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2024

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Best Renters Insurance Companies in Cincinnati, OH

Our Recommended Top 19

We did the research for you!

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

139Reviewed

91Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

615 Elsinore Place, Cincinnati, OH 45202
WebsiteLicense: 4347

Expertise.com Rating

Review Sources

Google
4.0 (169)
Facebook
5.0 (12)

Why choose this provider?

Camargo Insurance is a local, independent insurance agency that has been providing its services to clients in Cincinnati and the surrounding areas since 1956. Its team of agents provides clients with a variety of insurance products. It also updates them on the policies and reviews their chosen coverage plans. One of its products is renters' insurance which protects the client's valuables in case of damages or loss due to fire, lightning, theft, or hail. It also offers coverage for loss of use.

  • Multiple Policy Types

8109 Alexandria Pike #11, Alexandria, KY 41001
WebsiteLicense: 1101779

Expertise.com Rating

Review Sources

Google
5.0 (104)
Facebook
5.0 (15)

Why choose this provider?

Jami Anna Insurance provides a variety of policies for individuals and businesses in the Cincinnati area. The agency offers renters' insurance that provides tenants coverage on top of their landlord's insurance, such as damage from fire, theft, lightning, wind, and hail. Policyholders are also compensated for living expenses if the rental property becomes uninhabitable. Other policies available include auto, individual life, umbrella, restaurant, veterinary clinic, and garage repair shop insurance. The family-owned independent agency has been in the industry since 2016.

6020 Harrison Ave, Suite 1, Cincinnati, OH 45248
WebsiteLicense: 1170863

Expertise.com Rating

Review Sources

Google
4.8 (35)
Facebook
5.0 (19)

Why choose this provider?

J.M. Insurance & Financial, Inc., is a Cincinnati-based agency serving residents and businesses in and around the local metro. It connects clients with various insurance solutions, such as coverage plans protecting rented property and personal belongings from theft and policies for commercial land and automobiles. Its staff also helps current policyholders review their coverage plans and revise its terms according to their current needs and financial circumstances. Operations director Matthew Pesler holds over a decade of industry experience and a bachelor's degree in organizational leadership.

  • Multiple Policy Types

412 Madison Avenue, Covington, KY 41011
WebsiteLicense: 24568

Expertise.com Rating

Review Sources

Facebook
5.0 (30)

Why choose this provider?

Bilz Insurance is a local independent agency serving individuals and families in Cincinnati. It offers a variety of personal insurance policies, including renters', homeowners', auto, life, and health insurance. Its agents provide a renters' insurance policy that covers the client, their personal belongings, and guests while renting, customizing the coverage based on their individual needs and budget. The company has access to a wide selection of policies by working with numerous carriers, including Progressive, Travelers, Safeco, Nationwide, and Liberty Mutual.

  • Multiple Policy Types

Cincinnati, OH 45201
WebsiteLicense: 41834

Expertise.com Rating

Why choose this provider?

Gartman Insurance is a family-owned agency that has an office in Cincinnati. It offers insurance plans for incoming residents and longtime homeowners of the city. The company educates first-time clients about disaster risks and possession-related losses. It then explains coverages for property repairs, medical liability, and other emergency insurances. Its agents customize plans to include jewelry reimbursement and temporary dwelling. In addition to homeowners insurance, the agency covers automobiles and condominiums. It examines policy plans from nationally recognized insurance carriers, like Kemper and Progressive.

  • Multiple Carriers

4009 Erie Court, Cincinnati, OH 45227
WebsiteLicense: 1548

Expertise.com Rating

Why choose this provider?

Chris Hauser Insurance is an independent agency that serves residential and commercial clients in Cincinnati. It offers a wide selection of insurance solutions, from coverage plans insuring rented properties and personal belongings in them to basic and comprehensive commercial dental plans. It also offers annual coverage reviews and policy change assistance to current policyholders. Principal agent Dugan Hauser holds a bachelor's degree in insurance and risk management. In 2019, he helped the Ronald McDonald House Charities collect donations for families in Columbus.

