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ohio homeowners insurance

The Buckeye State has a lot to offer homeowners, like vast plots of land and top–quality schools (even the Rock and Roll Hall of Fame!). You can get even more out of the place you call home when you have affordable Ohio home insurance that covers you, your pad, and even your guests. Whether you live in a rural town or a bustling city like Columbus or Cleveland, home insurance protects your furniture, clothing, appliances, jewelry, and so much more.

When you get a free homeowners insurance quote from Esurance for your Ohio home, you can get coverages and discounts unique to you — so you can easily keep what matters most safe and sound.

benefits of an esurance home policy

Here's how we make it easy to protect your home, finances, and more.

Automatic dwelling protection updates

We'll automatically check to see if the reconstruction cost has changed in your area every time you renew your homeowners insurance in Ohio, just in case your home needs to be completely rebuilt or repaired after a covered incident.

If the cost has increased, we'll update your policy automatically. (Plus, we'll always let you know how the change affects your premium.) And if the cost has decreased, we'll inform you so you can update your coverage if you'd like. We help keep it easy to stay informed (and save).

A quick quoting process

If you've already got an auto policy with us, it's even easier to get started with homeowners coverage. Your personal info is automatically filled in when you begin your Ohio homeowners insurance quote, so buying a policy is simple and speedy.

5 percent back with claim forgiveness

When you add this feature, you'll get up to 5 percent off your premium if you're claim–free at the end of your term. But if you do file a claim, don't worry — you get to keep your Claim–Free discount.

And we know that accidents happen, so your rates won't increase due to a one–time mishap.

ohio homeowners insurance discounts

A great policy doesn't have to cost a fortune — we make it easy to score discounts on your coverage.

Welcome Home discount

Just for choosing Esurance to insure your home, we'll give you savings on your premium for the first 2 policy terms.

Smoke–Free discount

If no one in your home smokes, you could stand to save.

DIY Inspection discount

When you send us a copy of your home appraisal completed within the last year, you could score savings for being proactive.

Future Effective Date discount

Sounds fancy, but it's pretty simple. If you set the date of your homeowners policy to be effective at least 7 days after you purchase the policy, you could save on coverage.

Home Safety Features discount

Extra safety at home might be reward enough, but you'll still qualify for a discount if you have common–sense safety features like fire sprinklers, deadbolt locks, and burglar alarms.

Multi–Policy discount

You can save simply by having another policy with us (like motorcycle insurance or car insurance) in addition to your Esurance homeowners coverage.

Wondering how you can save even more? Other Ohio home insurance discounts include the Claim–Free discount, Hail Resistant Roof discount, New Home discount, Loyal Customer discount, and the Preferred Buyer discount.

standard homeowners coverages in ohio

Homeowners insurance from Esurance has a top–tier mix of coverage options that come standard with your policy, such as:

Dwelling protection

Homeowners insurance protects you against all sorts of mishaps, like fire, wind, vandalism, and much more. Your Esurance home policy can help you repair or rebuild after such disasters.

It's good to get at least enough dwelling protection to cover the total cost of rebuilding your house in case of catastrophe. Plus, you can always tack on even higher limits if you'd like.

Personal property protection

As a homeowner, you've probably got a lot that needs protecting aside from your house itself. Property protection helps repair or replace the everyday belongings in your home — such as electronics, appliances, furniture, clothing, and more — if they're stolen, vandalized, or otherwise damaged by a covered risk.

Family liability protection

If you or someone on your policy accidentally injures someone or damages others' property, your homeowners policy can help cover liability costs like hefty legal fees, settlements, and medical bills.

Plus, it's simple to raise your liability coverage limit if you'd like. Even better: you don't have to pay a deductible for this coverage to kick in.

Additional living expense coverage

If a covered loss temporarily renders your home unlivable and you need somewhere to go while it's being repaired, fear not — we'll help cover the cost of your hotel, meals, and other incremental living expenses for up to 12 months (up to your limit) after the incident.

Other structures coverage

When you insure your home with us, you can also get protection for structures not attached to your main house, like a gazebo or carport.

optional coverages for ohio homeowners

It's easy to get more out of your homeowners policy when you purchase additional coverage options for your home.

Roof surfaces extended coverage

Depending on where in Ohio you live, you can get upwards of 60 inches of snow a year. And if Mother Nature unleashes her wrath on your roof, the damage could exceed your dwelling coverage limits or other structures protection.

Fortunately, you can add roof surfaces extended coverage to your policy, which helps provide the funds to repair or replace your roof (up to your coverage limit) if wind, hail, or another covered hazard damage it.

Additional coverage on jewelry, watches, and furs

Basic personal property coverage isn't always enough to secure your most valuable possessions. When it comes to caring for your big–ticket belongings, additional coverage is the way to go. It can help protect your savings if your most prized items are stolen or damaged.

Identity theft expense coverage

A standard homeowners policy protects your home, your belongings, and your liability, but what if you're a victim of identity theft?

If your identity is stolen, we set you up with a service dedicated to rectifying damages, give you access to your annual credit report and score, and more. Plus, this coverage is affordable — just $3 a month (or $4 for 2 people).

Eco upgrade

If an energy–inefficient appliance is damaged in a covered incident, this coverage will help you upgrade to an ENERGY STAR qualified replacement. That way, you can help the environment and your wallet, just like that.

Related links

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Dangers of winter driving
Flurries are beautiful … from a distance. Here are some tips to help you safely get from A to B when it's icy out.

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