Cincinnati Insurance Rates:

Cincinnati, OH home insurance is nearly $598 to $811, about $49-$67/month. Our thorough research shows customers can save as much as $281 by getting multiple quotes

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Cincinnati Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $310/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1520 sqft Seasonal Residence Constructed In 1965 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $190/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Baths 2840 sqft Seasonal Residence Constructed In 1967 with Carpet Flooring, Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Swimming Pool, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $230/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Baths 1910 sqft Primary Residence Constructed In 1967 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $120/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1510 sqft Primary Residence Constructed In 1967 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Fireplace, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $270/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Baths 1880 sqft Primary Residence Constructed In 1942 with Linoleum, Metal Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Married Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $460/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 1620 sqft Rental Property Constructed In 1970 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $460/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Bath 2380 sqft Vacation Property Constructed In 1972 with Linoleum, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, Indoor Sprinklers, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Divorced Female who is Retired with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $50/1 month for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Baths 1518 sqft Primary Residence Constructed In 1953 with Linoleum, Metal Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

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Cincinnati Rates & Quotes Analysis:

Cincinnati Area Estimated House Insurance
W McMillan St, Townhill Dr, Quailwood Ct, Sanderson Pl, Jail Aly, Zech St, Cavett Dr, Selby Ct, Emery Ln, Argus Rd$715
Culvert St, Barg Ln, Windsong Ct, Toluca Ct, Pana Aly, Turrill St, Trailwood Dr, Midden Way, Dryden Ave, Larue Ct$740
Clarion Ave, Casper St, W Nixon St, Monitor Ave, Parkside Pl, Morgan St, Richwood Cir, Whitney Pl, Deeprun Ln, Cumberland St$851
Baywood Ln, Vista Ave, Fredonia Ave, la Feuille Ave, Mohawk Pl, Stafford St, Miami Bluff Dr, Winding Way, E 8th St, Lookout Cir$839
Fernbank Ave, Moyer Pl, Seibel Ln, Ashland Ave, Frondorf Ave, Glen Parker Ave, Bellfield Ln, Ayershire Ave, Rusconi Pl, Kenneth Ave$841
Crow Aly, Estate Ct, Towerview Ln, Glenhurst Pl, Grear Aly, Lafeuille Ave, Paddison Rd, Forestwood Dr, Cryer Ave, Bodman Aly$730
Moffat Ct, S Clippinger Dr, Hunsford St, Farrell Dr, Mansfield St, Blair Ct, Lakeland Ave, Kilgour St, Sunvalley Ln, Western Hills Ave$693
Rawson Woods Ln, Orleans Ct, Westknolls Ln, Wyandotte St, Sherel Ln, W 3rd St, Vassar Ct, Waymont Ct, W Central Pkwy, Tulane Rd$672
Chapman St, Savannah Ave, Lisbon Ave, Galvin Ave, Valley Ln, Queensgate Ln, Antoninus Dr, Old Red Bank Rd, S Dixon Cir, Westwood Ave$700
Mariemont Ave, E Mills Ave, Wing St, Thurber Aly, Eastwood Cir W, Auten Ave, Lowell Ave, Donnington Ln, Prentice Ave, Connecticut Ct$678

Insurance rates are influenced by a number of factors including:

  • Year Built: 21,396 Homes (12% of total homes ) built between 1950 to 1959 in Cincinnati are paying home insurance between $1,323-$1,334. Places close to Cincinnati, OH such as Dayton(KY), Bellevue(KY), Woodlawn(KY) are more expensive by $85, $111, $114 respectively while St. Bernard and Elmwood Place are cheaper by $24 and $58 respectively for similar homes.
  • Bedrooms: 52,727 2 bedrooms homes (33% of total homes ) in Cincinnati are paying about $676. Areas near to Cincinnati such as Norwood, Hamilton County, Finneytown are costlier by $8, $12, $11 respectively whereas St. Bernard and Dayton(KY) are more economical by $11, $54 respectively for similar homes.
  • Auto Insurance Bundling: 8,844 Households (16% of all households) in Cincinnati have 3 or more vehicles available and when it is bundled with home insurance you can save $176. Discounts for similar bundling in close by locations such as St. Bernard, Dayton (KY), Norwood come to $173, $187, $176 respectively.
  • Senior Discounts: 23,756 seniors (more than 55 years) occupied housing units (45% of total) in Cincinnati get discounts between $105 to $107 and varies from St. Bernard ($103), Dayton(KY) ($112), Norwood ($105).
  • New Homes discounts: New homes such as the 33,436 homes built between 2000 to 2009 in Cincinnati can save $140 in contrast with St. Bernard ($138), Dayton(KY) ($149), Norwood ($141).