  • Multiple Carriers
  • Multiple Policy Types

7611 Cheviot Road, Cincinnati, OH 45247
WebsiteLicense: 39538

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (12)
Yelp
5.0 (1)

Why choose this provider?

Duffy Insurance Partners, LLC, is an independent insurance agency that serves clients in Cincinnati. It offers renters' insurance from several providers, such as American Modern, Liberty Mutual, and Westfield, that provides protection to policyholders from potential risks. The agency has earned a reputation for its handling of property-casualty insurance policies. It also maintains membership in the Professional Insurance Agents. Founder James E. Duffy started his insurance career at age 16 as a messenger for Ohio National Life Insurance in 1943.

  • Multiple Policy Types

410 Elliott Ave, Cincinnati, OH 45215
WebsiteLicense: 30919

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
4.0 (3)

Why choose this provider?

The Stautberg Financial Group has been serving clients within Cincinnatti and its neighboring locations since 1975. Its staff consults with renters and homeowners for their needs in securing their personal belongings against vandalism, theft, fires, and other unforeseen hazards. It also has supplemental options available for protection against bodily injury and property liability, as well as medical care for injuries sustained by visitors on the property. Each of the company's products is supported by its partners, which include Anthem, Progressive, and Westfield Insurance.

  • Multiple Policy Types

5556 Cheviot Rd, Cincinnati, OH 45247
WebsiteLicense: 2599

Expertise.com Rating

Review Sources

Google
5.0 (111)
Facebook
5.0 (21)

Why choose this provider?

Winters Financial Network is a family-operated company that is located in Cincinnati. It provides renters insurance policies for first-time and longtime tenants of the city. The company's website has an interactive graph of potential dangers to the rental property. These dangers range from fires and flooding to theft and vandalism. Its agents also offer custom coverages for the loss of personal possessions and medical liabilities for guests. The company was established in 1963 and is led by a third-generation insurance agent.

  • Multiple Carriers
  • Multiple Policy Types

417 Anderson Ferry Road, Cincinnati, OH 45238
WebsiteLicense: 9834159

Expertise.com Rating

Review Sources

Google
4.0 (35)
Yelp
1.0 (1)

Why choose this provider?

Greater Cincinnati Insurance Services offers renters' insurance to the residents of Cincinnati and its surrounding area. It is an independent agency that represents carriers like American Modern Insurance Group, Safeco, Berkshire Hathaway, and Encompass Insurance. The agency was started in 2007 offers other insurance products that include home, auto, life, recreational vehicle, and commercial insurance. It recently expanded its services and now includes Nashville in its roster. Greater Cincinnati Insurance is co-owned by insurance agents Kellie and Enes Jim.

  • Multiple Carriers

4700 Ashwood Drive, Suite 150, Blue Ash, OH 45241
WebsiteLicense: 26783

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (3)

Why choose this provider?

Denoyer Group is a full-service independent insurance agency serving families, individuals, and businesses in Cincinnati. Its agents help tenants acquire renters' insurance plans that will protect their personal properties, which are not covered by their landlords’ policies in times of peril. The firm also offers guest medical protection, which takes care of compensation for visitors injured at a renter's home. Denoyer Group has been in operation since 2001. The other insurance products it carries include life, health, and auto insurance.

5310 Glenway Avenue, Cincinnati, OH 45238
WebsiteLicense: 38110

Expertise.com Rating

Review Sources

Google
4.0 (20)
Facebook
4.0 (6)

Why choose this provider?

Zinser Insurance Agency, LLC, is a company that protects renters in Cincinnati and the surrounding areas. It offers renters' insurance that include personal property coverage and liability protection. The agency also provides comprehensive insurance plans focusing on individuals, families, and businesses. Since 1949, Zinser Insurance Agency has been educating its clients on the scope of its insurance products and customizing policies according to their needs. It partners with insurance companies such as Grange Insurance, Progressive Insurance, and State Auto Insurance.

