There's nothing quite like owning your own home. Whether you've put down roots in Cleveland, Columbus, Cincinnati or anywhere in between, it's important to have homeowners insurance you and your family can depend on. Nationwide has been helping Ohioans protect what's most important for over 85 years. We offer homeowners insurance policies that are reliable and flexible so you can decide what coverage fits you and your family’s needs. And with our homeowners insurance discounts, members can save even more on our affordable home insurance rates. Get an Ohio homeowners insurance quote and start protecting your home today.
Ohio homeowners coverages and discounts
What we can cover
Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.
What factors go into determining a homeowners insurance rate?
While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:
Location includes the state, ZIP code, and claims history of the area.
The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.
Age of the house
How new or old the house is, and the upgrades that were made to an older home.
The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.
Owning a swimming pool may increase your liability coverage to cover possible injuries.
If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.
The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.
Policy features that may meet the needs of Ohio homeowners
Whether you live in a townhouse in Cleveland, a ranch-style home in the Dayton suburbs or a farmhouse outside Toledo, Nationwide has you covered. Here are a few features of Nationwide home insurance that may meet the unique needs of Ohio homeowners:
Water backup1 can help protect you from losses caused by backed-up sewer or drain water.
Identity theft protection helps defend you against fraud and identity theft and can stop damages to your credit within minutes.
Nationwide agents throughout Ohio are ready to assist you
A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
Increase or decrease your deductible(s)
Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
 Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.