low-risk city for natural disasters, homes along the Cuyahoga River and low-lying properties are prone to flood and water damage. You may need a separate flood insurance or water backup policy to protect your home. You can purchase flood insurance through a private insurer or the National Flood Insurance Program (NFIP).
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Average cost of home insurance in other cities in Ohio
Where you live affects your insurance premiums. Residents in different cities, and even different ZIP codes, can sometimes pay hundreds more for insurance due to higher property values, crime rates, natural disaster risks, or weather patterns.
The table below shows the average premiums for major cities in Ohio:
The below rates in Cleveland, OH, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
City | Average Annual Premium: $300,000 Dwelling Coverage |
|---|---|
| Akron | $1,596 |
| Cleveland | $1,608 |
| Canton | $1,632 |
| Youngstown | $1,704 |
| Columbus | $1,740 |
| Toledo | $1,740 |
| Cincinnati | $1,776 |
| Dayton | $1,824 |
Cleveland homeowners insurance FAQs
If you’re shopping for homeowners insurance in Cleveland, the following information can help you find affordable coverage.
In Cleveland, the average homeowners insurance premium is $134 per month for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows.
Allstate offers the lowest rates in Cleveland. On average, a policy from Allstate costs $88 per month for $300,000 in dwelling coverage.
No single insurance company is best for all Cleveland homeowners. Depending on your situation, Allstate, Grange, and Buckeye Insurance Group are likely to be among the best insurers.
Many insurance companies require you to insure your home for at least 80% of its replacement cost. If you don’t meet that requirement, you may not receive a full payment for a claim. Over time, your home’s value can change, so you may need to adjust your coverage.
In Cleveland, homeowners pay an average of $201 per month for a $500,000 dwelling insurance policy.
It can. In Ohio, the state allows insurance companies to consider your credit-based insurance score when setting your insurance premium. In general, homeowners with good credit can qualify for cheaper rates.[3]
Sources
- III. "Homeowners Insurance Basics."
- III. "How much homeowners insurance do I need?."
- Ohio Department of Insurance. "Credit-Based Insurance."
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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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
Sara GetmanAssociate Editor