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Essential

Why Home Insurance is Important in Ohio

Ohio's diverse climate and geography present specific challenges for homeowners. As a homeowner, it’s essential to consider these common risks when selecting your home insurance policy:

  • Severe Storms: Ohio experiences intense thunderstorms, hail, and even tornadoes during spring and summer, which can cause extensive property damage.
  • Flooding Risks: Heavy rains and proximity to rivers and lakes can increase the likelihood of flooding, especially in low-lying areas.
  • Winter Weather: Harsh winters in Ohio bring snow, ice, and freezing temperatures, potentially leading to issues like burst pipes and roof damage from ice dams.
  • Wind Damage: Strong winds are frequent in Ohio and can contribute to structural damage, particularly to roofs and slides.

Coverage

What Does Home insurance Cover in Ohio?

Most standard homeowners’ insurance policies in Ohio include the following essential coverage:

  • Dwelling Coverage: Protects the structure of your home against perils such as fire, hail, and windstorms.
  • Personal Property Coverage: Covers belongings such as furniture, clothing, and electronics if they are damaged or stolen.
  • Liability Coverage: Provides financial protection if someone is injured on your property or you cause damage to someone else's property.
  • Additional Living Expenses (ALE): Covers temporary living costs if your home becomes uninhabitable due to a covered event.

Options

Additional Coverage Options for Ohio Homeowners

To better safeguard your home in Ohio, consider adding these optional coverages to your policy:

  • Flood Insurance: Since flooding is not covered by standard policies, flood insurance is a critical add-on for homeowners in high-risk areas. Many get flood policies from the National Flood Insurance Program (NFIP), however private insurers do offer policies as well.
  • Sewer Backup Coverage: Protects against damage caused by backed-up sewers or sump pump failures, which can occur during heavy rains.
  • Roof Replacement Coverage: Ohio’s weather can take a toll on your roof, and this additional option ensures full coverage for replacement.
  • Earthquake Coverage: While rare, there is a fault line in eastern Ohio that sees seismic activity. Homeowners near Cambridge may want to consider this additional coverage.

Get a Home Insurance Quote for Ohio Today

Protect your Ohio home with ease through Goosehead Insurance. We’re here to help you find a personalized home insurance policy that fits your needs and budget. Request a no-obligation quote today to start securing your most valuable asset.

Call us now or click below to explore top-rated policies and discover affordable, tailored home insurance in Ohio.


New Customers Call 833-779-4090

Cost

How Much Does Home Insurance Cost in Ohio?

The cost of home insurance in Ohio depends on several factors, including:

  • Location: Homes in areas prone to flooding or severe storms may have higher premiums.
  • Construction and Age of Home: Older homes or those built with specific materials might cost more to insure.
  • Claims History: A history of past claims can impact the pricing of your premium.
  • Deductible Choices: Lower deductibles mean higher premiums, while higher deductibles can reduce monthly costs.

On average, Ohio homeowners pay roughly between $900 and $1,200 annually for home insurance, though this varies depending on coverages and the price of the home. With Goosehead Insurance, you can compare policies effortlessly to find the right coverage at competitive prices.

Save

Ways to Save on Home Insurance in Ohio

Here are a few strategies to help reduce your home insurance premiums:

  • Bundle Policies: Combine your auto and home insurance for additional savings.
  • Improve Home Security: Install security systems, smoke detectors, and other safety enhancements.
  • Maintain Your Home: Regular upkeep of your roof, plumbing, and electrical system can prevent costly claims.

Choose Goosehead

Why Choose Goosehead Insurance for Your Ohio Home?

At Goosehead Insurance, we take the guesswork out of finding the best home insurance in Ohio. Here’s why homeowners trust us:

  • Broad Policy Selection: Goosehead agents can shop around with different carriers to find the best rates and coverage.
  • Expert Knowledge: Our agents know the specific risks Ohio homeowners face and provide tailored recommendations.
  • Streamlined Process: From comparing policies to handling claims, we make insurance simple and stress-free.
  • Dedicated Customer Service: We are committed to personalized service throughout your homeownership journey.



Notice of Rights to Opt Out of Sale/Sharing

Some states have enacted comprehensive privacy laws that grant their residents with the right to opt out of “targeted advertising,” “selling,” or “sharing” of personal information.
 

We or our marketing and advertising service providers may use information about your activities on our Website or other websites to help tailor our advertisements or offers to what may interest you. To opt out of these activities while using our Website move the above toggle to the left and confirm your choices below. These activities are based on online cookies and the opt-out choice is specific to this device. Should you ever clear your cookies on this browser or use another browser or device you may need to opt-out again.

Exercising your State Specific Comprehensive Privacy Rights 
To submit a data privacy request and request access to or deletion of your personal information, or to exercise any other data rights under California, Colorado, Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, and Virginia* law, please contact us using one of the following methods:
  • Website: you may visit https://www.gooseheadinsurance.com/consumer-privacy-requests/ to exercise your privacy rights via our website. Please fill in the appropriate web form so that we may verify and process your request in an efficient manner.
  • Email: you may contact us at [email protected] to exercise your privacy rights. Please include your full name, email address, and the phone number associated with your insurance policy, along with why you are writing.
  • Phone: you may call and leave a voicemail 1-888-928-0031 to exercise your privacy rights. Please include your full name and the phone number associated with your insurance policy, along with why you are calling.
  • Mail: you may mail a letter to exercise your privacy rights (see Contact Us below). Please include your full name, phone number, and the details of your request
*While Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey Oregon, Tennessee, Texas, Utah, and Virginia have enacted privacy laws, Goosehead is exempt based on its status as an insurance producer and/or its compliance with the Gramm-Leach Bliley Act.
 
Methods to Opt-Out of Sharing of Personal Information for Targeted Advertising: To limit interest-based advertising generally click here and/or select the “limit ad tracking” or equivalent setting in your mobile device settings. Additionally, if you enable a browser-based opt-out preference signal, such as Global Privacy Control, in certain jurisdictions, upon receipt or detection, we will make reasonable efforts to treat the signal as a valid request to opt out of the sharing of Personal Information for targeted advertising pursuant to applicable law.

To access our full Privacy Policy, please click here.

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