Columbus Insurance Rates:

Columbus, OH homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Find Affordable Home Insurance in Columbus, Ohio

Columbus is the capital of Ohio and is located directly in the center of the state. It is the 14th most crowded city in the United States and is known for its dynamic art scene, famous museums, and vibrant theater community. Apart from that, Columbus lies within the humid continental climate zone and is subject to severe weather throughout the year. During the spring, several thunderstorms can bring lightning, large hail, and tornadoes. Therefore, Columbus home insurance is a necessity. Insurance providers determine the cost of insurance after scrutinizing certain factors. Finding the best homeowners insurance in Columbus, Ohio, starts with comparing policies and quotes offered by different insurance providers. Our VHome research team has explored a few such aspects in this article.

Factors Determining Columbus Ohio Home Insurance Rates

Columbus homeowners insurance varies based on several factors. Common factors which help determine the cost of home insurance in Columbus, Ohio, are:

Location

The home insurance rates may vary as per the location of the homeowner. Insurance providers consider the state and ZIP code of the area. In Columbus, Ohio, the average cost of homeowners insurance is $715.

Material Used

A house is more than a shelter. Materials used to construct your home can influence the cost of home insurance.

Age of the house

Homes age over time, and eventually, they may become weak and more prone to structural damages. The age and the condition of the house can influence the cost of home insurance in Columbus, Ohio.

Swimming Pool

Homeowners owning a swimming pool can witness a high premium on home insurance as it increases the liability coverage to cover potential injuries.

Coverage Type

Home insurance coverage helps protect your home and other structures on your property against unexpected events. The price may differ depending on the type of coverage opted by the homeowner.

Columbus Home Insurance by the Company

The cost of your homeowner's insurance in Columbus, Ohio, will depend on the insurance company you get your policy through. The cheapest home insurance in Columbus comes from Cincinnati Insurance, with an average annual rate of just $663.3 per year, compared to the Columbus average of $715.

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Columbus Homeowners Insurance Prices by Coverage Level

Columbus homeowners who have opted for standard insurance packages are compensated for the replacement value of the damaged or destroyed property. However, if you have chosen coverage with higher limits, you will be given enough money to rebuild or replace your home. For example, homeowners paying a coverage of $100K can avail of home insurance in Columbus, Ohio, for $549. Generally, homeowners opt for coverage of $400K to $500K, paying a premium of $2627 and $3546, respectively.

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Columbus Ohio Home Insurance Rates by ZIP code

Your Columbus homeowners insurance cost may vary significantly depending on the location you reside in Columbus. VHome study can help shed light on this seemingly random fluctuation in home insurance rates in Columbus, Ohio. VHome research reveals that the closer you live to high-risk areas, the more you will pay for coverage. For instance, neighborhoods with high risks of burglary, fire, theft, and vandalism have much greater odds of submitting claims.

If you happen to look for the cheapest homeowners insurance in Columbus, Ohio, refer to the ZIP code mentioned below. These are the few areas where the average cost of home insurance is generally affordable.

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Here are some of the higher risk areas where the home insurance rates are higher than usual. It depends on crime rates, fire risk, theft, burglary, etc. Few ZIP codes where the Columbus, Ohio home insurance is higher than the average are:

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Columbus Homeowners Insurance based on the Deductibles

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Your deductible is the amount you pay out of pocket for a covered loss. Once paid, you are eligible to receive the rest of your coverage. Choosing a higher deductible typically means that you spend less on home insurance. Homeowners opted for a high deductible of 2500 pay $513.37 on home insurance Columbus. Homeowners opted for a low deductible of 500 $706.42 on homeowners insurance in Columbus, Ohio.

Columbus, OH, Cheapest Home Insurance Companies

In Columbus, OH, homeowners pay an average homeowner’s insurance of $710 per annum. Vhome’s extended data analysis reveals that Columbus homeowners can save as much as $283 by choosing the cheapest home insurance company.

Travelers

Columbus homeowners who have a policy with Travelers pay an insurance rate of $360 on a policy coverage ranging between $150,000 to $175,000 for a deductible of $2,500. Moreover, Travelers provides numerous discounts to homeowners. For example, Travelers provides discounts of up to 13% on multi-policies.

Amica

Amica quoted an insurance rate of $444 for a Columbus home built in 1949 on a policy coverage ranging between $100,000 to $125,000 for a deductible rate of $1000 to $2500. Amica makes its quotes very competitive by providing discounts of up to 15% on home insurance rates for homeowners that bundle home insurance policy with auto insurance policy.

The Hartford

Columbus homeowners who have a policy with The Hartford pay an insurance rate of $600 on a policy coverage ranging between $100,000 to $125,000 for a deductible of $1,000. The Hartford has partnered with AARP to provide home insurance services, along with multi-policy discounts.

American Modern

Columbus homeowners who have a policy with American Modern pay an insurance rate of $800 on a policy coverage ranging between $125,000 to $150,000 for a deductible of $2,500. American Modern provides up to 10% discounts for homeowners based on different criteria such as claims-free history, associated membership, safety features, and more.

