Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Cleveland

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cleveland 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.

261Reviewed

163Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

15444 St. Clair Ave., Cleveland, OH 44110
WebsiteLicense: 1153796

Expertise.com Rating

Review Sources

Google
5.0 (43)
Facebook
5.0 (5)

Why choose this provider?

The Morrow Group & Company is an insurance firm that caters to clients in the Cleveland area. Its homeowners' insurance covers damaged items and structures caused by fire or natural disasters. The policy also provides compensation for people who were hurt inside the residence, along with personal property that was stolen. In addition, clients can get insurance for life, pets, and special events. The firm's business insurance covers vehicle fleets, professional liability suits, and workers' compensation claims. They also specialize in working with high-network individuals.

  • Renter's Insurance

15712 Madison Ave, Lakewood, OH 44107
WebsiteLicense: 1874863

Expertise.com Rating

Review Sources

Google
4.9 (10)

Why choose this provider?

Tighes' Insurance Agency, Inc., has been serving clients in the Cleveland metro and its surrounding communities since 1993. The company designs commercial and personal insurance solutions that fit the clients' needs. It offers protection policies that cover homes, autos, condominiums, renters, motorcycles, and watercraft. The company's home policies help protect clients from personal liability and weather damages, including fires, hail storms, and snow build-ups. The agency also offers clients a Prime of Life plan that expands the scope of their existing home and auto insurance policies.

  • Renter's Insurance

12300 Lorain Rd., Cleveland, OH 44111
WebsiteLicense: 1229223

Expertise.com Rating

Why choose this provider?

Joe Potts Insurance Agency LLC is a full-service company serving the Cleveland metro. It offers a range of personal insurance plans, including homeowners' policies for individuals and families. The independent company provides personal belongings, liability, dwelling, and additional living expense coverages. These insurance options protect policyholders from financial losses caused by theft, vandalism, and fire. Joe Potts Insurance Agency also has a selection of renters', life, auto, and business insurance policies. It works with various carriers, including Dairyland, Progressive, and Liberty Mutual.

  • Homeowners

27594 Detroit Rd, Westlake, OH 44145

Expertise.com Rating

Review Sources

Google
5.0 (134)
Facebook
4.9 (41)
Yelp
5.0 (3)

Why choose this provider?

Founded in 1979, the Neverman Insurance Agency is an independent insurance company located in the Cleveland, Ohio, metro area. Home coverage specialists work with multiple carriers, such as American Modern Insurance Group, Berkshire Hathaway Homestate Co., and Liberty Mutual, that offer a wide range of products. Most plans cover the residence, other structures on the property, personal items, medical expenses, liability, and temporary living expenses. Homeowners can extend the limits for guns, jewelry, and other valuables.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

13905 Kinsman Rd, Cleveland, OH 44120

Expertise.com Rating

Review Sources

Google
4.9 (9)

Why choose this provider?

Gibbs Insurance Group is a firm that meets the needs of homeowners in Cleveland and its nearby areas. It is a multiple carrier provider that helps clients secure homeowner insurance plans from various companies, such as Kemper, Progressive, and National General. Its insurance agents help customers select additional policies for valuable articles, umbrella protection, and flood damage. The firm's broad underwriting services provide solutions to homeowners whose properties might not qualify for standard insurance products.

  • Multiple Policy Types

5909 State Rd. Suite B, Parma, OH 44134

Expertise.com Rating

Review Sources

Facebook
4.7 (17)

Why choose this provider?

Insurance Cleveland Agency, LLC is an independent company that was established in 2007. It provides homeowners' insurance policies that cover damage to the interior and exterior parts of the property, personal liability for damage or injuries, and hotel or house rental while the home is being rebuilt or replaced. Protection plans are also available for renters, dwellings, and mobile homes. Its team of professionals represents multiple insurance carriers to provide tailored policies, including Foremost, Medical Mutual, and Kansas City Life.

  • Multiple Policy Types

2565 Noble Rd, Cleveland, OH 44121

Expertise.com Rating

Review Sources

Google
4.7 (14)
Yelp
4.0 (1)

Why choose this provider?

