Cleveland, OH Home Insurance - Analysis On Quotes, Rates & Agents

Cleveland, OH Insurance Rates:

The average cost of home insurance in Cleveland, OH is $818.8. vHome analyzed multiple home insurance quotes in Cleveland, OH to narrow down the list of the cheapest insurance companies in Cleveland, OH. vHome stresses the importance of comparing quotes from multiple companies to narrow down the best one that suits the consumer’s needs. Enter your Zip Code in the below banner to get instant home insurance quotes.

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Average Home Insurance Premium in Cleveland, OH

National Average Premium State Average Premium Cleveland Average Premium
$1,438 $712 $818.8

Top Home Insurance Companies in Cleveland, OH | Back to Top

vHome Insurance has compiled a list of home insurance companies providing the best home insurance rates. The companies are as follows.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Nationwide $737 $884 $1,150 $1,587
Cincinnati Insurance $980 $1,176 $1,529 $2,110
American Family $1,115 $1,338 $1,740 $2,401
Farmers $1,002 $1,202 $1,563 $2,156

Cleveland, OH Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 1,168.2
$150,000 To $174,999 1,932.8
$175,000 To $199,999 2,134.17
$200,000 To $249,999 2,570.27
$250,000 To $299,999 3,681.05
$300,000 To $399,999 5,005.81
$400,000 To $499,999 6,043.33
$500,000 To $749,999 7,735.46
$750,000 To $999,999 8,944.12
$1000,000 To $1499,999 9,850.62
$1500,000 To $2000,000 10,575.82

Visual Guide for Cleveland, OH Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Cleveland, OH | Back to Top

Home Insurance Company Near Cleveland, OH Homeowners Insurance Agency Near Cleveland, OH Address
Nationwide Cynthia M Thirion 1591 Parkman Rd N.W., Warren, OH, 44485-2160
State Farm Larry Vasil 5634 State Rd, Parma, OH, 44134-2202
Allstate Robert Mckenica 3889 Darrow Rd, Stow, OH, 44224
State Farm Ted Shenosky 2820 W Market St Ste 150, Fairlawn, OH, 44333-4059

List of Cleveland, OH Home Insurance Agents by Companies

Cleveland, OH Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Cleveland, OH with no claims filed get a discount of $98.26, whereas homeowners with one claim have to file an additional home insurance rate of $66 while homeowners with 2 claims have to pay an additional $98 for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -98 721
One Claim +66 884
Two Claim +98 917

Cleveland, OH Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
44113 97,200 761
44119 94,800 786
44111 91,000 761
44135 89,100 794
44114 88,300 770
44128 84,900 786
44109 84,600 770
44102 78,000 786
44108 72,100 761
44110 69,300 774
44103 68,100 770
44105 64,500 829
44104 63,900 786
44127 39,600 778
44106 103,500 794
44120 101,900 829
44115 101,700 794

Factors Affecting Home Insurance Premiums in Cleveland, OH

The average cost of homeowners insurance in Cleveland, OH is $818.8. Various factors could help homeowners lower their home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance costs.

Cleveland, OH Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 963
3 Bedroom 1,032
4 Bedroom 2,201
5 Bedroom 2,339

Cleveland, OH Home Insurance Premiums for Different Deductibles | Back to Top

Homeowners with a deductible of $500 pay a much higher amount on their home insurance premium, while homeowners who pay a deductible of $2500 pay a much lower amount on their home insurance premium as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 809
$1000 Deductible 732
$1500 Deductible 689
$2000 Deductible 625
$2500 Deductible 588

Cleveland, OH Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Cleveland, OH pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 606
Year 30 Old 831
Year 40 Old 840
Year 50 Old 850
Above Year 50 858

Cleveland, OH Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 90 729
Masonry 41 778
Brick 41 778
Superior 74 745
Hail Resistant Roof 16 802

Top Saving Tips on Cleveland, OH Homeowners Insurance | Back to Top

Homes built using sturdy materials, which are highly resistant to damage, receive substantial discounts on homeowners’ insurance. Cleveland, OH homeowners can also bundle their home insurance policy with auto insurance to receive more discounts. Apart from this, home insurance companies tend to provide discounts to homes equipped with security features that make them less prone to burglaries. Senior citizens residing in households earn a considerable amount of discounts on homeowners insurance.

The tables below contain the complete list of discounts that Cleveland, OH homeowners can take advantage of to increase their savings.