Chubb

Chubb quoted an insurance rate of $876 for a Columbus home built in 1972 on a policy coverage ranging between $200,000 to $250,000 for a deductible of $500. Columbus homeowners can further lower their home insurance costs by opting for a higher deductible.

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Columbus, OH Homeowners Insurance By Home Value

Columbus, OH Home Value Total Homes % of Total Average Columbus, OH 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

Top Home Insurance Agents Near Columbus, OH

Home Insurance Company Near Columbus, OH Homeowners Insurance Agency Near Columbus, OH Address
NA Phelps Financial Services Inc. 659 Park Meadow Rd Ste H, Westerville, OH, 43081
NA Sterling Insurance Group Ltd. 4218 Indianola Ave, Columbus, OH, 43214
NA Tri Wood Ins Agency Inc 1000 Georgesville Rd, Columbus, OH, 43228
Nationwide David Stanley & Assoc Inc 341 Norton Rd, Columbus, OH, 43228-1730
State Farm Tim Workman 1590 Coshocton Ave Unit A, Mount Vernon, OH, 43050-1559

Columbus, OH Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Columbus, OH

Streets in Columbus Area Homeowners Insurance Cost
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

Columbus, OH Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Columbus$106 to $108
Franklin County$108
Grandview Heights$116
Bexley$118

Columbus, OH Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Franklin County, Ohio $90 $120 $180
Grandview Heights city, Ohio $97 $129 $194
Bexley city, Ohio $99 $131 $197

Columbus, OH Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Columbus, OH4.4%12.9%
Franklin County4.14%11.7%
Grandview Heights3.17%9.33%
Bexley3.06%8.54%

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

Columbus, OH Homeowners 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

Columbus, OH Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly Columbus Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,900$5,300
Net Savings to Columbus Home Owner from High Deductible Plan $600

Columbus, OH Home Insurance Costs With Home Replacement Value Scenarios

Scenario Columbus, OH Home Replacement Value MORE than Home Value Columbus, OH Home Replacement Value LESS than Home Value
Replacement Value $184,000 $139,000
Insurance Premium based on Replacement Value $650 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $21,000 Risk Exposure from Under Insuring Coverage is $24,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $75/year

Example Columbus Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAllstateChubb Group of Insurance
Monthly Premium 372873
Year Built 194920111972
Home Details 5 Beds, 2 Baths4 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $100000-$125000$175000-$200000$200000-$250000
Deductible $1000-$2500 Deductible> $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Columbus, OH from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1972 235,000 Composition Roof 3,110 5 $500- $1000 Deductible 1000 12 Brick siding yes
2012 160,000 Slate Shingles Roof 2,250 3 $5000 to $10,000 Deductible 340 8 Fiber-Cement Siding yes
1977 135,000 Metal Roof 1,880 5 $500 Deductible 320 6 Fiber-Cement Siding yes
1978 115,000 Composition Roof 1,600 3 $500 Deductible 120 5 Wood siding yes
1999 95,000 Metal Roof 1,160 2 $1000-$2500 Deductible 140 5 Wood siding yes
1945 125,000 Tile Roof 1,390 3 $2500-$5000 Deductible 80 2 Stone Siding yes
1972 110,000 Shingles Roof 1,420 2 $500- $1000 Deductible 350 9 Stucco siding No
1948 435,000 Composition Roof 4,460 5 $500- $1000 Deductible 610 5 Vinyl siding yes
1947 95,000 Metal Roof 990 2 $1000-$2500 Deductible 270 7 Stone Siding No
1962 210,000 Metal Roof 2,770 5 $500 Deductible 460 10 Vinyl siding yes
1970 115,000 Composition Roof 1,670 5 $500- $1000 Deductible 290 9 Brick siding No
1946 215,000 Tile Roof 2,120 4 $1000-$2500 Deductible 840 12 Fiber-Cement Siding yes
1940 270,000 Asphalt Shingles Roof 3,340 4 $5000 to $10,000 Deductible 490 10 Brick siding yes
2013 410,000 Membrane Roof 4,240 5 > $10,000 Deductible 860 12 Stucco siding No
2014 135,000 Composition Roof 1,760 3 $1000-$2500 Deductible 250 6 Stone Siding No
2000 150,000 Slate Shingles Roof 1,750 3 $1000-$2500 Deductible 600 12 Stone Siding yes
1973 325,000 Asphalt Shingles Roof 3,470 5 > $10,000 Deductible 440 8 Stone Siding yes
1973 180,000 Wood Shake Roof 1,800 4 $2500-$5000 Deductible 420 8 Stone Siding yes
2007 315,000 Metal Roof 4,160 5 $2500-$5000 Deductible 340 5 Fiber-Cement Siding yes
1997 165,000 Shingles Roof 2,160 3 $1000-$2500 Deductible 280 6 Vinyl siding yes
2008 195,000 Wood Shake Roof 1,950 4 $500 Deductible 230 3 Wood siding yes
1945 155,000 Asphalt Shingles Roof 1,570 3 $2500-$5000 Deductible 70 2 Fiber-Cement Siding yes
2008 220,000 Slate Shingles Roof 2,320 4 $5000 to $10,000 Deductible 390 9 Stucco siding yes
1947 300,000 Slate Shingles Roof 3,180 4 $1000-$2500 Deductible 190 2 Stone Siding yes
1982 130,000 Tile Roof 1,670 2 $500 Deductible 370 9 Brick siding yes
2013 405,000 Membrane Roof 4,220 5 $1000-$2500 Deductible 630 5 Vinyl siding No
1984 260,000 Metal Roof 3,260 4 $5000 to $10,000 Deductible 290 6 Vinyl siding yes
1985 155,000 Asphalt Shingles Roof 1,540 2 $500 Deductible 340 7 Fiber-Cement Siding yes
1968 115,000 Tile Roof 1,710 3 $500- $1000 Deductible 210 7 Brick siding No
1930 120,000 Metal Roof 2,288 4 $2500-$5000 Deductible 170 3 Stucco siding yes

