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.
By
Andrew HurstAndrew HurstSenior Editor & Licensed Insurance ExpertAndrew Hurst is a former senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.
Edited by
Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and former 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.
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Reviewed by
Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and former 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.
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.
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: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Compare home insurance rates in Cleveland
We don't sell your information to third parties.
2024 Policygenius award winner
State Farm
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.8
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) 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 it
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 cons
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 details
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.
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.
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 it
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 cons
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 details
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.
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.
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 ($$$$$).
$
$
$
$
$
Mobile app
Bundle home & auto
Why we chose it
Erie's wide range of coverage options, industry-best customer service ratings, and affordable rates make it one of the best home insurance companies in Cleveland.
Pros and cons
Pros
Guaranteed replacement cost comes standard on Erie policies
Excellent customer service and claims satisfaction ratings
Cheaper rates than average in Cleveland
Cons
Offers only a few discounts
More details
Why we chose Erie
Erie is one of the best homeowners insurance companies in Cleveland for those who want to add more protection to a basic policy, get top-rated customer service, and pay cheaper-than-average premiums.
Home insurance policies from Erie come standard with guaranteed replacement cost coverage — which you often have to pay extra for at other companies. A basic policy also covers lost and misplaced items, jewelry, and gift cards to closed businesses.
Erie also offers a range of add-ons that you can purchase, like short-term rental coverage, equipment breakdown coverage, water backup protection, underground service line coverage, and more.
How do Erie home insurance rates compare to the average in Cleveland?
The average cost of Erie home insurance in Cleveland is $1,004 per year, which is 19% cheaper than the citywide average.
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
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 cons
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 details
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.
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.
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 it
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 cons
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 details
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.
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%
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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%
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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.
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, WestfieldInsurance, Erie, Auto-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.
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
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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
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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
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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
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.
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.
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.
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.
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.
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.
Andrew Hurst is a former senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.
Pat Howard is a licensed insurance expert and former 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.