Home insurance · Ohio

Home Insurance Agencies in Ohio

Covers your building, your contents and your liability as a homeowner.

Local insight

Home insurance in Ohio: what to know

Ohio has 11,810,293 residents. We list 252 agencies for home insurance in Ohio. Here is what the local numbers say about the cover people here need.

Ohio at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Ohio

How many of Ohio’s 88 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

  • Ice storm22 of 88 counties

    Very High in Montgomery County, Lucas County.

  • Strong wind19 of 88 counties

    Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

    Home insurance in Ohio
  • Winter weather19 of 88 counties
  • Lightning17 of 88 counties

    Very High in Hamilton County.

    Fire and lightning are standard covered causes of loss on home policies.

    Home insurance in Ohio
  • Tornado10 of 88 counties

    Very High in Hamilton County, Cuyahoga County.

    Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

    Home insurance in Ohio
  • Hail7 of 88 counties

    Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

    Home insurance in Ohio

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Ohio

Ohio requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in OhioHow much liability cover do you need?

Source: insurance.ohio.gov. Checked 2026-10-24.

Insurance companies Ohio agencies work with

Of the 252 Ohio agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

  1. Travelers134 agencies
  2. Liberty Mutual119 agencies
  3. Safeco102 agencies
  4. Liberty Mutual (Safeco)100 agencies
  5. Progressive100 agencies
  6. Travelers (Standard Fire)92 agencies
  7. The Hartford81 agencies
  8. Nationwide74 agencies
  9. Chubb70 agencies
  10. Nationwide (Colonial)66 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Home insurance in Ohio

All insurance agencies in Ohio · Home insurance in every state

Where can I find home insurance in Ohio?

Pick your city in the list on this page to see every agency there that offers home insurance, or search by name or ZIP code.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Which insurance companies do Ohio agencies work with?

Among the 252 Ohio agencies whose appointments we hold, the companies they are most often appointed with are Travelers (134), Liberty Mutual (119), Safeco (102), Liberty Mutual (Safeco) (100), Progressive (100). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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