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2024

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Best Homeowners Insurance Agencies in Cincinnati, OH

Our Recommended Top 19

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Cincinnati 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.

207Reviewed

131Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3914 Oak Street, Mariemont, OH 45227
WebsiteLicense: 19472741

Expertise.com Rating

Why choose this provider?

Firehouse Insurance caters to the protection needs of individuals and business owners in the Cincinnati area. Its team brings over 20 years of consolidated insurance industry experience in providing coverage for properties including homes and autos. It also provides life and liability insurances, personal and group health insurances, in addition to commercial insurances. Firehouse Insurance originated in a police station and firehouse headquarters called Dale Park Fire Station that sheltered firefighters and policemen in 1924.

  • Fire

7025 Troy Pike Dayton, OH 45424, Dayton, OH 45424

Expertise.com Rating

Review Sources

Google
4.9 (77)
Facebook
5.0 (26)

Why choose this provider?

Nathan Baker, State Farm Insurance Agent, is an office providing guidance and sales services to clients in the Cincinnati metro area who are looking for homeowners insurance policies. Its agents consult clients on their needs and help them to purchase homeowners insurance plans that cover financial losses if their homes are destroyed by natural disasters, fires, or other circumstances. This office also offers personal property insurance to cover any items inside of homes. Auto insurance policies are available.

  • Multiple Carriers

2035 Reading Road, Cincinnati, OH 45202
WebsiteLicense: 672

Expertise.com Rating

Review Sources

Google
4.8 (63)
Facebook
4.8 (50)
Yelp
1.0 (1)

Why choose this provider?

CAI Insurance extends homeowners’ insurance coverage from multiple carriers to the residents in Cincinnati and its neighboring areas. Its agents provide data on higher-cost policies that include benefits, such as replacement cost coverage for the contents chosen by clients and replacement cost for the policy. The team also assists clients in finding coverage for identity theft, personal property limits, and higher liability. Additionally, its advisors help homeowners identify additional coverage and tailor a policy that fits their budget.

  • Multiple Carriers
  • Multiple Policy Types

1248 Springfield Pike, Wyoming, OH 45215
WebsiteLicense: 1238

Expertise.com Rating

Review Sources

Google
4.7 (30)

Why choose this provider?

Ted Marty & Associates is a family-owned independent insurance agency that offers Cincinnati residents various insurance options, ranging from homeowners' insurance to business liability insurance. The agency takes a client-centered approach, with its staff educating clients on insurance-related issues through one-on-one strategy meetings and educational seminars. In addition, it offers policy assessments every six months to check if the client's coverage still meets their needs. Ted Marty & Associates has been serving its clientele since its establishment in 1952.

  • Multiple Carriers

640 North University Boulevard, Middletown, OH 45042

Expertise.com Rating

Review Sources

Google
4.4 (28)
Facebook
5.0 (11)

Why choose this provider?

Redding Insurance Agency is an independent family-owned and family-operated business that has served clients in the Cincinnati area since 1944. The homeowner insurance agency assists clients in need of home and property coverage and protection during disasters. Policy options are also available to cover replacement costs of home belongings that are vulnerable to loss. Aside from home insurance, they also have a number of other insurance packages that cover automobile, business and commercial, and life and health.

  • Multiple Policy Types

4009 Erie Court, Cincinnati, OH 45227
WebsiteLicense: 1548

Expertise.com Rating

Why choose this provider?

Hauser Insurance has been providing comprehensive insurance products to individuals in the Cincinnati area for over three generations. Whether a renter or owner, the company offers homeowners' insurance policies to financially protect property and assets from fire accidents and other disasters. It can also protect clients against lawsuits from individuals who were injured on the property. Other insurance products include auto, life, general liability, and workers' compensation. It has partnered with numerous regional and national carriers, such as Liberty Mutual, Grange, Erie, and Chubb.

  • Renter's Insurance

4642 Ridge Avenue, Cincinnati, OH 45209
WebsiteLicense: 951271

Expertise.com Rating

Review Sources

Google
4.9 (7)

Why choose this provider?

