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10 Best Homeowners Insurance - July 2025

You deserve the best homeowner insurance to protect your home and everything in it. Review trusted homeowners insurance policies made to fit your life, with coverage that’s simple, reliable, and built around you.

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What Type of Property Do You Live In?
Single-Family Home
Multi-Family Home
Townhouse
Condo
Mobile Home
Other
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When Was Your Home Built?
Brand New
1-10 Years
11-20 Years
21-30 Years
31-40 Years
Over 40 Years
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How Many Bedrooms Are in Your Home?
1 Bedroom
2 Bedrooms
3 Bedrooms
4+ Bedrooms
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What Is Your Age Range?
30 or Younger
30 - 50
51 - 65
Over 65
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What's Your Approximate Household Income?
Under $50,000
$50,000 - $99,999
$100,000 - $199,999
$200,000 or More
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Do You Know Your Credit Score?
800–850 (Excellent)
740–799 (Very Good)
670–739 (Good)
580–669 (Fair)
Below 580 (Poor)
I’m not sure
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How Many Cars Does Your Household Own?
None
One
Two or More
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Has Anyone in Your Household Served in the U.S. Military (Excluding Dishonorable Discharge)?
Yes
No
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Top Homeowners Insurance in Columbus, Ohio

Find The Best Home Insurance Coverage In Minutes

We inform and empower consumers with objective company reviews and recommendations based on pricing, customer experience, financial strength, product offerings, and claims-handling. Our mission is to help you find coverage that fits your budget and protection needs. Compare rates of our top companies by zip code with a free customized online quote and see why we're the trusted guide for homeowners.

Understanding Your Home Insurance Needs

Home insurance is essential not only because it's often required by mortgage lenders to protect their investment, but also because it offers vital protection for homeowners and renters alike. Knowing how much insurance you need ensures that your home, possessions, and personal liability are adequately covered against unforeseen damage and incidents.

Key Coverage Areas That Will Protect Your House & More

  • Structural Damage: Cover costs to repair or rebuild your house if damaged from fire, weather events, vandalism, and other risks. Some policies may also help pay costs of additional living expenses, such as hotel bills and increased food costs while your home is being repaired.
  • Personal Possessions: Covers damage to or loss of personal items such as furniture, clothes, etc. Valuable possessions might need additional itemized coverage.
  • Liability Protection: Covers legal and medical expenses if someone is injured on your property.
  • Natural Disasters: Many policies require additional endorsements to cover events like floods and earthquakes, so consider your geographic area and potential risks.

Partner Disclaimers & Disclosures:

Liberty Mutual Insurance:

¹ $950 Auto & Home Savings Figure: Average savings based on a countrywide survey of new customers who reported savings when they switched to Liberty Mutual between 05/2023 and 04/2024. Savings will vary. Comparison does not apply in MA.

Allstate:

©2025 Allstate Insurance Company
Discounts not available in every state. Subject to terms, conditions and availability. Discount amounts and total savings will vary.

*Bundled savings vary by state & are not available in every state. Saving up to 25% is a countrywide average of the maximum available savings off the Home policy combining the Multiple Policy Discount for having Auto Insurance with Allstate and the Welcome Discount savings at enrollment. Allstate Fire and Casualty Ins. Co., Allstate Vehicle and Property Ins. Co. & affiliates: 3100 Sanders Rd, Northbrook, IL.

NOT AVAILABLE IN EVERY STATE.
Potential savings, discounts, and product availability vary by state and product line. Prices vary by several factors, which may include based on how you purchase the policy. Coverage is subject to policy terms & conditions. Allstate North American Ins. Co. & affiliates: Northbrook, IL.

State Farm:

¹ Average annual per household savings based on a 2024 national survey by State Farm of new policyholders who reported savings by switching to State Farm. Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability, and eligibility may vary by state.

² State Farm Is the largest homeowners insurer in the United States according to 2020 premium data provided S&P Global Market Intelligence.

Nationwide:

¹ Average annualized savings on home and auto premiums, compared to stand-alone price of each policy, based on national sample from March - May 2024. Actual savings will vary based on state, policy coverage selections, and rating factors.

Answer Financial:

* Savings based on a national survey of new Answer Financial customers reporting insurance savings in 2023.

Experian:

* Results will vary and some may not see savings. Customers who switched multiple policies saved $1,152 per year on average compared to their prior premiums.