Ohio Homeowners Insurance

Ohio homeowners pay $912 a year for homeowners insurance on average. That's 22% below the roughly $1,172 national average. That puts Ohio in the middle of the pack nationally — 38th highest of the 50 states. Below-average rates despite moderate weather risk; no coastal exposure and a stable insurance market. The main factors driving that number are Severe thunderstorms, Tornadoes, Hail and Ice storms. Flood risk is comparatively low statewide, though local exposure can still vary by address. Homeowners insurance isn't legally mandated in Ohio, but any mortgage lender will require it as a condition of the loan. Ohio has no dedicated state insurer-of-last-resort program — coverage runs through the standard private market.