Founded in 1995, Washington & Co. Insurance Agency Inc. is an independent agency that serves clients throughout the Cleveland, Ohio, area. Agents work directly with homeowners to help them obtain the insurance plan that best meets their needs. The agency specializes in helping those with condo or home association insurance obtain the additional coverage necessary to protect them and their families, such as insurance to cover home improvements, personal property, and liability. It also offers condo, renters, and landlord insurance.

  • Renter's Insurance
  • Condos
  • Fire

1324 Pearl Rd, Brunswick, OH 44212

Expertise.com Rating

Review Sources

Google
4.8 (24)
Facebook
5.0 (5)

Why choose this provider?

Homestead Insurance Agency Inc. has delivered personal and commercial insurance solutions in the Cleveland, Ohio, area for more than 85 years. As an independent insurance agency, Homestead shops for the most comprehensive homeowners insurance and competitive rates to meet each client's specific requirements. Policy options cover mobile homes, construction sites, and rentals, as well as personal property. Supplemental coverage provides additional protection in the event of an earthquake, fire, or flood.

  • Renter's Insurance
  • Condos
  • Earthquake

20180 Center Ridge Road, Rocky River, OH 44116
WebsiteLicense: 8034838

Expertise.com Rating

Review Sources

Google
4.9 (29)
Facebook
5.0 (13)

Why choose this provider?

Insurance Consultants Group is an independent firm serving individuals and families in Cleveland. It handles various personal lines, including homeowners’ insurance, which underwrites damaged property or dwelling and personal liability. Another benefit is loss of use coverage, which pays for temporary lodging if the house becomes uninhabitable. Clients can also enhance their policies with optional coverage, such as theft identity and equipment breakdown insurance. Insurance Consultants Group was founded in 1999 through the merger of two agencies owned and operated by Mark Singleton and Al Yeckel.

  • Personal Property Insurance

22255 Center Ridge Road, #205, Rocky River, OH 44116
WebsiteLicense: 34570

Expertise.com Rating

Why choose this provider?

The Juris Agency is a team of insurance experts that cater to clients in Cleveland. They provide home insurance solutions and educate clients on potential risks like floods and fires. The team helps with matching the clients' home situation with specific policy coverage. They also deal with other personal insurance products, including auto, life, RV, motorcycle, and mobile home insurance. The Juris Agency is a family-owned independent enterprise that has been operating since 2006. It is a member of the Strategic Insurance Agency Alliance.

  • Renter's Insurance
  • Condos
  • Multiple Carriers

13854 Cedar Rd, University Heights, OH 44118

Expertise.com Rating

Review Sources

Google
4.8 (53)

Why choose this provider?

Ralph P. Sills Insurance Agency has been serving the Cleveland metro for over 60 years. It deals with a range of personal lines of insurance, including homeowners' plans. The company's home policy aims to protect clients and their investments from unforeseen events like natural disasters and theft. It also offers life, health, auto, motorcycle, and boat insurance. Ralph P. Sills Insurance Agency represents multiple carriers like Safeco, Progressive, and Westfield Insurance. Its founder, Ralph Sills, has been in the insurance industry since 1950.

  • Renter's Insurance
  • Homeowners

562 Broadway, Lorain, OH 44052

Expertise.com Rating

Review Sources

Google
4.8 (33)
Facebook
5.0 (6)

Why choose this provider?

Since 1953, Janasko Insurance Agency has been based in Lorain, Ohio, and serves Westlake area residents as well. The agency offers home insurance policies that protect homeowners against liability and cover damage to the home's structure and contents when natural disasters strike. Renters and owners of condominiums and mobile homes will find policies from prominent insurance carriers such as AAA, Progressive, and Zurich. The Janasko team also assists clients looking for auto, life, and RV insurance.

  • Renter's Insurance
  • Condos
  • Flood

8015 Bertha Ave, Parma, OH 44129

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Google
5.0 (12)
Yelp
5.0 (2)

Why choose this provider?

