Home insurance
in Ohio

Home insurance 
in Ohio

Malhotra & Assoc. Insurance Has You Covered

Homeowner Insurance for Ohio

As an Independent Insurance Agency, our friendly team makes finding homeowner insurance in Ohio easy and affordable. Regardless of the type of coverage you require, we will create a tailored package that suits your needs and your budget.

We offer honest advice, affordable prices, and a truly personalized service.

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Ohio Home insurance

Frequently Asked Questions about Ohio Home Insurance

When it comes to home insurance in Ohio, we tend to get the same questions often.

How Much Renter’s Insurance Should I Get?

Many landlords have certain requirements for their tenants when it comes to renter’s insurance. For personal possessions coverage, you should have enough to match the replacement value of the belongings you want to insure. A key point you need to consider is whether insurance covers the actual value of your belongings or the replacement value; knowing that each option will pay out a different amount in the event of a claim, and you will pay more for replacement cost coverage. 

Do I Need to Buy Renter’s Insurance for Shared Accommodation? 

In almost all cases, yes. Keep in mind, that even if you live with roommates, their renter’s insurance policy may not cover you. Make sure each roommate is written onto the policy or (preferably) carries their own renter’s insurance. 

Buy Homeowners Insurance with Malhotra & Assoc. Insurance

Buying the best homeowner’s insurance is easy with Malhotra. We’ll make sure you get the best deal for comprehensive coverage for your home and your property. We work with some of the best insurance carriers to develop a policy that fits your needs, your property, and your budget. Call us today or visit one of our locations!

Buying Homeowner Insurance in Ohio

At Malhotra & Assoc. Insurance, we work hard to make sure you get great value and high quality service. Our tailored homeowner’s insurance quotes for Ohio properties can cover your home, contents, and other valuable items when they are in the property and, if requested, away from home. Whatever you require, our team will make sure you only pay for the items you need.

Aside from the fact that most mortgage providers will insist you buy homeowner insurance, it is designed to help you cover yourself against some potentially very costly events. 

You are typically covered against damage caused by the following events; but in certain cases, you may receive more or less coverage. 

  • Frozen plumbing
  • Falling objects
  • Fire and smoke
  • Hail
  • Floods
  • Windstorm
  • Water damage caused by appliances, HVAC, plumbing, or water heater

Ohio Home Insurance Types

There are several types of homeowner insurance that offer different coverages. In total, there are eight types ranging from HO-1 to HO-8. The most common home insurance policy is an HO-3, which covers:


Dwelling coverage provides compensation to the insured if the physical structure of the home is damaged or lost due to certain perils. HO-3 policies are typically all-risk policies, which means it covers all perils that are not specifically excluded on the policy. Common exclusions are flood and earthquake damage.

Personal Property

Contents coverage provides compensation for your personal belongings that are lost or damaged due to the same perils as covered under the dwelling coverage. This usually includes fire, lightning, smoke, hail, theft and vandalism.


Liability insurance steps in if you or a family member causes bodily injury or property damage to someone else.

Additional Living Expenses

Additional living expenses (ALE), also known as “loss of use,” helps with the cost of momentarily moving somewhere else while repairs are being made to the home.

You can also purchase water backup coverage, which compensates for damages to your home or belongings because of sewer or plumbing issues.

If you’d like to look at the options, our friendly team can tailor a quote based on your needs, and we can help you explore different pricing scenarios for homeowner coverage in Ohio.

Ohio Homeowner Insurance Cost and Quotes

The risk of a natural disaster occurring is lower here than in many other states; as such, Ohio homeowner insurance costs are less than in other states. On average, the cost of buying homeowner insurance in Ohio is $864, which is significantly below the American national average at $1288.


Ohio Homeowner Insurance Discounts 

If you want to save money buying homeowner insurance in Ohio, our team can help you find the best policy, while providing affordable insurance with any relevant discounts. 

One of the best ways to reduce the cost of your homeowner insurance is to bundle insurance policies together and buy more than one policy with the same insurer.

More Frequently Asked Questions about Ohio Homeowner Insurance

What is the Difference Between Renter’s Insurance and Condo Coverage?


Condos are protected under the HO-6 insurance policy, which is tailored specifically for condo owners. Condo insurance covers your personal belongings and liability, as well as the physical unit; but it doesn’t cover the entirety of the condo’s structure. That should be covered under the homeowner’s association’s coverage.


Renter’s Insurance

Renters insurance is similar to homeowner’s insurance, except that it doesn’t cover the physical dwelling. The structure of your apartment or other rented property should instead be covered by your landlord’s insurance. Renters insurance covers your personal belongings from fire, theft, vandalism and more. It typically doesn’t cover flood or earthquake damage, but this can be added to your coverage if you would like it.

Contact Us Today for an Ohio Home Insurance Quote

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