Columbus Insurance Rates:

Columbus, OH home insurance is nearly $602 to $816, about $50-$68/month. Our complete guide indicates shoppers can save as much as $283 by getting different quotes

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Columbus Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $190/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

4 Beds, 4 Baths 3180 sqft Seasonal Residence Constructed In 1947 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $370/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1670 sqft Vacation Property Constructed In 1982 with Wood Flooring, Tile Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Married Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $630/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $405,000

5 Beds, 5 Baths 4220 sqft Primary Residence Constructed In 2013 with Linoleum, Membrane Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $290/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Bath 3260 sqft Seasonal Residence Constructed In 1984 with Carpet Flooring, Metal Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Single Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $340/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

2 Beds, 2 Bath 1540 sqft Primary Residence Constructed In 1985 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Married Male who is Unemployed and has 1 Pet and is a Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $210/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Baths 1710 sqft Vacation Property Constructed In 1968 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Divorced Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $170/3 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $120,000

4 Beds, 4 Baths 2288 sqft Rental Property Constructed In 1930 with Wood Flooring, Metal Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Smoke Alarm, Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Married Male who is a Freelancer with household income of more than $150,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $128/2 months for $210,000 Coverage
Our electrical & plumbing is fairly old and in regular need of repair and upkeep. We decided we need to make sure our home insurance is solid to ensure any costs & damages from these old fixtures.
We live alone & don't have any seniors living with us although our parents visit us from time time.
Home Insurance Rate of $140/2 months for $200,000 Coverage
6 bedrooms & 5 baths house in a gated community in a private cul-De-sac. Home was custom built 12 years ago with hard wood flooring, stainless steel appliances & central air conditioning & forced heating.
Work at the local bank & have been with them for the past 10 years. High income with top of the line credit.

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Columbus Rates & Quotes Analysis:

Columbus Area Estimated House Insurance
Garrett St, Elmwood Dr, Lofton Cir, Arrowtip Ln, Baywood Dr, Carano Way, E Lincoln Ave, Barrhill Dr, Scenic View Cir, Kastlekove Dr$714
Rock Dove Rd, Delta St, Mira St, Twp Hwy 89, Rowland Ave, Hammond St, Greentree Dr, Greentree Ct, Shortcut Rd, Parkhurst Dr$699
Grove Hill Dr, N Sandusky St, Co Rd 220, Olenbrook Dr, Cambrian Commons Dr, Lewis St, Gemini Pkwy, Southbluff Dr, Meadcrest Ct, Woodwind Dr$735
Adara Dr, N Sandusky St, Bristol Commons Pl, Sirius St, Kingsbury Rd, Co Rd 91, Colonial Commons Dr, Sedona Ct, Turnhart Pl, S Washington St$744
Lago Ln, E Winter St, Scottwood Ct, Wynstone Dr, Eaton St, Pulsar Pl, Caldwell Dr, McElhinny Ln, Stockard Loop, Sanville Dr$741

Insurance rates are influenced by a number of factors including:

  • Year Built: 49,310 Homes (13% of total) built between 1939 or earlier in Columbus are paying home insurance between $1,518-$1,528 in contrast with Franklin County (+$21), Grandview Heights (+$139), Bexley (+$172), Valleyview (-$42) and Whitehall (-$51).
  • Bedrooms: 136,781 2 bedrooms homes (37% of total homes ) in Columbus are paying about $681. Areas near to Columbus such as Franklin County, Grandview Heights, Bexley are costlier by $11, $64, $79 respectively whereas Valleyview and Whitehall are more economical by $17, $23 respectively for similar homes.
  • Auto Insurance Bundling: 27,479 Households (17% of all households) in Columbus have 3 or more vehicles available and when it is bundled with home insurance you can save $177 in contrast with Franklin County ($180), Grandview Heights ($194), Bexley ($197).
  • Senior Discounts: 61,835 seniors (more than 55 years) occupied housing units (40% of total) in Columbus get discounts between $106 to $108 in contrast with Franklin County ($108), Grandview Heights ($116), Bexley ($118).
  • New Homes discounts: New homes such as the 154,121 homes built between 2000 to 2009 in Columbus can save $141 and similar new home insurance discounts in nearby towns and cities like Franklin County, Grandview Heights and Bexley are $144, $155 and $158 respectively.

