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2025

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Best Homeowners Insurance Agencies in Ohio

Our Recommended Top 14

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Our goal is to connect people with the best local professionals. We scored Ohio homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

6646Reviewed

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14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Ohio
Rossford

Expertise.com Rating

Why choose this provider?

Since 1936, Martin & Lark Insurance Agency has been offering the best protection plans for individuals and businesses in Ohio. With access to products from multiple carriers, its team customizes coverages for policy buyers' residential properties. It also offers protection for jewelry, wine collections, fine art pieces, and secondary homes. The agency's other products include insurance for condominium residents, motorcycle drivers, and recreational vehicle owners. Some of the companies its agents represent are Hagerty and Grange.

Best Homeowners Insurance Agencies Serving Ohio
Toledo

Expertise.com Rating

Review Sources

Google
4.8 (58)
Facebook
4.0 (4)

Why choose this provider?

Rex Sims runs the best State Farm agency in Ohio. He offers a variety of products, including home insurance, which covers damage resulting from HVAC system tears, plumbing system discharge, and natural disasters involving hail and lightning. He also customizes policies to cover collectibles and jewelry along with losses from theft and vandalism. Sims, who also insures renters and car owners, started working for State Farm in 1985 and opened his agency a year later.

Best Homeowners Insurance Agencies Serving Ohio
Berea

Expertise.com Rating

Review Sources

Google
5.0 (94)
Facebook
5.0 (27)
Yelp
5.0 (1)

Why choose this provider?

Cleveland Insurance Brokers offers the best risk management solutions for individuals and businesses across Ohio. The independent agency offers homeowners' insurance, which covers losses from accidents, natural disasters, and theft. Its team of agents also customizes insurance plans to include flood coverage. They review policies from numerous providers such as National General, Progressive, and Liberty Mutual, allowing them to find options that best meet clients' needs. Cleveland Insurance Brokers has been operating since 2018.

Best Homeowners Insurance Agencies Serving Ohio
Columbus

Expertise.com Rating

Review Sources

Facebook
4.7 (31)
Google
5.0 (1)

Why choose this provider?

Dennis & Nelson Insurance Group comprises the best independent agents in Ohio. They offer various products, including homeowners' insurance, which helps pay for personal property replacement costs in cases of natural disasters and fire. They review policies from different providers, allowing them to find suitable coverage options for clients. These carriers include Grinnell Mutual, Travelers, and Erie Insurance. Agency co-owner Jeff Dennis is a Certified Professional Insurance Agent and Certified Estate Counselor. He established the company in 1983.

Best Homeowners Insurance Agencies Serving Ohio
Cincinnati

Expertise.com Rating

Review Sources

Google
4.6 (17)

Why choose this provider?

RM Price Insurance is the best risk management specialist in Ohio. Its team of independent agents writes insurance policies that protect homeowners' and renters' personal property. They review coverage options from multiple providers such as MetLife, State Auto, and Ohio Fair Plan, allowing them to find suitable plans for clients. In addition, they insure taxi, Lyft, Uber, and truck drivers. They also furnish protection plans for small businesses, ranging from retail stores and offices to restaurants. RM Price Insurance has been in service since 1991.

Best Homeowners Insurance Agencies Serving Ohio
Holland

Expertise.com Rating

Review Sources

Facebook
4.9 (60)
Google
4.8 (33)

Why choose this provider?

The Florian Insurance Agency is the best fifth-generation, family-owned risk management firm in Ohio. Its team of independent agents, who have access to policies from multiple carriers, furnish plans for homeowners looking to protect their personal belongings such as electronics, appliances, and clothing. They also customize policies to cover secondary homes and high-value items like jewelry and wine collections. Grange and Auto-Owners Insurance are some of the providers they represent. The agency has been providing risk management solutions since 1907.

Best Homeowners Insurance Agencies Serving Ohio
Columbus

Expertise.com Rating

Review Sources

Google
4.9 (69)
Facebook
5.0 (12)

Why choose this provider?