  • Multiple Policy Types

9424 Main St., Cincinnati, OH 45242
WebsiteLicense: 978597

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Morgan Hoffman Insurance serves clients in the Cincinnati area. Its renter's insurance provides compensation for incidents outside the scope of the landlord's property insurance. These include stolen personal items and injuries that occur inside the residence. The company also offers policies for homes and condos and vehicles like motorcycles, boats, RVs, and ATVs. Its commercial insurance covers vehicle fleets and general liability suits. Morgan Hoffman Insurance represents providers like Progressive, Safeco Insurance, and Ohio Casualty.

  • Multiple Carriers

Cincinnati, OH
WebsiteLicense: 8275

Expertise.com Rating

Review Sources

Google
4.9 (48)
Facebook
5.0 (35)

Why choose this provider?

Hamler Gingrich is an insurance agency established in 1927 that serves families and businesses in Cincinnati. It offers personal insurance products, including renters', home, condo, and auto insurance. Its renters' insurance policy provides coverage for the client's personal belongings and lifestyle while renting. Its independent agents work with various insurance carriers, including Celina, Hagerty, Nationwide, Liberty Mutual, and Berkshire Hathaway. Hamler Gingrich also has a mobile application that allows clients to conveniently find their policy documents and identify the agent handling their account.

217 Fairfield Ave, Bellevue, KY 41073
WebsiteLicense: 573939

Expertise.com Rating

Review Sources

Google
4.7 (26)
Facebook
4.9 (26)

Why choose this provider?

Desmond Insurance, a family-owned and family-operated company established in 1929, caters to clients in Cincinnati and the surrounding communities. It provides renters' insurance to help customers protect themselves from financial losses caused by property damage, theft, or natural disasters. This policy includes personal property and liability coverage. The firm also offers workers' compensation, auto, home, health, and business insurance plans. As an independent agency, Desmond Insurance represents various carriers like CNA, Liberty Mutual, MetLife, Kemper, and Progressive.

  • Multiple Policy Types

1701 Compton Road, Cincinnati, OH 45231
WebsiteLicense: 24663

Expertise.com Rating

Review Sources

Google
4.0 (10)
Facebook
5.0 (6)

Why choose this provider?

Moore Insurance, Inc., provides services to families and individuals in the Cincinnati metro and nearby communities. It is an independent agency that offers customized renters' insurance plans that cover the clients' homes and belongings from theft and natural disasters. Additionally, the company provides other home coverages such as homeowners' liability, condominium, and landlords' insurance. It works with various insurance carriers like Travelers, Nationwide, and National General Insurance. Moore Insurance, Inc., has been in the business for more than 20 years.

  • Multiple Policy Types

7710 Shawnee Run Road, Cincinnati, OH 45243
WebsiteLicense: 32344

Expertise.com Rating

Review Sources

Google
5.0 (44)
Yelp
5.0 (1)

Why choose this provider?

Gibbs Insurance Associates provides renters' insurance products to clients in Cincinnati. Owners James and Jonathan Gibbs have been serving clients for more than 30 years and 18 years, respectively, and commit to doing business with clients personally and serving them as an advocate. It assists clients in choosing the coverage that addresses their individual risks, including coverage for personal property, property damage liability, bodily injury, and medical payments. Gibbs Insurance Associates also offers insurance for homeowners, landlords, and condos.

  • Multiple Policy Types

8041 Hosbrook Road, Cincinnati, OH 45236

Expertise.com Rating

Review Sources

Google
5.0 (73)
Facebook
5.0 (11)
Yelp
5.0 (1)

Why choose this provider?

Chip Berry Insurance provides services to families and individuals in the Cincinnati metro. It is an independent insurance agency that helps clients acquire renters' insurance plans, which include personal property and bodily injury coverages. The company's insurance specialists also offer other personal plans, such as home, life, auto, and disability insurance. They work with various carriers, allowing them to access different insurance products. Chip Berry Insurance has been in the business since 2014.

  • Multiple Policy Types

50 E Rivercenter Blvd Suite 409, Covington, KY 41011
WebsiteLicense: 1330494

Expertise.com Rating

Review Sources

Google
4.6 (16)

Why choose this provider?

