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Best Homeowners Insurance Companies in Cleveland, OH

Updated 10/12/2018

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. Our partners at ConsumerAffairs researched the best homeowners insurance in Cleveland to guide you to trustworthy companies that will insure your assets.

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

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. News 5 may receive compensation from our partners. Learn more.

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How we chose the best

ConsumerAffairs thoroughly researched insurance agents, companies and brokers to see where you can get the best home insurance quote.

33 Hours researched
118 Reviews analyzed
23 Companies evaluated
11 Companies selected

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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.



M-Sat: 8am - 7pm, Sun: 12pm - 6pm


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.



M-F: 9am - 6pm, Sat: 10am - 2pm


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

State Farm

M-F: 9am - 5pm, Sat: Appointment only


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.

Pilat Insurance Agency, Inc.

Pilat Insurance Agency, Inc.

M-F: 8:30am - 4:30pm, Closed Sat and Sun


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.

Keller National, LLC

Keller National, LLC

M-F: 9am - 5pm, Closed Sat and Sun


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.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.