How you're covered

Ohio doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.

  • Other structures coverage protects detached structures, such as a fence or shed.

  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit, so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider.”

  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.

  • Medical payments to others pays for medical expenses due to a covered occurrence.

  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided.

Learn more about homeowners insurance coverages.

Common claims in Ohio

While Ohioans may not have to deal with fault lines or flooding from an ocean, severe storms may occur and cause harm. Your home insurance policy may cover damage to your home's structure and belongings caused by tornadoes and high winds, up to your policy's limits and minus your deductible. See more perils covered by home insurance.

Rising water levels in Lake Erie or other bodies of water may cause flooding issues for nearby homes. If your home is at risk, a flood insurance policy may protect your property and belongings against flood damage.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm System

  • Multi-policy

  • Quote in Advance

  • New Purchase

See more home insurance discounts we offer.

How much is homeowners insurance in Ohio?

Your cost for Ohio homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Do you own a rental or vacation property in Ohio?

If you own a rental property in Ohio, make sure it's protected with the right type of insurance policy. Learn more about landlord insurance policies and insurance for vacation or vacant homes.

Fast facts about homes in Ohio

  1. Cincinnati's Hyde Park neighborhood boasts a one-bedroom home right out of a child's fantasy, known as The Mushroom House.

  2. Ohio’s home ownership rate is 67.4% as of 2021, which is above the national average.

  3. About a century ago, Euclid Avenue in Cleveland was once dubbed "Millionaire's Row" with over 240 mansions spanning over four miles.

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