Cincinnati Homeowners insurance Facts

  • Cincinnati, OH has 52,602 owner occupied houses which is 40.5% of all units whereas St. Bernard, Dayton and Norwood have 56.15%, 61.46% and 49.37% respectively.
  • Cincinnati, OH homeowners yearly insurance price at $704 is 0.55% of the typical house value of $126,900 which is in contrast with 0.66% in St. Bernard, 0.84% at Dayton & 0.55% in Norwood.
  • Homeowners in Cincinnati, OH pay 3.13% of their income ($20,000 to $24,999) in insurance whereas homeowners in St. Bernard, Dayton and Norwood pay 3.08%, 3.33% and 3.13% respectively.
  • Cincinnati, OH’s insurance is 4.3% of monthly housing costs of $1,365/month, for owners with a mortgage compared to 4.81% in St. Bernard, 6.45% at Dayton & 4.65% in Norwood. But, for households without a mortgage, insurance is 11.2% of costs ($522 in Cincinnati, OH) in contrast with 11.53% in St. Bernard, 15.53% at Dayton & 13.03% in Norwood.

Cincinnati, OH Home Values & Insurance rates

For example, insurance for 3,736 Homes (7.0% of total homes ) valued between $80,000 to $89,999 in Cincinnati, OH is about $464. Rates in nearby areas in such as Hamilton County, Fort Thomas, Finneytown are cheaper by $56, $118, $11 respectively while St. Bernard and Dayton are costlier by $89 and $240 respectively for similar homes.

Cincinnati, OH Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,168 6.0% $133
$50,000 to $59,999 1,670 3.0% $288
$60,000 to $69,999 2,321 4.0% $359
$70,000 to $79,999 3,125 6.0% $415
$80,000 to $89,999 3,736 7.0% $464
$90,000 to $99,999 3,917 8.0% $520
$100,000 to $124,999 7,947 16.0% $605
$125,000 to $149,999 5,742 11.0% $760
$150,000 to $174,999 4,899 10.0% $901
$175,000 to $199,999 2,723 5.0% $1034
$200,000 to $249,999 3,853 7.0% $1246
$250,000 to $299,999 2,638 5.0% $1527
$300,000 to $399,999 2,746 5.0% $1936

Renters Insurance in Cincinnati

  • Average Renters Insurance in Cincinnati :  $185($15/month)

  • Median Gross Rent in Cincinnati :  $630

  • Cincinnati Renters Insurance to Median Rent Ratio:  2.38%

  • Average household size of renter-occupied unit :  2.06

Cincinnati Renters Insurance as a Percentage of Rent

Cincinnati Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 4,038 5.0% $346
$200 to $299 3,760 4.0% $796
$300 to $499 12,588 16.0% $1246
$500 to $749 29,762 39.0% $1921
$750 to $999 12,763 16.0% $2671
$1,000 to $1,499 9,817 13.0% $3796
$1,500 or more 2,758 3.0% $5446

Rent Affordability in Cincinnati:

Approximately 48.0% (37,742) of households are spending more than 35% of their income on gross rent in Cincinnati

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 9,346 12.0%
15.0 to 19.9 percent 8,194 10.0%
20.0 to 24.9 percent 8,196 10.0%
25.0 to 29.9 percent 7,495 9.0%
30.0 to 34.9 percent 6,442 8.0%
35.0 percent or more 37,742 48.0%

Protective device discount in Cincinnati Up to :  $27

Claims-free discount in Cincinnati Up to :  $37

Cincinnati, OH Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
45232 $90,500 $690
45207 $86,800 $680
45225 $74,200 $680
45205 $73,300 $680
45204 $71,000 $680
45214 $70,800 $680
45208 $312,800 $820
45202 $309,700 $830
45226 $272,300 $800
45220 $221,200 $780
45209 $205,800 $770
45252 $185,300 $750
45206 $176,100 $750
45203 $173,300 $750
45229 $131,300 $720
45219 $125,400 $710
45231 $111,200 $700
45211 $111,000 $700
45237 $111,000 $700
45223 $102,400 $690