Best homeowners insurance in Cleveland, OH (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Cleveland.

Headshot of Andrew Hurst

By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
|

Reviewed by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Updated|4 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

The average cost of homeowners insurance in Cleveland is $1,239 per year or $103 a month. This is on par with the Ohio state average and nearly 29% cheaper than the national average.

However, cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Cleveland.  

Compare home insurance rates in Cleveland

We don't sell your information to third parties.

Compare the best cheap homeowners insurance companies in Cleveland

The best homeowners insurance companies in Cleveland are State Farm, Cincinnati Insurance, Erie, Farmers, and Grange Insurance.

To find the best cheap homeowners insurance in Cleveland, Policygenius rated over a dozen of the largest insurance companies in Ohio across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.

Company

Average monthly cost

Policygenius rating

State Farm

$130

4.8 out of 5

Cincinnati Insurance

$99

4.5 out of 5

Erie

$84

4.5 out of 5

Farmers

$124

4.5 out of 5

Grange Insurance

$102

4.5 out of 5

Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Compare home insurance rates in Cleveland

We don't sell your information to third parties.

award icon

2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Offers earthquake insurance

Wind/hail deductible

Offers wildfire insurance

Why we chose itchevron icon

State Farm is one of the best home insurance companies in Cleveland thanks to its wide selection of coverage options, high customer service marks, and industry-best financial stability ratings.

Pros and conschevron icon

Pros

  • Top-tier coverage add-ons, including extended replacement cost coverage

  • High customer satisfaction and financial strength ratings

  • Offers large discounts when you bundle your home and auto insurance

Cons

  • No discounts for first-time homebuyers

  • Rates are more expensive than average in Cleveland

More detailschevron icon

Why we chose State Farm

State Farm is one of the best home insurance companies in Cleveland. We like that State Farm lets you get extended replacement cost coverage for your home, replacement cost coverage for your personal property, water backup protection, and more.

State Farm also has high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. On top of that, State Farm has received the highest rating possible from A.M. Best for financial strength and stability.

One downside is that State Farm's home insurance rates are much higher than average in Cleveland, so if you want the cheapest coverage State Farm might not be right for you.

How do State Farm home insurance rates compare to the Cleveland average?

The average cost of home insurance from State Farm in Cleveland is $1,556 per year, which is 26% more expensive than the citywide average.

How to get a quote

Online through State Farm or by contacting your local State Farm agent.

award icon

2024 Policygenius award winner

Cincinnati Insurance

Cincinnati Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

Good student discount

New homebuyer discount

Offers classic car insurance

Offers earthquake insurance

Offers extended replacement cost

Offers gap coverage

Offers wildfire insurance

Why we chose itchevron icon

Cincinnati Insurance is one of the best home insurance companies in Cleveland if your home is worth at least $750,000. If you have a high-value home, Cincinnati Insurance is a great choice for its range of coverage offerings and affordable rates.

Pros and conschevron icon

Pros

  • Earns 5-star ratings for customer service, financial stability, and coverage options

  • Offers a lot of valuable add-ons, including extended replacement cost coverage

  • Cheaper rates than average in Cleveland

Cons

  • Best coverage only available to higher-value homes

  • No online quote tool

More detailschevron icon

Why we chose Cincinnati Insurance

Cincinnati Insurance is one of the top home insurance companies in Cleveland for its Executive Select Plan. If your house is worth at least $750,000, you could add extended replacement cost coverage for your home, replacement cost coverage for your personal property, water backup protection, identity theft coverage, and more to your policy.

We also like Cincinnati Insurance's cheap rates. On average, Cincinnati Insurance is one of the cheaper insurance companies in Cleveland. The company also offers a few discounts, like a bundling and new home discount, that could lower your rates even more.

How do Cincinnati Insurance rates compare to the Cleveland average?

We found that the cost of home insurance from Cincinnati Insurance is $1,193 per year, which is 4% cheaper than the citywide average.

How to get a quote

Find an agent via Cincinnati Insurance's website

award icon

2024 Policygenius award winner

Erie

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Mobile app

Bundle home & auto

Why we chose itchevron icon

Erie's wide range of coverage options, industry-best customer service ratings, and affordable rates make it one of the best home insurance companies in Cleveland.