Isner Insurance Assoc. Inc. comprises the best insurance agents in Ohio. Its personal line of products include homeowners' insurance, which protects the main structure of houses and detached buildings such as sheds and garages. Its team of risk management specialists also furnishes plans that cover valuables, including rugs, jewelry, and firearms. Being independent allows them to access policies from multiple providers and find coverage options that suit clients' unique needs. Thomas Isner, the company's principal agent, has been working for the agency since 1971.

Best Homeowners Insurance Agencies Serving Ohio
Columbus

Expertise.com Rating

Review Sources

Google
4.7 (15)
Yelp
1.0 (1)

Why choose this provider?

Augustine Insurance Agency is a family-owned and family-operated company that has been serving Ohio since 1955. Included in its personal line of products is home insurance, which protects personal property and covers additional living expenses in case the policyholder's home becomes uninhabitable. Its team members also write the best policies for renters and condominium owners. Liberty Mutual, Voya, and Progressive are some of Augustine Insurance Agency's partner providers. Its principal, Robert Augustine, has been providing risk management solutions for over four decades.

Best Homeowners Insurance Agencies Serving Ohio
Pickerington

Expertise.com Rating

Why choose this provider?

MMA Insurance Agency is the best independent risk management firm in Ohio. It provides home insurance, which may reimburse losses from flood and water backup damage. It also protects homeowners' high-value possessions such as fine art, jewelry, classic cars, and wine collections. Its team has access to policies from different carriers such as Erie, The Hartford, and Nationwide. For three years in a row, MMA Insurance Agency received the Five Star Award for Top Home and Auto Agency from the Columbus Monthly Magazine.

Best Homeowners Insurance Agencies Serving Ohio
University Heights

Expertise.com Rating

Why choose this provider?

Ralph P. Sills Insurance Agency has been operating as the best risk management firm in Ohio for more than six decades. It offers a full range of products, from homeowners', renters', and motorcycle to high-risk auto insurance policies. Its independent agents also furnish protection plans for owners of boats and recreational vehicles. They find suitable coverage options for clients by reviewing policies from multiple carriers, including State Auto, Safeco, and Progressive. Company co-owner Alan Sills has been protecting clients since 1989.

Best Homeowners Insurance Agencies Serving Ohio
Cincinnati

Expertise.com Rating

Review Sources

Google
4.6 (38)

Why choose this provider?

With over seven decades of experience, Dabbelt Insurance is the best agency in Ohio. It provides various insurance coverage options, including policies that protect clients' homes and their liability in case a non-resident obtains injuries at their property. Its team also customizes plans to include sewer damage, personal property replacement, and earthquake coverage. Being independent allows Dabbelt Insurance's agents to review policies from various carriers. Some of the agency's providers include Auto-Owners and Erie Insurance.

Best Homeowners Insurance Agencies Serving Ohio
Cincinnati

Expertise.com Rating

Why choose this provider?

Baker Insurance Agency is an Ohio-based agency offering the cheapest personal and commercial lines of protection. Included in its products is homeowners' insurance, which covers a dwelling place's interior and exterior structures and reimburses losses from injuries obtained by non-residents at the property. Clients also have the option to add coverage for jewelry. The risk management firm furnishes auto insurance plans, which cover collision damage and theft. Baker Insurance Agency has been the best in the state for nearly 95 years.

Best Homeowners Insurance Agencies Serving Ohio
Cincinnati

Expertise.com Rating

Why choose this provider?

Morrissey Ries Winter Insurance offers the best protection plans for individuals and businesses across Ohio. It provides home insurance policies that pay for personal property replacement costs and reimburse medical expenses in case a non-resident gets injured. Its team also writes coverages for additional living expenses and valuables, such as fine art and jewelry. With access to plans from various carriers, such as Travelers, Grange, and Liberty Mutual, the company's agents can customize coverages to meet clients' unique needs.

