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Best Homeowners Insurance Agencies in Ohio

2024

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Providers

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Website
Cincinnati

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (38)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Pickerington

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Rossford

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Toledo

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (58)
Facebook
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Cincinnati

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Cincinnati

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.6 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Worthington

Why choose this provider?

All Ohio Insurance provides personal and commercial lines of protection for communities in Ohio. Its team furnishes the best plans for homeowners, renters, and condominium residents. The agents also write policies that cover vacant dwellings and valuable possessions such as jewelry and collectibles. Additionally, they insure owners of cars, motorcycles, and recreational vehicles. All Ohio Insurance principal Dave DeRoberts has been working in the insurance industry for more than three decades. He is a former president of the Professional Insurance Agents Association of Ohio.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Columbus

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.7 / 5 (15)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Cincinnati

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Columbus

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.7 / 5 (31)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Columbus

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (69)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
University Heights

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Cincinnati

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Holland

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.9 / 5 (60)
Google
4.8 / 5 (33)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Berea

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (94)
Facebook
5.0 / 5 (27)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.
  • 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.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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