Homeowners insurance
in Ohio

Homeowners insurance 
in Ohio

Malhotra & Assoc. Insurance Has You Covered

Need Ohio Homeowner Insurance?

Your Ohio home is the heart and center of your family’s life and is likely your most valuable asset. Just like your family, your Ohio home needs to be protected with homeowners’ insurance, which will be there when you need it most. Homeowners insurance ensures your Ohio home and family are protected if you suffer a loss due to fire, theft, vandalism, or other covered events.

We all want cheap Ohio homeowners insurance, but we also need the right Ohio homeowners insurance. This is the goal of every agent at Malhotra & Assoc. Insurance, to design a personalized Ohio homeowners insurance policy that will support you and your family today and the future. Malhotra & Assoc. Insurance is an independent Ohio insurance agency, which is very important. While other agencies only sell one type of Ohio homeowners insurance, we work with the biggest and best insurance companies, allowing us to personalize and find the very best Ohio homeowners insurance policy for you!

Since you are here, we assume you are looking for an homeowners insurance quote. Before you decide on your next homeowners insurance agency, we recommend you consider the following to ensure you find the right homeowners insurance policy for you.

  1. Consider Your Coverage – Make sure your insurance agency understands homeowners insurance replacement value versus actual cash value, as well as what type of insurance coverages you are looking for. This is why working with a local homeowners insurance experts like Malhotra & Assoc. Insurance is so important.We have seven local offices all across Ohio: Ashland, Cincinnati, Columbus, Hilliard, Mansfield, Piqua, and Saint Marys, Ohio.
  2. Learn Your Limits – Find an Ohio insurance agency that will take the time to understand your personal wants and needs to determine the homeowners insurance coverage which is right for you.
  3. Determine Your Deductible – Ensure your Ohio insurance agency has the flexibility to work with all the largest homeowners insurance companies to find the best homeowners insurance coverage with a deductible you and your family can afford.
Malhotra & Assoc. Insurance agents are homeowners insurance experts and are here to advise you on all of your important homeowners coverage decisions. Contact us today for a risk-free homeowners insurance quote and to answer all of your questions.

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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 Ashland 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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