Roehr Insurance Agency is a locally owned and operated company that serves Cincinnati and the surrounding areas. Its homeowners' insurance policies provide financial protection for clients' homes, personal belongings, personal legal liability, and additional living expenses. Other homeowners' insurance coverage options it offers include home replacement guarantee and replacement costs on contents. Roehr Insurance Agency has been in operation for over a decade. President Alvin Roehr sits on the Board of Trustees of The University of Cincinnati Foundation.

  • Multiple Policy Types

6601 Colerain Ave., Cincinnati, OH 45239
WebsiteLicense: 2761731

Expertise.com Rating

Why choose this provider?

Since 1949, Schwierling Insurance has been offering a wide range of policies to individuals and businesses in the Cincinnati area. Homeowners can get protection for damage caused by storms, floods, and fires. The company's home insurance also covers stolen personal items and injuries that occur inside the residence. In addition, individuals can get life insurance so that their beneficiaries are financially protected from current and future expenses, such as funeral costs, tuition, and outstanding debts.

  • Personal Property Insurance

3654 Glenmore Avenue, Cincinnati, OH 45211
WebsiteLicense: 32702

Expertise.com Rating

Review Sources

Facebook
4.4 (11)
Google
5.0 (10)

Why choose this provider?

Huesman Insurance Group is a homeowners' insurance agency in Cincinnati offering policy coverages that include medical expenses, properties, living expenses, valuables, and liability. Other coverages such as jewelry insurance, automobile, and personal umbrella are also available. The company's specialists create packages specifically tailored for their needs and risks. Their other services include life, disability, long-term care, and health insurance. Leslie Huesman, the company's insurance agent, has been working in the industry for over 25 years.

  • Renter's Insurance
  • Homeowners

7536 US Hwy 42, Florence, KY 41042

Expertise.com Rating

Review Sources

Facebook
4.3 (18)
Google
3.7 (3)

Why choose this provider?

Founded in 1980, CMI Insurance is an independent agency serving individuals, families, and businesses in Cincinnati. It offers homeowners' insurance policies that pay for losses and damage to personal belongings, properties, and liabilities in the event of a disaster, burglary, or vandalism. The agency also provides risk management solutions for cars, boats, motorcycles, and small businesses from a variety of insurance carriers. CMI Insurance protects more than 150,000 clients across the country through its services and products.

  • Multiple Carriers

2191 Victory Pkwy, Cincinnati, OH 45206
WebsiteLicense: 1277455

Expertise.com Rating

Review Sources

Google
4.9 (60)
Facebook
4.2 (9)

Why choose this provider?

Malhotra & Assoc. Insurance is an independent agency that provides home insurance solutions for clients in Cincinnati and the surrounding areas. With over 25 years of experience, its insurance agents offer home policies that protect properties and their belongings from unexpected events, such as theft, lightning, fire, hail, and vandalism. These include liability protection that covers property damage or bodily injury that the policyholders or their family members have caused to other people. Malhotra & Assoc. also handles auto, business, recreational, and life insurance plans.

  • Homeowners

9600 Colerain Ave Ste 200, Cincinnati, OH 45251
WebsiteLicense: 730796

Expertise.com Rating

Review Sources

Google
5.0 (26)
Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

Matt Deck Insurance Agency has been offering a range of insurance solutions to individuals and businesses in Cincinnati and the surrounding areas for more than 12 years. The firm partners with major companies like Erie and Safeco in providing personalized quotes for homeowners' needs. Its policies include structural repairs for damages caused by disasters and coverage for stolen personal belongings. It also protects clients against lawsuits for accidents and negligence that occurred on the property.

  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

4790 Red Bank Expressway Suite 207, Cincinnati, OH 45227
WebsiteLicense: 1072633

Expertise.com Rating

Review Sources

Google
4.9 (361)
Facebook
5.0 (86)
Yelp
4.0 (4)

Why choose this provider?

