Cleveland Insurance Rates:

Cleveland, OH home insurance is approximately $576 to $779, about $48-$64/month. Our thorough guide reveals consumers can save upto $271 by comparing many quotes

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Cleveland Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $110/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 3400 sqft Primary Residence Constructed In 1952 with Stone Flooring, Membrane Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Married Male who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $100/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

4 Beds, 4 Baths 1740 sqft Rental Property Constructed In 1968 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $130/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Baths 2930 sqft Rental Property Constructed In 1953 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married 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 :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $30/2 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 1290 sqft Vacation Property Constructed In 1942 with Linoleum, Composition Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $130/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

4 Beds, 4 Baths 1610 sqft Primary Residence Constructed In 1951 with Carpet over wood flooring, Composition Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $130/3 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 1503 sqft Primary Residence Constructed In 1932 with Ceramic Tile Flooring, Wood Shake Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Click here for Zip Code data

Cleveland Rates & Quotes Analysis:

Cleveland Area Estimated House Insurance
Colgate Ct, Chester Pkwy, Hodgson Ave, Gallup Ave, Greenlawn Ave, Laverne Ave, Indiana Ave, Sprague Ave, 2nd Aly, Everett Ave$722
Enoch Ave, Brownell Ct, Glazier Ave, Munn Rd, Wilbur Ave, Metrohealth Dr, Kenmore Ave, Methyl Ave, Gardner Ct, W 95th Pl$624
Griffing Ave, University Rd, Russell Ct, McBride Ave, Stanweld Ave, Detour Ave, Main Ave, Enterprise Ave, Invermere Ave, E 157th St$649
Carlyle Ave, Smith Ct, Wakefield Ave, W 98th St, Fillmore Ave, E 197th St, W 36th Pl, Beacon Ave, Bonniewood Dr, Patton Rd$690
Poe Ave, Woodslee Ct, Sykora Rd, Breton Dr, Williams Ave, Park Heights Rd, W 47th Pl, Hamilton Ave, Stillson Ave, Macauley Ave$660
Chickasaw Ave, E 13th St, E 139th Pl, Shepherd Ct, Garden Ave, Aberdeen Ave, University Ct, Luke Ave, Metta Ave, Barber Ave$690
Bonna Ave, South Blvd, Seville Ave, W 50th Pl, Ottawa Rd, Corlett Ave, E 20th St, Trent Ave, W 27th St, 1st St$671
Lamont Ave, Vandalia Ave, Frankfort Ave, Meyer Ave, Marshall Ave, Spafford Pl, Valentine Ave, E 54th St, Amesbury Ave, Higbee Ave$657
Colonnade Rd, Greenwood Ave, Mitchell Ave, Huss Ave, Drexmore Rd, 3rd St, Fleming Ave, 6th St, Chatfield Ave, Massie Ave$676
Glencoe Ave, Whitman Ct, Kolar Ave, Oxford Ave, W 165th St, W 177th St, W Aspen Ct, McGowan Ave, Elberta Ave, W 13th Pl$713

Insurance rates are influenced by a number of factors including:

  • Year Built: 27,750 Homes (12% of total homes ) built between 1940 to 1949 in Cleveland are paying home insurance between $1,363-$1,373. Places close to Cleveland, OH such as Cuyahoga Heights, Brooklyn Heights, Brooklyn are more expensive by $63, $98, $46 respectively while Linndale and East Cleveland are cheaper by $11 and $10 respectively for similar homes.
  • Bedrooms: 30,186 1 bedroom homes (14% of total homes ) in Cleveland are paying about $631 compared to Cuyahoga Heights (+$22), Brooklyn Heights (+$38), Brooklyn (+$20), Linndale (-$5) and East Cleveland (-$10).
  • Auto Insurance Bundling: 25,624 Households (33% of all households) in Cleveland have 2 vehicles available and when it is bundled with home insurance you can save $135. Discounts for similar bundling in close by locations such as Newburgh Heights, Cuyahoga Heights, Brooklyn Heights come to $135, $141, $145 respectively.
  • Senior Discounts: 39,798 seniors (more than 55 years) occupied housing units (52% of total) in Cleveland get discounts between $101 to $103 and differs from Newburgh Heights ($101), Cuyahoga Heights ($106), Brooklyn Heights ($109).
  • New Homes discounts: New homes such as the 41,183 homes built between 2000 to 2009 in Cleveland can save $135 and similar new home insurance discounts in nearby towns and cities like Newburgh Heights, Cuyahoga Heights and Brooklyn Heights are $135, $141 and $145 respectively.