Latest Home Insurance Reviews

Farmer's Insurance
My deductible is very low $500 which causes the rate to be higher. Most other companies did not provide a minimum deductible of $500. I found $1,000 to be the lowest.
State Farm
I would recommend State Farm to all of my family and friends as a possible insurer. Although I believe one should shop around for the best deal, State Farm has been good to me and my family.
Liberty Mutual
I have had mostly good service from them. I'd give them a 4. The only poor interaction I had was when I walked into an office they were not very helpful.
Geico
Their premiums are low but their deductibles are a little too high. Overall affordable for me so thats all that matters.
American Family Insurance
American family is a good company for long term conservative reasons. They have always been there when we needed them.
Grange Insurance
I like the fact that for a person with bad credit they offer the best rate available and they also do monthly payments which is a plus
State Farm
My premium deductible is very acceptable. Compared to most other insurance agencies this one ranks the best I'm extremely satisfied with it and will continue to stay with this company.
State Farm
I would recommend this company because of the excellent customer service and the cost.
Allstate
I had researched the rates of other insurance companies and allstate in my area by far had the best offer. I think compared to other companies its a little cheaper with great service
State Auto
Our coverage is typical for our area. They cover our house and contents with a reasonable deductible. Phone support and customer relations are good to.
American Family Insurance
I have not gotten quotes in a few months but our policy did go up quite a bit the last few months. It seems to be higher than wht I would think it needs to be without filing any claims.
Allstate
I like that i get a discount on my monthly insurance payments because i also have my auto insurance with them.
State Farm
I do not like the fact that in order to get a discount on my insurance from this company i have to have multiple policies with this company. otherwise, i would have to pay a much larger sum.
Progressive
Although their phone service isn't that good, i do like their website. i think it's easy to use and informational.
State Farm
I like how trusting the site is 24 hour assistance reliable, very honest about policy discounts for future years very open to discuss tells the truth does not lie, reasonable price great, mobile app great reminders great discounts, for bundle reliable website is very easy to use chat on website forums on website for help doesn't lie doesn't push sales on you doesn't push auto, overall very great company
Geico
We like the discount it offers when we bundle our car with home insurance. It was pretty painless to bundle it up. The representative treated us with respect when we inquire about home insurance.
State Farm
My State Farm Agent is always more than happy to help me I have never had an issue when I have had a claim. My rates rate don't go up.
Auto Owners
I had them come out to check on a claim. Turned out my claim was covered, however, I was not surprised. The staff was very helpful anyway.
Geico
I strongly disliked that I had to pay extra up front to get the insurance on top of the monthly charge. On top of that, they charged me for the most expensive package that they could for the house and I didn't know what I was covered for.
Liberty Mutual
We switched to State Farm because of the reduction in premium. The previous company kept increasing the coverage even though the value of the house was not increasing that fast.
Allstate
I think that Allstate communicates very well with me about any sort of policy changes and payment information as well.
Erie Insurance
The coverage is great, however, you pay for it. I wish the company offered more discounts to make it more affordable.
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.
Allstate
I would recommend this company based off their reasonable prices and their good to fair customer service compared to other companies with the same coverage and options.
Geico
i would recommend geico due to there compatible rates and coverage. customer service is great always willing to help.
State Farm
I have not had any problem with my home insurance over the years. The only thing I have seem is price increase and coverage change over the years but that is inspected. They answers question if you have any. Great customer serves.
State Farm
I don't like that sometimes I feel they are pressuring us to add on more insurance, through phone calls or mailings.
Geico
GEICO IS AN INSURANCE COMPANY WHICH ACCOMPLISES ALL THE FEATURES IN IT AND ACCORDING TO THE SECTOR PROVIDED BY THE TERMS.
State Auto
I like that it was easy to obtain a quote and that my rep was quick and easy to get a hold of. I like that the premium was the least expensive to date for my home.
American Family
I dislike some of the customer service practices but, that is partly due to the small town branch that I use. The agent has been friends with my family since childhood and sometimes there is a little bit of too much of friendliness and not enough professionalism.

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