Columbus Homeowners insurance Facts

  • Columbus, OH has 154,295 owner occupied houses which is 47.8% of all units whereas Franklin County, Grandview Heights and Bexley have 55.84%, 62.67% and 75.3% respectively.
  • Columbus, OH homeowners yearly insurance price at $709 is 0.53% of the typical house value of $134,900 which is in contrast with 0.47% in Franklin County, 0.31% at Grandview Heights & 0.29% in Bexley.
  • Homeowners in Columbus, OH pay 14.18% of their income (Less than $10,000) in insurance whereas homeowners in Franklin County, Grandview Heights and Bexley pay 14.4%, 15.52% and 15.82% respectively.
  • Columbus, OH’s insurance is 4.4% of monthly housing costs of $1,338/month, for owners with a mortgage compared to 4.14% in Franklin County, 3.17% at Grandview Heights & 3.06% in Bexley. But, for households without a mortgage, insurance is 12.9% of costs ($459 in Columbus, OH) in contrast with 11.7% in Franklin County, 9.33% at Grandview Heights & 8.54% in Bexley.

Columbus, OH Home Values & Insurance rates

For example, insurance for 22,530 Homes (14.0% of total homes ) valued between $125,000 to $149,999 in Columbus, OH is about $716. Rates in nearby areas in such as Franklin County, Grandview Heights, Bexley are cheaper by $76, $290, $329 respectively while Valleyview and Whitehall are costlier by $196 and $290 respectively for similar homes.

Columbus, OH Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 7,867 5.0% $127
$50,000 to $59,999 4,169 2.0% $269
$60,000 to $69,999 5,573 3.0% $340
$70,000 to $79,999 7,258 4.0% $389
$80,000 to $89,999 10,056 6.0% $446
$90,000 to $99,999 9,566 6.0% $496
$100,000 to $124,999 23,722 15.0% $574
$125,000 to $149,999 22,530 14.0% $716
$150,000 to $174,999 20,937 13.0% $850
$175,000 to $199,999 13,167 8.0% $978
$200,000 to $249,999 15,684 10.0% $1184
$250,000 to $299,999 6,006 3.0% $1446
$300,000 to $399,999 4,591 3.0% $1836

Renters Insurance in Columbus

  • Average Renters Insurance in Columbus :  $171($14/month)

  • Median Gross Rent in Columbus :  $794

  • Columbus Renters Insurance to Median Rent Ratio:  1.76%

  • Renter occupied housing units in Columbus :  168,717

Columbus Renters Insurance as a Percentage of Rent

Columbus Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 3,332 2.0% $342
$200 to $299 4,077 2.0% $792
$300 to $499 11,061 6.0% $1242
$500 to $749 52,127 31.0% $1917
$750 to $999 56,037 33.0% $2667
$1,000 to $1,499 32,249 19.0% $3792
$1,500 or more 6,740 4.0% $5442

Protective device discount in Columbus Up to :  $25

Claims-free discount in Columbus Up to :  $34

Columbus, OH Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
43224 $92,900 $690
43207 $91,800 $690
43227 $90,500 $690
43203 $87,100 $680
43223 $80,800 $690
43211 $63,000 $680
43222 $60,300 $670
43220 $255,100 $800
43212 $248,100 $780
43215 $242,500 $800
43214 $206,100 $760
43201 $200,600 $760
43202 $176,100 $750
43240 $173,000 $740
43231 $133,800 $720
43229 $128,300 $710
43205 $126,400 $710
43206 $110,800 $710
43204 $106,200 $700
43232 $106,000 $700