Cincinnatus Insurance LLC serves clients in Cincinnati. It assists clients in choosing homeowners' insurance policies that cover specific or comprehensive losses, such as fire, smoke, hail, and vandalism. The insurance agency also offers a specialty dwelling policy that covers unoccupied homes and rental properties. Being independent allows it to have a comprehensive knowledge of various types of insurance products, guidelines, and companies. The company's values have been built after the Roman statesman Lucius Quinctius Cincinnatus.

  • Homeowners

7531 Bridgetown Rd., Cincinnati, OH 45248
WebsiteLicense: 35104

Expertise.com Rating

Review Sources

Google
5.0 (20)
Facebook
5.0 (7)

Why choose this provider?

Baker Insurance Agency has been serving clients in Cincinnati since its establishment in 1930. It offers homeowners' insurance coverage to protect homes and valuables, as well as any injuries that may occur while on the premises. The agency also provides automobile and life insurance policies and commercial insurance plans that provide coverage for various exposures based on operations, company size, and number of employees. Baker Insurance is committed to providing quality service through steadfast customer support.

  • Multiple Policy Types
  • Homeowners

2148 Gilbert Avenue, Cincinnati, OH 45206

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Zimmer Insurance Group caters to individuals in Cincinnati seeking comprehensive home protection plans. With over 74 years of industry experience, the third-generation business safeguards clients' living spaces and their contents, including appliances, clothing, and furniture. It offers home insurance with extra living expenses and personal legal liability coverages. Clients can further acquire security for their investments through additional coverage forms, home replacement guarantees, and replacement costs on contents. Other insurance products available are auto and commercial.

  • Multiple Policy Types

7249 Beechmont Ave, Cincinnati, OH 45230
WebsiteLicense: 26325

Expertise.com Rating

Review Sources

Facebook
5.0 (40)
Google
4.7 (15)
Yelp
1.0 (1)

Why choose this provider?

Brodbeck Porter Insurance is a firm that serves clients in Cincinnati. For over 30 years, it has been providing a wide range of insurance products such as auto, pet, life, health, and homeowners. The firm's homeowners' insurance policies are designed to provide financial safety nets in case of unexpected property losses due to natural disasters, accidents, or robberies. Unlike captive agents who are limited to only one insurance carrier, the firm is contracted with over 15, giving customers wider options to suit their preferences.

  • Personal Property Insurance
  • Homeowners

5670 Cheviot Road, Cincinnati, OH 45247
WebsiteLicense: 1337

Expertise.com Rating

Review Sources

Google
4.5 (8)

Why choose this provider?

Huesman Schmid Insurance Agency is a homeowners' insurance agency in Cincinnati offering policy coverages that include medical expenses, living expenses, property coverage, personal property, and liability. Other coverages include pet, personal umbrella, renters', and auto insurance policies. A.J. Schmid, the company's president, has served as President of the Greater Insurance Association and is a member of the Agent Advisory Councils for multiple insurance carriers. The company is also involved in various local, state, and national charities.

  • Renter's Insurance
  • Condos
  • Homeowners

7520 Montgomery Road, Cincinnati, OH 45236
WebsiteLicense: 1857

Expertise.com Rating

Review Sources

Google
4.5 (11)

Why choose this provider?

Founded in 1966, Kent Insurance is an independent agency serving clients in Cincinnati and the surrounding areas. It offers homeowners' insurance policies that pay for losses and damage to personal belongings and properties in the event of disasters, burglary, or vandalism. The agency also provides insurance products for automobiles and businesses. Working with several insurance carriers, including Safeco Insurance, MetLife, Liberty Mutual, Progressive, and Foremost, allows the agency to offer coverage options that meet clients' individual needs and financial circumstances.

  • Renter's Insurance
  • Condos

50 E Rivercenter Blvd Suite 409, Covington, KY 41011

Expertise.com Rating

Review Sources

Google
4.8 (15)

Why choose this provider?

