Ohio renters insurance

Ohio renters insurance coverages

Check out the four standard coverages on nearly all Ohio renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
• Loss of use 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
• Personal liability 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

Additional coverages

The best renters insurance in Ohio is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
• Personal injury coverage: May pay for legal fees and damages if you're liable for slander or defamation.
• Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in Ohio?

Renters insurance in Ohio isn't required by law, but your landlord or rental company might require you to have a policy before you can move in. Even if it's not required, renters insurance may provide critical protection for your belongings as well as liability coverage if you're responsible for someone's injuries or damages.

Is renters insurance worth it in Ohio?

Renters insurance provides affordable coverage for tenants in a variety of circumstances. For example:

• Your apartment is broken into, and your electronics are stolen. Personal property coverage may pay to replace your stolen items, up to your coverage limit.
• Your dog bites a visitor in your home. Liability coverage may pay for their medical bills, up to the limits of your coverage.
• You must move out of your apartment while major repairs are being made after a fire. Loss of use coverage may pay for your temporary lodging while your residence is being rebuilt.

How much is renters insurance in Ohio?

Progressive renters policies in Ohio had an average monthly price of $17.04, or $204.42 for an annual policy, in 2023.^** Remember that your cost for renters insurance is determined by many components, including your location, type of residence, and claims history.

Coverage limits may also affect your renters insurance premium. Generally, the more personal property coverage you need, the more you pay for a renters policy. Use our personal property calculator to help you take a home inventory and estimate the value of your belongings.

How can I save on renters insurance in Ohio?

Take advantage of renters insurance discounts with Progressive. You may be able to save by bundling multiple policies, quoting in advance, paying in full, and living in a secured or gated community.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436 or speak to a local agent to help ensure you're getting all applicable discounts.