Hello, fellow Columbus residents! There's so much to love about our fantastic city. Did you know that Columbus consistently ranks as one of the best places to live in the United States? We're blessed with a thriving job market, boasting major employers like Nationwide Insurance and Ohio State University. Our cost of living is remarkably affordable compared to other major cities, allowing you to enjoy a high quality of life without breaking the bank. For the foodies among us, Columbus is a culinary paradise, with a diverse restaurant scene that includes everything from trendy farm-to-table eateries to mouthwatering food trucks. And let's not forget our vibrant arts and culture scene, featuring world-class institutions like the Columbus Museum of Art and the Ohio Theatre. With so much to offer, it's no wonder we're proud to call Columbus home!

Why is Columbus Homeowner's Insurance Expensive?

Home insurance in Columbus, Ohio can be expensive due to several factors. First, the city's growing population and housing market have increased property values, leading to higher coverage needs. Second, Columbus experiences a variety of weather-related risks, including severe storms and flooding, which can result in more frequent claims. Third, the cost of building materials and labor has risen, making repairs and replacements more expensive for insurers. In the past three years, two significant weather events that have impacted insurance rates in Columbus are the severe thunderstorms and tornadoes of May 2020, which caused widespread damage, and the record-breaking winter storm in February 2021, resulting in numerous claims for ice dam-related damages. Despite these challenges, homeowners can still find affordable coverage by comparing quotes from the Best Ohio Home Insurance Companies to ensure they're getting the best possible rates for their specific needs.

How Much is Homeowners Insurance in Columbus?

Homeowners in Columbus pay an average of $1872 per year, or $156 a month, for a homeowners insurance policy with $300,000 in dwelling coverage. This makes home insurance in Columbus roughly -4% less expensive than the Ohio average of $1800 per year. And Columbus insurance is about 21% less than the national average of $2270. It pays to shop and compare Columbus home insurance rates.

The Cheapest Homeowner Insurance Rates for Columbus, Ohio

Provider	Annual Insurance Rate
Allstate	$1780
American Modern	$1732
Auto-Owners Insurance	$1468
Chubb	$2107
Cincinnati Insurance	$1357
Encova Insurance	$1680
Erie	$1263
Farmers	$1791
Grange Insurance	$1838
National General	$1843
Nationwide	$1862
Ohio Mutual Insurance	$1235
Progressive	$1984
Safeco	$1990
State Farm	$2175
Travelers	$5405
USAA	$1499
Western Reserve Group	$1509
Westfield Insurance	$1046