Columbus, OH Home Insurance - Analysis On Quotes, Rates & Agents
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.
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.
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.
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.
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:
Columbus Homeowners Insurance based on the Deductibles
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.
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
| Place | Savings 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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Columbus, OH | 4.4% | 12.9% |
| Franklin County | 4.14% | 11.7% |
| Grandview Heights | 3.17% | 9.33% |
| Bexley | 3.06% | 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 Deductible | High 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 Company | Allstate | Chubb Group of Insurance |
| Monthly Premium | 37 | 28 | 73 |
| Year Built | 1949 | 2011 | 1972 |
| Home Details | 5 Beds, 2 Baths | 4 Beds, 1 Baths | 3 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 InsuranceMy 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 FarmI 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 MutualI 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.
GeicoTheir premiums are low but their deductibles are a little too high. Overall affordable for me so thats all that matters.
American Family InsuranceAmerican family is a good company for long term conservative reasons. They have always been there when we needed them.
Grange InsuranceI 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 FarmMy 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 FarmI would recommend this company because of the excellent customer service and the cost.
AllstateI 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 AutoOur 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 InsuranceI 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.
AllstateI like that i get a discount on my monthly insurance payments because i also have my auto insurance with them.
State FarmI 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.
ProgressiveAlthough their phone service isn't that good, i do like their website. i think it's easy to use and informational.
State FarmI 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
GeicoWe 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 FarmMy 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 OwnersI 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.
GeicoI 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 MutualWe 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.
AllstateI think that Allstate communicates very well with me about any sort of policy changes and payment information as well.
Erie InsuranceThe coverage is great, however, you pay for it. I wish the company offered more discounts to make it more affordable.
Cincinnati InsuranceIt 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.
AllstateI 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.
Geicoi would recommend geico due to there compatible rates and coverage. customer service is great always willing to help.
State FarmI 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 FarmI don't like that sometimes I feel they are pressuring us to add on more insurance, through phone calls or mailings.
GeicoGEICO IS AN INSURANCE COMPANY WHICH ACCOMPLISES ALL THE FEATURES IN IT AND ACCORDING TO THE SECTOR PROVIDED BY THE TERMS.
State AutoI 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 FamilyI 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.