Cleveland ,OH Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Cleveland, OH homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Cleveland, OH is $1381. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Cleveland, OH. VHome Insurance will help you navigate the world of homeowners insurance coverages in Cleveland, OH.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $552 |
| $200,000 | $939 |
| $300,000 | $1,160 |
| $400,000 | $1,768 |
| $500,000 | $2,223 |
Home insurance costs in Cleveland can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 044113 | $1,452 |
| 44119 | $1,317 |
| 44111 | $1,326 |
| 44135 | $1,322 |
| 44114 | $1,297 |
| 44128 | $1,301 |
| 44109 | $1,319 |
| 44102 | $1,311 |
| 44108 | $1,288 |
| 44110 | $1,289 |
| 44103 | $1,283 |
| 44105 | $1,287 |
| 44104 | $1,281 |
| 44127 | $1,273 |
| 44106 | $1,404 |
| 44120 | $1,321 |
| 44115 | $1,338 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Cleveland, OH, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,416 |
| $1000 Deductible | $1,266 |
| $1500 Deductible | $1,195 |
| $2500 Deductible | $1,077 |
| $5000 Deductible | $911 |
| Home Insurance Company Near Cleveland, OH | Homeowners Insurance Agency Near Cleveland, OH | Address |
|---|---|---|
| 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 |
| NA | Gates Foraker Ins Agcy Inc | 3276 Cleveland-Massilon Rd, Norton, OH, 44203 |
| Nationwide | Cynthia M Thirion | 1591 Parkman Rd N.W., Warren, OH, 44485-2160 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Newburgh Heights village, Ohio | $101 | $135 | $203 |
| Cuyahoga Heights village, Ohio | $106 | $141 | $212 |
| Brooklyn Heights village, Ohio | $109 | $145 | $218 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Cleveland, OH | 5.2% | 14.4% |
| Newburgh Heights | 5.38% | 14.68% |
| Cuyahoga Heights | 4.33% | 17.74% |
| Brooklyn Heights | 4.05% | 12.24% |
| 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 |
| Streets in Cleveland Area | Homeowners Insurance Cost |
|---|---|
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Cleveland | $101 to $103 |
| Newburgh Heights | $101 |
| Cuyahoga Heights | $106 |
| Brooklyn Heights | $109 |
| Scenario | Cleveland, OH Home Replacement Value MORE than Home Value | Cleveland, OH Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $ | $ |
| Insurance Premium based on Replacement Value | $ | $ |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $ | Risk Exposure from Under Insuring Coverage is $ |
| Premium Impact | Insurance cheaper by $/year | Insurance costlier by $/year |