Cleveland Homeowners insurance Facts

  • Cleveland, OH has 76,159 owner occupied houses which is 45.4% of all units whereas Newburgh Heights, Cuyahoga Heights and Brooklyn Heights have 56.8%, 72.77% and 90.72% respectively.
  • Cleveland, OH homeowners yearly insurance price at $678 is 0.84% of the typical house value of $80,900 which is in contrast with 0.83% in Newburgh Heights, 0.52% at Cuyahoga Heights & 0.44% in Brooklyn Heights.
  • Homeowners in Cleveland, OH pay 3.01% of their income ($20,000 to $24,999) in insurance whereas homeowners in Newburgh Heights, Cuyahoga Heights and Brooklyn Heights pay 3.01%, 3.15% and 3.23% respectively.
  • Cleveland, OH’s insurance is 5.2% of monthly housing costs of $1,085/month, for owners with a mortgage compared to 5.38% in Newburgh Heights, 4.33% at Cuyahoga Heights & 4.05% in Brooklyn Heights. But, for households without a mortgage, insurance is 14.4% of costs ($393 in Cleveland, OH) in contrast with 14.68% in Newburgh Heights, 17.74% at Cuyahoga Heights & 12.24% in Brooklyn Heights.

Cleveland, OH Home Values & Insurance rates

For example, insurance for 9,888 Homes (13.0% of total homes ) valued between $80,000 to $89,999 in Cleveland, OH is about $711. Rates in nearby areas in such as Newburgh Heights, Cuyahoga Heights, Brooklyn Heights are cheaper by $13, $272, $341 respectively while Linndale and East Cleveland are costlier by $76 and $50 respectively for similar homes.

Cleveland, OH Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 14,145 18.0% $203
$50,000 to $59,999 7,017 9.0% $433
$60,000 to $69,999 7,725 10.0% $542
$70,000 to $79,999 8,315 11.0% $623
$80,000 to $89,999 9,888 13.0% $711
$90,000 to $99,999 7,332 9.0% $793
$100,000 to $124,999 9,810 12.0% $915
$125,000 to $149,999 4,345 5.0% $1145
$150,000 to $174,999 3,040 4.0% $1356
$175,000 to $199,999 1,398 1.0% $1566
$200,000 to $249,999 1,321 1.0% $1884
$250,000 to $299,999 813 1.0% $2305

Renters Insurance in Cleveland

  • Average Renters Insurance in Cleveland :  $260($21/month)

  • Median Gross Rent in Cleveland :  $656

  • Cleveland Renters Insurance to Median Rent Ratio:  3.2%

  • Renter occupied housing units in Cleveland :  91,787

Cleveland Renters Insurance as a Percentage of Rent

Cleveland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 6,709 7.0% $365
$200 to $299 5,526 6.0% $815
$300 to $499 12,370 14.0% $1265
$500 to $749 31,487 35.0% $1940
$750 to $999 20,255 23.0% $2690
$1,000 to $1,499 10,063 11.0% $3815
$1,500 or more 1,526 1.0% $5465

Protective device discount in Cleveland Up to :  $39

Claims-free discount in Cleveland Up to :  $52

Cleveland, OH Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
44113 $97,200 $700
44119 $94,800 $700
44111 $91,000 $690
44135 $89,100 $690
44114 $88,300 $690
44128 $84,900 $680
44109 $84,600 $690
44102 $78,000 $680
44108 $72,100 $670
44110 $69,300 $670
44103 $68,100 $670
44105 $64,500 $670
44104 $63,900 $680
44127 $39,600 $660
44106 $103,500 $700
44120 $101,900 $700
44115 $101,700 $700