Pros and conschevron icon

Pros

  • Guaranteed replacement cost comes standard on Erie policies

  • Excellent customer service and claims satisfaction ratings

  • Cheaper rates than average in Cleveland

Cons

  • Offers only a few discounts

More detailschevron icon

Why we chose Erie

Erie is one of the best homeowners insurance companies in Cleveland for those who want to add more protection to a basic policy, get top-rated customer service, and pay cheaper-than-average premiums.

Home insurance policies from Erie come standard with guaranteed replacement cost coverage — which you often have to pay extra for at other companies. A basic policy also covers lost and misplaced items, jewelry, and gift cards to closed businesses.

Erie also offers a range of add-ons that you can purchase, like short-term rental coverage, equipment breakdown coverage, water backup protection, underground service line coverage, and more.

How do Erie home insurance rates compare to the average in Cleveland?

The average cost of Erie home insurance in Cleveland is $1,004 per year, which is 19% cheaper than the citywide average.

How to get a quote

Online through Erie

award icon

2024 Policygenius award winner

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Farmers is one of the best home insurance companies in Cleveland for those who want to add coverage to their policies. Farmers also has a range of discounts and high claims satisfaction scores — though it's not the cheapest company in the city.

Pros and conschevron icon

Pros

  • Optional extended or guaranteed replacement cost dwelling coverage

  • Receives few complaints from policyholders and has a high claims satisfaction score

  • Lots of available discounts

Cons

  • Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys

  • More expensive than average in Cleveland

More detailschevron icon

Why we chose Farmers

Farmers is one of the best home insurance companies in Cleveland, especially if you want to add coverage to a basic policy. Optional coverages from Farmers include guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.

Farmers also earned a high score in J.D. Power’s 2022 claims satisfaction study (though it scored below average on J.D. Power’s overall customer satisfaction and digital experience surveys). Plus, Farmers receives fewer complaints than average, according to the National Association of Insurance Commissioners.

Farmers is one of the best companies for bundling home and auto coverage (you could save up to 18% on your premiums by bundling). The company also offers more than a dozen other discounts, many of which are easy for most homeowners to qualify for.

How do Farmers home insurance rates compare to the average in Cleveland?

The average cost of Farmers home insurance in Cleveland is $1,485 per year, which is 20% more expensive than the city's average annual premium.

How to get a quote

Online through Farmers

award icon

2024 Policygenius award winner

Grange Insurance

Grange Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

New homebuyer discount

Smart home discounts

Bundle home & auto

Offers extended replacement cost

Offers gap coverage

Usage-based discount

Good student discount

Accident forgiveness

Mobile app

Why we chose itchevron icon

Grange Insurance is best suited for homeowners who prefer to work with a local agent to get a quote. Besides attentive service, Grange offers a range of coverage add-ons.

Pros and conschevron icon

Pros

  • Offers extended replacement cost coverage, other add-ons

  • Gets fewer complaints than average

  • Mobile app makes it easy to manage your policy and file claims

Cons

  • Must speak with an agent to get a quote

  • Doesn’t offer flood insurance

More detailschevron icon

Why we chose Grange Insurance

Grange Insurance is one of the top insurance providers in Cleveland, especially if you want coverage from a smaller regional company. According to the National Association of Insurance Commissioners, Grange Insurance receives fewer complaints than average from its customers.

We also like that Grange Insurance offers a wide range of coverage options. The company lets homeowners add extended replacement cost coverage for their home, replacement cost coverage for their property, service line coverage, water backup protection, and more to a basic policy.

How do Grange Insurance's home insurance rates compare to the Cleveland average?

We found that the average cost of homeowners insurance from Grange Insurance is $1,218 per year in Cleveland, which is 2% cheaper than the citywide average.

How to get a quote

Find an agent online with Grange Insurance

How much is homeowners insurance in Cleveland?

The average cost of homeowners insurance in Cleveland is $1,239 per year, or $103 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in Cleveland is only a few dollars more expensive than the statewide average of $1,236.

Cleveland home insurance rates by ZIP code

To help you find out how much home insurance costs where you live, we calculated average home insurance rates by ZIP code in Cleveland.

ZIP code

Average annual cost

Difference from state average (%)

44102

$1,213

-2%

44111

$1,154

-7%

44109

$1,208

-2%

44120

$1,244

1%

44105

$1,294

5%

44128

$1,201

-3%

44135

$1,113

-10%

44106

$1,258

2%

44108

$1,294

5%

44113

$1,223

-1%

Collapse table

Cheapest ZIP codes for home insurance in Cleveland

We found that the cheapest average homeowners insurance in Cleveland is in the 44135 ZIP code. On average, the cost of homeowners insurance in this ZIP code is $1,113 per year, 10% cheaper than Ohio's average.

