If you’re looking for cheap renter’s insurance, Ohio residents have a great deal of insurance companies from which to choose.

We’ll help make your search for renter’s insurance faster with our handy guide on the best cheap renter’s insurance in Ohio.

If you can’t take the time to read our full guide, you can see our winner below.

​Our #1 pick for the best overall renter’s insurance in Ohio is: Lemonade

Our #1 Pick

lemonade logo large

Lemonade is our #1 pick overall for renters insurance in Ohio. Their application is super fast, their site is easy to navigate, and they have some of the lowest rates.

renters insurance ohio

Find Out Who Made Our Best Cheap Renters Insurance In Ohio List.

Plus More Details On Each Company, Why You Need Renters Insurance, What Does It Cover, And How To Apply For Coverage.

renters insurance ohio

Find Out Who Made Our Best Cheap Renters Insurance In Ohio List.

Plus More Details On Each Company, Why You Need Renters Insurance, What Does It Cover, And How To Apply For Coverage.

1. Lemonade

5.0

lemonade logo large

Lemonade has streamlined the process of getting insurance. Answer a few questions, and their AI, Maya, will build your policy.

The process takes less than 2 minutes. They've embraced technology in other ways as well. Need to make a claim? You can record a short video and answer a few questions to get the ball rolling.

Their financial model is different from anything we've seen in the industry.

They take a small fee off the top, use the rest for claims, and donate anything leftover at the end of the year through their Giveback program.

Pros

  • Getting an insurance quote and purchasing a new policy takes less than two minutes
  • Claims can take as little as three minutes
  • Their super-smart AI builds you the perfect policy, so you don’t have to speak with agents
  • A ground-breaking financial model fuels charitable giving rather than profits

Cons

  • Lemonade is not yet available in all fifty states

Lemonade has an A- rating from the Better Business Bureau, and while AM Best has not rated them, the company does have an A Exceptional rating from Demotech.

Lemonade is the best renter’s insurance company overall.


2. State Farm

4.8

state farm logo

State Farm is among the largest insurance companies in the business. They’ve been around for over 100 years, which speaks to their reliability.

They have numerous insurance options for your personal and business life—they even offer investment and banking services as well.

It’s safe to say that State Farm has got you covered.

Pros

  • They offer many types of insurance for your personal and business life
  • Due to their size, they can offer a variety of coverage options for your polices.
  • State Farm offers flexible billing options
  • The intuitive website and mobile app allow you to keep an eye on your claims.

Cons

  • Some customers feel that State Farm’s customer service is lacking
  • Some believe that State Farm does not reward loyal, long-term customers

State Farm has an A+ rating with the Better Business Bureau and an A++ rating with AM Best.

State Farm is the best insurance company for most people in Ohio.


3. Progressive

4.5

progressive logo

One of the biggest draws of Progressive Insurance is the sheer number of discounts they offer and ways to save on their insurance policies.

Everything from bundling your policies to going paperless and making your payments automatically can save you a buck.

They will even compare their plans to similar policies from their competitors before you sign up.

Pros

  • They give you direct competitor cost comparisons before you buy a policy
  • There are many ways to save on all types of insurance they sell.
  • The “Name Your Price” tool gives you a way to build a policy around your budget.
  • They offer 24/7/365 customer service.

Cons

  • You may not receive the same discounts in all states.

Progressive has an A+ rating with the Better Business Bureau as well as with AM Best.

Progressive offers the best insurance discounts and has a top-rated customer service department.


4. Liberty Mutual

4.0

liberty mutual logo

Liberty Mutual’s renter’s insurance is perfect for young tenants and college students in Ohio.

They offer one of the lowest liability limits at $5,000 we’ve seen, which equals more money in your pocket.

If you get your quote online, they’ll even give you a 12% discount.

Pros

  • They offer the lowest liability limit of any other insurance company, $5,000
  • There are several ways to get discounts, including bundling
  • Policies can cost as little as $5 a month, depending on your location and coverage

Cons

  • Liberty Mutual’s customer service receives only average ratings

The Better Business Bureau and AM Best give Liberty Mutual an A Rating

Liberty Mutual has the best coverage for young tenants in Ohio.


5. Amica

4.5

amica logo

Amica prides itself on its customer service, and it shows. They are the first insurance company to receive 50 J.D. Power Customer Satisfaction awards.