Cleveland, OH Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 115 704
Retiree Discount (Senior Citizen Discount) 115 933
Newly Constructed Home 213 606

Cleveland, OH Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 98 721
Fire Extinguishers 66 753
Smoke Detectors 115 704
Sprinkler System 106 712
Fire Alarm 74 745
Burglar Alarm 74 745
Lightning Protection 16 802

Latest Home Insurance Reviews

State Farm
We recently had some damage to our house because of a storm. Our State Farm agent, Brenda, is the sweetest. She helped get me in touch with the claims people and told me what I could expect when filing.
State Farm
We got a discounted plan for getting all our insurance from the same provider, It was better class of insurance we could get from other companies for the same price.
I would say my limited experience with Geico home owners insurance has been positive. I've only called a handful of time for a quote, to sign up, and then to add additional coverage.
I would recommend them because they have great coverage options and great prices..haven't run into any issues with them yet.
i truly love doing business with geico. they are the ultimate best company ever. best rate and awesome customer service
State Farm
We were loyal to a previous company for years but that company lost focus with its clients. Since switching, this company goes above and beyond.
Cincinnati Insurance
It's been comparable to other companies. They offer quality coverage at competitive prices and I like that they're local to our area.
if your looking for the best rate on your home owner insurance check out progressive they can help. They also have a fix rate , save about $400 a month or cheaper depends on how much insurance.can get affordable rates.
State Farm
If bundled with other offers such as car and life insurance the rates are significantly cheaper. I also have a family discount in which my other family members at other addresses are offered discounts since we all have the same last name.
They are friendly and readily available to answer your questions in a timely manner. they have saved almost every person that has contacted them a lot of money.
I am not the one who deals with it so I'm not sure. I'll say 4 because I've never heard of any issues.
I would give our insurance company a 3. We haven't had to use it thankfully, but I am not happy that our rates seem to keep going up for no reason.
Safeco Insurance
I would recommend this company to others. This company have given us a good plan with a fair price. They have never jacked up the pricing and allow us to save by having our car insurance with them as well.
American Family Insurance
The premium and deductible for our policy is okay. Luckily we have not had to use it because I personally feel it is bit gigh for someone who has never had to use it. I know we have to have it so we keep it but im not very satisfied.
They have other polices you can buy to pay all at once. I have no problems, and they dont try to sell you stuff you dont need.
State Farm
One thing we like about the state farm insurance company is that the local office is conveniently located to our home.
They have a really merciless late-payment policy. if you're one day late with a payment, they're already prepared to cut off your insurance. they really do not have any tolerance at all for negligence in making payments. strict, but i suppose it's fair.
Our representative is very knowledgeable about our house and all of our needs, he is amazing at getting back to us in a timely manner!
Farmer's Insurance
I like that my claim was settled in a reasonable amount of time and I like that the customer service reps are nice, polite and try to be helpful, despite an obvious lack of knowledge
American Family
When i filed a claim, the company not only provided a low claim value they did not represent me when working on the claim. there was a dispute with a third party for repairs and american family was uncooperative.
State Farm
When I called they went out of their way to help me out and get it all set up properly. I have no complaints on this.
State Farm
The customer service team is so friendly and nice. Whenever I have a question they are more than happy to answer me.
State Farm
They keep us well informed when we need to be by sending us the proper policy information. All of the billing is done through our mortgage company. We did have an issue our first year where there was a miscommunication between the mortgage company and the insurance company in getting the premium paid, but my husband made one phone call and it was taken care of immediately.
American Family
I can give full marks over here as they are really user-friendly and understand our concerns as their concerns.
All state has great coverage at a much lower rate than any other insurer we contacted after buying our house. I rate it a 3 out of 5.
Auto Owners
I really haven't talked to my agent since we bought the policy 18 years ago. We get a Christmas card from him and he occasionally sends reminders of when the payment is due
Cincinnati Insurance
It is a necessary evil and although I would prefer not to pay it it's hardly noticed and required for a mortgage. The couple instances we have had to deal with them have been satisfactory. It’s just one of those things you don't think about very much until you need it.
State Farm
there is absolutely nothing I dislike about this company. it is a great company and I would recommend them to anyone at all.
Cincinnati Insurance
It is a great company with great reviews from people for many past years. They have great coverages and a fantastic website and customer service. My only complaint is the rise in premium.
State Farm
I dislike that they're higher than everyone else for the same product.
Cincinnati Insurance
We have had a very good overall interaction with this insurance company, and feel that they have always treated us above average
State Auto
I do not like that sometimes it takes a lot to answer the flames and the application does not respond is as if the system collapsed and because that is bad should expand its scope
They are an established leader in the insurance game. I've never had any issues with them, whether it is customer service or filing a claim and getting my money.
I have shopped around to a few other service providers but have found that the price I am paying is comparable if not cheaper than other service providers.