ZIP code

Average annual cost

Difference from state average (%)

44135

$1,113

-10%

44111

$1,154

-7%

44119

$1,174

-5%

44128

$1,201

-3%

44109

$1,208

-2%

44102

$1,213

-2%

44113

$1,223

-1%

44101

$1,234

0%

44120

$1,244

1%

Collapse table

Most expensive areas for homeowners insurance in Cleveland

With an average home insurance rate of $1,322 per year, the 44103 ZIP code is the most expensive area for home insurance in Cleveland. Rates here are 7% more expensive than Ohio's average.

ZIP code

Average annual cost

Difference from state average (%)

44103

$1,322

7%

44104

$1,307

6%

44105

$1,294

5%

44108

$1,294

5%

44115

$1,276

3%

44127

$1,274

3%

44114

$1,266

2%

44106

$1,258

2%

44110

$1,253

1%

Collapse table

Learn more >> Home insurance rates by ZIP code

Cleveland home insurance costs by coverage amount

Dwelling coverage protects the physical structure of your home against covered losses, and you should have enough of it to fully replace your home, while personal liability coverage covers medical bills or legal fees in the event someone is injured on your property.

Generally speaking, more dwelling coverage equals higher home insurance rates.

Dwelling coverage limit

Average annual cost

$100,000

$661

$200,000

$950

$300,000

$1,239

$400,000

$1,541

$500,000

$1,864

Cleveland home insurance costs by deductible amount

Your deductible is the amount you’re responsible for paying when you file a home insurance claim. In general, a higher deductible means lower yearly premiums, but your deductible must be paid with each and every accepted claim.

As seen in the table below, Cleveland residents can save around $200 on home insurance by choosing a $2,000 deductible over the $500 option.

Deductible

Average annual cost

$500

$1,836

$1,000

$1,056

$2,000

$1,483

Cheapest homeowners insurance companies in Cleveland

We found that the cheapest homeowners insurance companies in Cleveland are Ohio Mutual, Westfield InsuranceErieAuto-Owners, and Western Reserve. That said, your rates depend on where you live and other factors like coverage amount, deductible, your credit, home's age, and claims history.

Company

Average annual cost

Ohio Mutual Insurance

$759

Westfield Insurance

$932

Erie

$1,004

Auto-Owners Insurance

$1,137

Western Reserve Group

$1,143

Cincinnati Insurance

$1,193

Grange Insurance

$1,218

Allstate

$1,286

USAA

$1,320

Progressive

$1,342

Encova Insurance

$1,400

Farmers

$1,485

State Farm

$1,556

Nationwide

$1,577

Collapse table

Cheapest home insurance in Cleveland if you have poor credit

A homeowner with a low credit score is seen as high risk, since they’re more likely to rely on home insurance for small damages or losses. So some insurance companies increase yearly premiums as a result. 

With an average rate of $963 per year, Ohio Mutual has the cheapest home insurance rates in Cleveland for a homeowner with poor credit.

Company

Average annual cost

Ohio Mutual Insurance

$963

Western Reserve Group

$1,459

Westfield Insurance

$1,496

Cincinnati Insurance

$1,611

Grange Insurance

$1,843

Progressive

$1,889

USAA

$1,902

Allstate

$2,072

Nationwide

$2,093

Erie

$2,266

Encova Insurance

$2,566

State Farm

$2,671

Farmers

$3,335

Auto-Owners Insurance

$10,098

Collapse table

Cheapest home insurance in Cleveland if you have an older home

It can be more expensive to insure older homes since they can be more prone to structural damage than newer homes. They're also often made with with materials and features that would be more expensive to replace after a claim.

The cheapest home insurance rates in Cleveland for an older home come from Ohio Mutual, which has an average cost of $775 per year.

Company

Average annual cost

Ohio Mutual Insurance

$775

Erie

$1,039

Western Reserve Group

$1,098

Auto-Owners Insurance

$1,136

Allstate

$1,238

Grange Insurance

$1,275

Cincinnati Insurance

$1,292

Westfield Insurance

$1,351

USAA

$1,392

Progressive

$1,424

Farmers

$1,462

Encova Insurance

$1,550

State Farm

$1,556

Nationwide

$1,587

Collapse table

Cheapest homeowners insurance in Cleveland if you have a history of claims

Having a history of claims is one of the most likely reasons why your rates could be expensive. If you have multiple claims on your record, insurers will think you're more likely to file future claims than a homeowner without any past claims.