For more than 30 years, Zavagno Insurance Agency, which is affiliated with Universal Insurance Company Inc., has sold home insurance to residents of Cleveland, Ohio. It represents a variety of well-known insurance providers, including Safeco, Progressive, Erie Insurance, and Foremost Insurance Group. The company's home insurance policies cover damages to both the interior and exterior of policyholder's homes if damage occurs as the result of a covered reason. In addition to home insurance, Zavagno Insurance Agency sells auto insurance policies.

  • Flood
  • Homeowners

5634 Broadway Ave, Cleveland, OH 44127

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Agency Associates has been providing comprehensive insurance solutions to individuals and families in the Cleveland metro since 2012. It deals with a range of personal insurance plans, including homeowners' policies. The independent company helps clients obtain personal liability and property, dwelling, off-premises theft, medical payment, and additional living expense coverages. Its specialists also assist clients in achieving financial goals through their financial education services. Founder James Trivisonno has been in the insurance industry for over 30 years.

  • Homeowners

3421 Prospect Ave E, Cleveland, OH 44115

Expertise.com Rating

Review Sources

Google
4.5 (67)
Yelp
1.0 (1)

Why choose this provider?

A&A Action Auto Insurance is an independent home insurance agency serving the residents of Cleveland, Ohio, and the nearby area. The company maintains relationships with insurance providers, such as Founders, National General, and Dairyland, to offer clients customized plans for covering their homes and condos. These policies protect the client in cases of personal and visitors' liability, damage to the home, and loss of personal belongings. The agency also sells auto and watercraft insurance.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types

1 Berea Commons Suite 203, Berea, OH 44017

Expertise.com Rating

Review Sources

Google
4.9 (72)
Yelp
5.0 (1)

Why choose this provider?

Cleveland Insurance Brokers is an independent agency that has been serving local families and businesses since 2018. It helps individuals and their families in protecting their properties and personal belongings by providing homeowners' insurance coverage options. Its team of agents partners with different insurance carriers to deliver tailored solutions, such as Next Insurance and Branch Insurance. The agency's principal broker, Christopher M. Becerra, has served as consultant, manager, and producer in the industry since 2014.

  • Multiple Carriers

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.
  • Why do you need to purchase homeowners insurance in Cleveland?

    Even though it's not required by the law to purchase homeowners insurance in Cleveland, having this policy can help protect you and your finances if your property has been damaged in an accident or a natural calamity. By not having this protection, you will be forced to cover the repair and replacement cost for these damages with your own money.

  • Is your jewelry covered by your homeowners' insurance in Cleveland?

    Yes, the personal property coverage in your Cleveland homeowners' insurance protects your jewelry, but only up to a specific amount. Standard home policies in Cleveland usually cover up to $1,500 worth of jewelry. If the amount of your jewelry is more than this limit, you might consider adding valuables insurance to your plan to cover the repairs and replacement of your jewelry.

  • After purchasing homeowners' insurance in Cleveland, do you need to buy a separate policy for your personal belongings?

    No, your personal belongings, which include anything that is and isn't attached to your home, are already covered in your policy in Cleveland, be it homeowners' or renters' insurance coverage. Take note that your insurance plan can only cover the amount of your belongings up to certain limits and you should inform your insurer of any addition to your house.

  • Is flood coverage included under homeowners' policies in Cleveland?

    No, it is not included in a Cleveland homeowners' insurance policy and other commercial property plans. You need to purchase this coverage separately to ensure that your home is protected from damages in the event that your property suffers losses in a flood. This policy will not only cover your home, but also your appliances, the property's foundation, and its systems.

  • Aside from flood coverage, what other coverages can you add to your homeowners' insurance policy in Cleveland?

    You have the freedom to customize your Cleveland homeowners' insurance policy to fit your specific needs. You can add coverages for personal injury, property damage, collectible cars, off-premises theft, and excess liability coverage. By doing so, you can ensure that your home has maximum security against adversaries and protect your finances from costly repair and replacement payments.

  • 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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