Best Homeowners Insurance Agencies Serving Ohio
Cincinnati

Expertise.com Rating

Why choose this provider?

Meissner Insurance Agency provides risk management assistance for communities in Ohio. Its team writes the cheapest home insurance policies, which cover damage resulting from theft and fire. The agents also craft protection plans for condominium residents, mobile home owners, and renters. In addition, they offer protection for landlords and clients with in-home business operations. American Modern, Nationwide, and Erie Insurance are some of the carriers Meissner Insurance Agency represents. The company has been the best in the state area since 1970.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Martin & Lark Insurance Agency
1265 North Dixie Highway, Rossford, OH 43460
Rex Sims
111 N Reynolds Road, Toledo, OH 43615
Cleveland Insurance Brokers
1 Berea Commons Suite 203, Berea, OH 44017
Dennis & Nelson Insurance Group
66 E Lynn Street, Columbus, OH 43215
RM Price Insurance
2503 Fairview Avenue, Cincinnati, OH 45219
The Florian Insurance Agency
1856 Holloway Road, Holland, OH 43528
Isner Insurance Assoc. Inc.
221 S Hamilton Road, Columbus, OH 43213
Augustine Insurance Agency
3851 N. High Street, Columbus, OH 43214
MMA Insurance Agency
670 Windmiller Drive STE B, Pickerington, OH 43147
Ralph P. Sills Insurance Agency
13854 Cedar Rd, University Heights, OH 44118
Dabbelt Insurance
5932 Glenway Avenue, Cincinnati, OH 45238
Baker Insurance Agency
7531 Bridgetown Rd., Cincinnati, OH 45248
Morrissey Ries Winter Insurance
7713 Camargo Rd, Cincinnati, OH 45243
Meissner Insurance Agency
3710 Harrison Avenue, Cincinnati, OH 45211

Ohio Homeowners Insurance Agency FAQs

  • Are Ohio homeowners who have an existing mortgage required to purchase insurance?

    Homeowners with existing mortgages in Ohio may be obligated to obtain homeowners insurance because mortgage lenders in the state have the legal authority to establish this requirement, as outlined by the General Assembly of Ohio. However, these lenders' right extends only to the replacement value of the borrower's home and personal belongings.

  • Will one's creditworthiness be affected if they don't have home insurance in Ohio?

    In Ohio, the absence of homeowners insurance in the event of a house being destroyed can adversely affect their creditworthiness and future borrowing opportunities. Financial organizations and mortgage lenders frequently see homeowners insurance as a crucial element of responsible homeownership and may be reluctant to offer loans to people who don't have it.

  • Does an Ohio homeowners insurance cover appliance leaks?

    Standard homeowners insurance in Ohio commonly includes coverage for water damage, which encompasses damage caused by appliance leaks. This policy usually consists of two components: dwelling coverage and personal property damage coverage. While personal property damage coverage reimburses policyholders for damaged possessions, dwelling coverage covers the cost of home repairs for covered perils.

  • Is mold damage covered by standard homeowners insurance in Ohio?

    Homeowners insurance in Ohio can potentially include coverage for mold damage, contingent on the cause of the mold growth. If the mold stems from a covered loss, such as damage to washing appliances, it is probable that the homeowners insurance will extend coverage for the damage. However, if the mold is a consequence of a flood, the homeowners policy is unlikely to offer coverage, as standard homeowners insurance typically does not cover flood-related damages.

  • What is the timeframe within which an insurance company must resolve a homeowners claim in Ohio?

    According to Ohio Admin Code § 3901-1-54(G)(3), if the amount of a claim has been determined and is not under dispute, an insurance company in Ohio must provide payment to the first-party claimant within ten days of accepting the claim. However, exceptions to this timeframe may apply in cases involving structured settlements, probate court actions, or other extraordinary circumstances that are duly documented in the claim file.

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