So, if being treated fairly with respect is your top priority when it comes to renter’s insurance in Ohio, go straight to Amica.

Pros

  • Amica has top-rated, award-winning customer service
  • They offer flexible policy options so you can tailor your coverage
  • They will pay full replacement costs for damaged or destroyed personal property

Cons

  • They may deny coverage to those deemed too risky

Amica has an A+ rating from the Better Business Bureau and AM Best.

Amica has an impressive, award-winning customer service rating.


Is Renter’s Insurance required in Ohio?

No. Renter’s insurance is not a legal mandate in Ohio. Unless your renter’s agent or landlord requires you to carry a renter’s insurance policy, you don’t have to.

However, having renter’s insurance protects you, your guests, and your belongings against injury, damage, or theft. When the worst happens, a renter’s insurance policy can be a huge help.

best cheap renters insurance in ohio

Does Ohio Renters Insurance Cover Floods?

No, renters insurance policies do not typically cover flood damage.

They do include water damage from a leaky roof or burst pipe.

You have the option of purchasing flood insurance as a separate policy, however.

THE SIMPLY INSURANCE WAY

Renters Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get renters insurance coverage within minutes of getting your quotes and applying.

What Does Ohio Renters Insurance Cover In 2020?

Most renter’s insurance policies carry the same basic coverage: personal property, liability, loss of use, and medical protection for guests.

Personal Property

This part of your insurance policy covers the repair or replacement of your personal property like household goods and electronics.

This amount can be adjusted and will affect the final cost of your insurance.

Personal Liability

Personal liability will pay for any damage you might accidentally cause to someone else’s property.

It will also cover a limited amount of medical payments if a guest is injured while visiting you.

Loss of Use

If a situation prevents you from living in or using your rented home or apartment, this part of your insurance coverage will kick in.​

It can pay for everything from your hotel stay to your groceries.

INSURANCE WHERE YOU LIVE

Renters insurance by state.

Average Renter’s Insurance Costs in Ohio

Renter’s insurance in Ohio can cost anywhere from $16 a month to over $28 a month. Where you live and how much coverage you need will affect this price.

For basic renter’s insurance, Ohio residents are paying, on average, $20 a month.

This rate amounts to anywhere from just under $200 to nearly $350 a year.

Will Renters Insurance Cover My Roommate?

No. Unless your roommate’s name is on your policy, your insurance does not cover your roommate.

They should purchase a renters insurance policy of their own.

How Can I Buy Ohio Renters Insurance?

To buy Ohio renters insurance you should follow the below steps.

View Your Instant Quote

First, you want to click here or any of the above buttons to start the quote process, you won't need any personal information other than the address to get your quotes fast. Once you have your quotes and pick the coverage option that works best for you, it's time to get covered.

Get Your Personal Information Together

You will need your name, address, and Social Security number. The online forms guide you through several questions to learn more about the rental you will be living in and what coverage you need. 

Start Your Online Application

Once you have all of your personal information together, your next step will be to start the application. This will be easy by just following the prompts after you complete your quote. 

Know The Safety Features Of Your Rental 

The application might ask about smoke detectors, sprinkler systems, and deadbolts. The best renters insurance will offer discounts for those features.

Sometimes, the intake form may also ask if you have pets, especially certain dog breeds. Overall the process can take less than five minutes. 

Answer Your Questions Honestly

Be sure to answer every question, truthfully. If you do not, and something happens, the company may deny your claim. Even if they do not deny your claim, you still may be committing fraud. 

Add Any Additional Interest

Some landlords may require you to add them as an additional interest; this will let them know if the policy has lapsed or when you have renewed your policy. Most companies can add this during the application process or immediately afterward.

Print Your Proof Of Insurance

Once your policy has been approved and paid for, simply print out your proof of insurance, and you're covered.

THE SIMPLY INSURANCE WAY

Renters Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get renters insurance coverage within minutes of getting your quotes and applying.

Take Action 

As we stated earlier, Lemonade is our top choice because it provides value and simplicity.

If you have a unique situation, like being in college, other options on our list may be better for you.

Don't waste any time thinking about this, if you need renters insurance, we’ve done the hard work for you. Get your free renters insurance quote today.


Sa El

About the author

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 11 years of experience in the industry.  He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. He is also an Official Member of the Forbes Finance Council, a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.

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