Covington Insurance Agency serves clients in Cincinnati and the surrounding areas. It offers homeowners' insurance that covers liabilities, additional living expenses, and losses and damages to an individual's residence and its contents. The agency also provides insurance products for businesses, vehicles, and renters. Covington Insurance is partnered with several insurance carriers, including American Modern, Chubb, and Erie Insurance. It is also a member of the Covington Business Council that supports local businesses in the metro area and Northern Kentucky.

  • Multiple Policy Types
  • Condos
  • Life Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Firehouse Insurance
3914 Oak Street, Mariemont, OH 45227
Nathan Baker - State Farm Insurance Agent
7025 Troy Pike Dayton, OH 45424, Dayton, OH 45424
CAI Insurance
2035 Reading Road, Cincinnati, OH 45202
Ted Marty & Associates
1248 Springfield Pike, Wyoming, OH 45215
Redding Insurance Agency
640 North University Boulevard, Middletown, OH 45042
Hauser Insurance
4009 Erie Court, Cincinnati, OH 45227
Roehr Insurance Agency
4642 Ridge Avenue, Cincinnati, OH 45209
Schwierling Insurance
6601 Colerain Ave., Cincinnati, OH 45239
Huesman Insurance Group
3654 Glenmore Avenue, Cincinnati, OH 45211
CMI Insurance
7536 US Hwy 42, Florence, KY 41042
Malhotra & Assoc. Insurance
2191 Victory Pkwy, Cincinnati, OH 45206
Matt Deck Insurance Agency
9600 Colerain Ave Ste 200, Cincinnati, OH 45251
Cincinnatus Insurance LLC
4790 Red Bank Expressway Suite 207, Cincinnati, OH 45227
Baker Insurance Agency
7531 Bridgetown Rd., Cincinnati, OH 45248
Zimmer Insurance Group
2148 Gilbert Avenue, Cincinnati, OH 45206
Brodbeck Porter Insurance
7249 Beechmont Ave, Cincinnati, OH 45230
Huesman Schmid Insurance Agency
5670 Cheviot Road, Cincinnati, OH 45247
Kent Insurance
7520 Montgomery Road, Cincinnati, OH 45236
Covington Insurance
50 E Rivercenter Blvd Suite 409, Covington, KY 41011

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • How can homeowners' insurance assist Cincinnati families and individuals in the event of identity theft?

    Through homeowners' insurance identity theft coverage, individuals can be at peace during unexpected events in Cincinnati. This coverage helps policyholders recover expenses for getting their identities back, clearing up criminal records, and correcting credit reports. Policyholders can reimburse their costs up to $25,000. When reapplying for a loan, applicants can expect application fees and notarization of affidavit costs.

  • What factors affect homeowners' insurance costs in Cincinnati?

    The type and location of a property affect the price of homeowners' insurance in Cincinnati. The features of a home and its construction materials can increase the overall value of a property. Most insurance companies ask for the home's flooring materials, siding type, and heating systems. Insurance rates also depend on whether the location of the property has high crime rates.

  • Does having trampolines or swimming pools raise homeowners' insurance costs in Cincinnati?

    Yes. Properties with trampolines or swimming pools in Cincinnati are more likely to incur higher homeowners' insurance rates since these may lead to potential injuries. However, some insurance companies ask families and individuals to lock their gates and install fences at least four feet high to prevent people from coming.

  • How much will your homeowners' insurance cost annually if your house in Cincinnati is worth $200,000?

    If your house in Cincinnati is worth $200,000, you will most likely pay $1,608 annually for your homeowners' insurance. However, the amount you will pay each year depends on the natural disasters that may occur in your area. If your area is more at risk for floods, hurricanes, and tornadoes, you will have to pay higher insurance premiums.

  • What are the reasons for denials of homeowners' insurance claims in Cincinnati?

    Cincinnati homeowners' insurance claims are denied because policyholders do not submit them on time. They have to file their claims within four years. The timeframe is effective from the date the damage occurred. In addition, some claims are rejected due to insufficient damage documentation and deceptive statements.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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