Covington Insurance is a local agency serving clients in and around Cincinnati. It offers renter insurance, covering fires, vandalism, and theft. In addition, it handles personal liability. The firm provides various types of life insurance, such as universal, variable universal, term, and whole life. Its auto insurance provides financial protection against personal injuries caused by traffic collisions. Covington Insurance's other products include business, disability, and umbrella policies. It represents Kemper, American Modern, and Liberty Mutual.

  • Multiple Policy Types

Compare our Top Renters Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Camargo Insurance
615 Elsinore Place, Cincinnati, OH 45202
Jami Anna Insurance
8109 Alexandria Pike #11, Alexandria, KY 41001
J.M. Insurance & Financial, Inc.
6020 Harrison Ave, Suite 1, Cincinnati, OH 45248
Bilz Insurance
412 Madison Avenue, Covington, KY 41011
Gartman Insurance
Cincinnati, OH 45201
Chris Hauser Insurance
4009 Erie Court, Cincinnati, OH 45227
Duffy Insurance Partners, LLC
7611 Cheviot Road, Cincinnati, OH 45247
Stautberg Financial Group
410 Elliott Ave, Cincinnati, OH 45215
Winters Financial Network
5556 Cheviot Rd, Cincinnati, OH 45247
Greater Cincinnati Insurance Services
417 Anderson Ferry Road, Cincinnati, OH 45238
Denoyer Group
4700 Ashwood Drive, Suite 150, Blue Ash, OH 45241
Zinser Insurance Agency LLC
5310 Glenway Avenue, Cincinnati, OH 45238
Morgan Hoffman Insurance
9424 Main St., Cincinnati, OH 45242
Hamler Gingrich
Cincinnati, OH
Desmond Insurance
217 Fairfield Ave, Bellevue, KY 41073
Moore Insurance, Inc.
1701 Compton Road, Cincinnati, OH 45231
Gibbs Insurance Associates
7710 Shawnee Run Road, Cincinnati, OH 45243
Chip Berry Insurance
8041 Hosbrook Road, Cincinnati, OH 45236
Covington Insurance
50 E Rivercenter Blvd Suite 409, Covington, KY 41011

FAQs

  • Why is it important to obtain renters' insurance when leasing a home or apartment in Cincinnati?

    It's important to obtain renters insurance when leasing a home or apartment in Cincinnati because it protects both residents and their personal possessions. This insurance covers personal items in instances of theft or damage. Additionally, if the rental property gets destroyed, it can cover the costs of temporary housing. Another important reason is personal liability coverage.

  • Do apartment complex owners' insurance policies cover the personal property and liability of tenants in Cincinnati?

    No, a renter's personal belongings and liabilities are not covered by the insurance policies of apartment complex owners in Cincinnati. The primary scope of these policies includes both the structure and the owner's possessions. For this reason, tenants are required by landlords to purchase renter's insurance to safeguard their belongings and themselves against personal responsibility claims.

  • What factors influence renters insurance rates in Cincinnati?

    In Cincinnati, the main determinant of renters insurance is the personal property protection coverage selected. Choosing between actual cash value or replacement cost value policy types can lead to varied expenses, with RCV usually costing more. Geographical factors, like heightened criminal activity or vulnerability to harsh climatic conditions, can also affect insurance rates. Furthermore, adjustments to liability protection can have a small impact on premiums.

  • What should Cincinnati residents do before purchasing a renters insurance policy?

    Cincinnati residents planning to purchase renters insurance should first create a detailed list of their possessions and estimate their overall value. It is a good idea to get professional appraisals for unique items such as collectibles or artwork. Documenting belongings through photos, retaining receipts, and recording serial numbers of expensive items can help in future claims. Also, selecting a deductible that aligns with one's budget is crucial.

  • Can roommates in Cincinnati share a renters insurance policy?

    Yes, Cincinnati roommates can share renters insurance. Yet, this isn't always the best option. By pooling coverage, the list of possessions can expand, potentially diminishing the individual claim amount. Opting for individual policies often provides more benefits and ensures smooth transitions should one individual choose to relocate, steering clear of financial complications between roommates.

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