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Find the Best Homeowners Insurance Companies in Cleveland, OH

Homeowners insurance protects your property. The cost depends on the amount of coverage, deductible, age and condition of the home and the owner’s credit and insurance claim history. The Cleveland market is very competitive and includes Progressive Insurance, which is headquartered locally. We researched the best homeowners insurance in Cleveland to guide you to trustworthy companies that will insure your assets.

Compare Cleveland Homeowners Insurance

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  • Over 35 agents in Cleveland
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  • Multi-policy discounts
  • Contractor network
Progressive Agent - Good Sam Agency: 800 Superior Ave., 6 F
Cleveland, OH 44114
(888) 772-1175
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  • Fire safety discounts
  • Free online quotes
  • Security system discounts
  • Liability coverage
GEICO Agent - James Moyer 4679 Great Northern Blvd.
North Olmsted, OH 44070
(440) 777-7272
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State Farm
  • Multi-policy discounts
  • Free online quotes
  • Available in Cleveland
  • Small business coverage
State Farm Agent - Dick McClement 2700 W. 25th St.
Cleveland, OH 44113
(216) 621-3723
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Pilat Insurance Agency, Inc.
  • Auto, home & personal
  • Commercial insurance
  • Special event insurance
  • pilatinsurance.com
5925 Ridge Rd.
Cleveland, OH 44129
(440) 888-1150
Keller National, LLC
  • Online claims reporting
  • Personal & commercial
  • Specialty property
  • kellernational.com
3109 Mayfield Rd.
Cleveland Heights, OH 44118
(216) 965-0646
Ohio Insurance Center Agency
  • M-F: 9am - 5:30pm
  • Closed Sat and Sun
  • ohioinsurancecenter.com
7404 Hamilton Ave.
Cincinnati, OH 45231
(513) 522-6300
Washington and Co Insurance Agency
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • ohioinsurancequote.net
2565 Noble Rd.
Cleveland Heights, OH 44121
(216) 691-9227
Four Star Insurance Agency
  • M-F: 9am - 5pm
  • Sat: 9am - 12pm
  • Closed Sun
  • fourstarinsurance.com
5835 Pearl Rd.
Parma, OH 44130
(440) 882-2000
Farmers Insurance - Earl Soroka
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • agents.farmers.com/oh/cleveland
1621 Euclid Ave., Ste. 408
Cleveland, OH 44115
(216) 452-0885
Brown Brown Insurance Services
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • brownbrowninsuranceservices.com
3691 Lee Road, Ste. 210
Shaker Heights, OH 44120
(216) 751-2713
Insure Ohio
  • M-F: 9am - 9pm
  • Sat: 10am - 8pm
  • Closed Sun
  • insohio.com/home-insurance
7803 Brookpark Rd.
Parma, OH 44129
(216) 712-7850

Choosing homeowners insurance in Cleveland

cleveland Skyline

Homeowners insurance premiums in the U.S. average $1,083 annually. Cleveland premiums average 26 percent less at $797. Ohio is ranked ninth lowest among U.S. states.

Average annual insurance premiums for a $200,000 home with a $1,000 deductible are $824 in Old Brooklyn, $855 in Collinwood and $884 in the North-Broadway neighborhood. For a $400,000 home, premiums range between $1,491 and $1,592.

Prices decrease in the Cleveland suburbs. A $200,000 home in South Euclid has an average premium of $798, with Lakewood and Brook Park at $780 and $719. A $400,000 home in these suburbs ranges from $1,271 to $1,440.

Homeowners may benefit from discounts. State Farm and GEICO offer 10 to 15 percent off when you “bundle,” or purchase other types of insurance with them. Progressive offers unique discounts for paying the entire yearly premium in advance or enrolling in paperless (electronic) document delivery.

Although Ohio does not require homeowners insurance, mortgage lenders do. Homeowners unable to find any insurer may consider the state's FAIR Plan for help. Coverage is critical to avoid being financially liable for property damage or injuries to guests at your home. Ohio homeowner claims in 2015 totaled about $1.1 billion, largely caused by wind, hail and water.

Natural hazards and additional coverage for Cleveland residents

Homeowners should carefully read their policy details to understand what is and is not included. For example, flood insurance must be purchased separately. Neighborhoods in Cleveland city limits at high risk of flooding are next to the Cuyahoga River, including:
  • Kinsman
  • Lee-Harvard
  • Buckeye-Shaker Square
  • Jefferson
  • Buckeye-Woodhill

Proximity to the Big Creek Reservation causes flooding in these suburbs:

  • Parma
  • Brooklyn

Earthquakes, termites and intentionally caused injuries or damage are also excluded from coverage.

Fortunately, Cleveland has not had a major earthquake in over 100 years and has no hurricane exposure.

Icy Ohio winters cause frozen pipes and roof damage. Pipes must be properly insulated to avoid freezing and bursting. These conditions are unlikely to cause sudden roof damage, but over time water freezing into ice expands roofing materials and damages them.

Cleveland Homeowners Insurance Reviews


Clevelanders tend to support Progressive because they are headquartered locally and employ many residents. Customers give positive feedback for the HomeQuote Explorer. This online tool gives you multiple quotes in under 15 minutes.



GEICO is best known in Cleveland for automobile insurance. Customer reviews often take issue with GEICO not underwriting their own home insurance policies, but GEICO can offer good discounts when bundling home and auto insurance.


State Farm

In Cleveland, State Farm emphasizes how many of their agents are local. Not surprisingly, many customer reviews mention their agent by name and love having all of their insurance needs handled by one agent and company.

State Farm

Pilat Insurance Agency, Inc.

Pilat Insurance Agency is an independent company based in Parma, OH. Their customers say they appreciate the personal service and friendly local agents. Feedback strongly suggests Pilat is a good fit for those seeking excellent service and dependability—and not for those shopping by price alone.

Pilat Insurance Agency, Inc.

Keller National, LLC

Based in Cleveland Heights, Keller National prides itself on personal insurance services, including homeowners, for Northeast Ohio residents. As an independent company, they work with different insurance providers and help you select the best coverage for the lowest price while keeping your policy up-to-date if your insurance needs change.

Keller National, LLC