We found that Ohio Mutual offers the cheapest home insurance rates in Cleveland for someone with three claims in a five-year period.

Company

Average annual cost

Ohio Mutual Insurance

$964

Auto-Owners Insurance

$1,137

Westfield Insurance

$1,581

Grange Insurance

$1,636

Western Reserve Group

$1,666

State Farm

$1,775

Progressive

$1,775

Erie

$1,850

Allstate

$2,143

Encova Insurance

$2,183

USAA

$2,388

Farmers

$2,479

Cincinnati Insurance

$2,701

Nationwide

$2,781

Collapse table

Coverage options in Cleveland

When looking at how much each insurance company charges for different coverage levels and risks, you should also be aware of what your policy does and doesn’t cover.

When you're buying homeowners insurance in Cleveland, you should be sure you're protected from damage caused by flooding and winter weather.

Flood insurance

Many homes in Cleveland and the surrounding area may be at risk of flooding because of how close they are to Lake Erie and the Cuyahoga River. Despite the risk, homeowners insurance policies don't cover damage from floods.

If you live in a part of Cleveland that's prone to flooding, you should consider getting flood insurance. A few companies offer flood insurance endorsements or even separate flood insurance policies, but most companies offer coverage through the National Flood Insurance Program (NFIP).

Insurance for wintry weather

Winters in Cleveland can bring high winds and lots of snow and ice. While Cleveland's strong winters could damage your home, most home insurance policies cover damage from wintry weather, like windstorms, frozen pipes, collapsed roofs, and more.

That said, it's always a good idea to make sure that your home is fully protected by adding extended or guaranteed replacement cost coverage to your dwelling coverage if it's available. That way, you will have enough insurance to fully rebuild your home if it were damaged.

How to get homeowners insurance quotes in Cleveland

It’s extra important for Cleveland residents to compare policies from multiple companies to make sure they’re getting the best coverage at the fairest price. 

Here are a few steps to follow as you shop for homeowners insurance in Cleveland:

Steps to buying homeowners insurance in Cleveland, OH

  1. Reach out to a licensed Policygenius agent. Our team of licensed home insurance experts are ready to help you figure out how much coverage you need and what company offers it at the best price.

  2. Ask about Ohio’s FAIR Plan provider. If you or your home are considered “high risk” and you’re struggling to get coverage through a traditional insurance company, ask your Policygenius agent about last resort home insurance via an Ohio FAIR Plan.

  3. Consider purchasing flood insurance. Did you know flooding isn't covered in standard home insurance policies? Cleveland residents are at an increased risk of flood damage, so it's a good idea to purchase flood insurance if you live in a floodplain. 

  4. Figure out how high of a deductible you can afford. Increasing your deductible can lower your home insurance premiums drastically, but that also means you’ll have to pay more out of pocket when you file a claim. Be sure to set your deductible at an amount you’re financially capable of paying.

  5. Compare quotes from a Policygenius agent. Once you’ve nailed down your coverage needs and input information about your home, a Policygenius agent will walk you through quotes from a few different companies to help you find the best policy for your needs.

  6. Sign the policy and pay your first premium. After you’ve decided on a policy, your Policygenius agent will sort through all the paperwork on your behalf. The only thing left to do is sign the policy and pay your first premium.  

Compare home insurance rates in Cleveland

We don't sell your information to third parties.

Frequently asked questions

What is the average cost of homeowners insurance in Cleveland?

The average cost of homeowners insurance in Cleveland, Ohio is $103 per month, or $1,239 per year.

Are homeowners in Cleveland required to have home insurance?

Cleveland doesn't have any state or local laws that require homeowners to carry home insurance. However, most mortgage lenders require you to purchase coverage before extending you a home loan.

What's the most important part of home insurance?

People might think the most important part of home insurance is the type of coverage in your policy, but what’s really key is getting your coverage amounts correct. If your coverage limits are too low, you could be in hot water if your home is damaged or destroyed. If your coverage limits are higher than your home’s insured value, you’ll find yourself overpaying for coverage you don’t need.

Author

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Questions about this page? Email us at .