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.
Latest Home Insurance Reviews
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
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
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.
State FarmI don't like that sometimes I feel they are pressuring us to add on more insurance, through phone calls or mailings.
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.
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 |
|---|---|---|
| State Farm | Tim Workman | 1590 Coshocton Ave Unit A, Mount Vernon, OH, 43050-1559 |
| 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 |
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 |
|---|---|---|---|---|---|---|---|---|---|
| 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 |