Ohio car and home insurance
Check your car or home insurance price
Pick what you want to insure. Our quote tool checks multiple carriers and shows you their prices on one screen.
Your information comes only to Kaufman Insurance Group. We don't sell it or pass it to other agencies. One of our agents will call to go over your quote for accuracy. No hard sell, no pressure.
Free to check. You don't have to buy anything.
This tool quotes Ohio only and doesn't include every carrier we work with.
Outside Ohio, or want more options? Call or text 330-486-8404 or use our other quote form.
Best Home Insurance Companies in Ohio (2026)
Disclosure: Kaufman Insurance Group is an independent insurance agency. We work with every company on this list, and we may be paid a commission by any of them. These are the companies we honestly recommend for different situations.
Quick answer
- People usually search this before a closing, a renewal increase, a roof or basement worry, or a rental/flood question. The right company depends on the property.
- We show which companies we work with for those needs, then shop the ones that fit and recommend what’s right for you.
- You get a local agent who stays your contact for renewals, changes, and claims[1].
Get multiple quotes from us
If you are buying a house, your renewal went up, you are worried about the roof or the basement, or you need landlord, flood, or renters coverage, start here. We work with the companies below for Ohio homes every week. Tell us about the property. We shop the ones that fit and recommend what we would pick.
Skim each "best for" line for your situation (homeowner, landlord, manufactured home, flood, or renters). When you want help comparing, we'll shop multiple carriers for you.
Quick picks
| What you need | Companies we work with |
|---|---|
| Most Ohio homeowners | Grange Insurance · Orion180 · Foremost Signature · National General Custom360 · Safeco (Liberty Mutual) · Nationwide · Lemonade |
| Landlords and rental property owners | Foremost · Steadily · Obie |
| Manufactured and mobile homes | Foremost · Progressive |
| Flood insurance | Neptune Flood · National General |
| Renters | Grange Insurance · Foremost · National General · Progressive · ePremium |
A few cards mention public review ratings. Those were current as of October 9, 2026, and they can change.
Why buy through Kaufman Insurance Group
What you get with us:
- We ask the real questions first. Your house, the roof, the basement, and what you care about protecting.
- Then we shop for you. We work with multiple carriers, pick the ones that fit, and explain the differences side by side[1].
- We’ll walk you through it. You’ll know what’s covered before you buy. No fine print surprises.
- We stay your contact. Call us with questions, changes, renewals, and claims. A real person picks up.
Kaufman Insurance Group is headquartered in Twinsburg, Ohio. It holds agency licenses in Ohio and North Carolina; many of our agents are licensed in the 48 contiguous states.
Get multiple quotes or call 330-486-8404
Best for most Ohio homeowners
Grange Insurance
Best for: Ohio homeowners who want an Ohio-based company
Why we like it
Grange is a Columbus company, and they sell home insurance the way we like to work: through independent agents who sit with you and walk through the house, not a one-size form.[2,3]
Key facts
- Grange sells home insurance in Ohio through independent agents.[2]
- Optional coverages include underground service lines, equipment breakdown, sewer and drain backup, concealed water damage, and matching materials for roofing or siding.[4]
- Its expanded replacement cost endorsement adds 25% or 50% of coverage.[5]
Good signs
- Grange Enterprise Companies holds an A+ rating from the Better Business Bureau (BBB), as of October 9, 2026.[6]
Grange is headquartered in Columbus, Ohio.[3]
Where we come in: We'll look at your house with you and talk through which Grange options make sense. And we're still here long after you buy.
Want an Ohio company and a local agent? We work with Grange. Tell us about your house, and we'll shop the carriers that fit. Get multiple quotes or call 330-486-8404
Orion180
Best for: owner-occupied single-family homes that want room to customize
Why we like it
Got a primary single-family home and want room to customize? Orion180's HO3 covers the house, your stuff, and liability, and you can add things like water backup, sump pump overflow, and replacement cost on belongings when that fits.[7,8]
Key facts
- Orion180 lists home, flood, and jewelry insurance among its Ohio products.[8]
- It insures single-family homes that are owner occupied as the primary residence. Townhomes and secondary residences may be eligible in select cases.[7]
- You can add extras like replacement cost on belongings, computer coverage, water backup, and equipment breakdown when they fit your home.[7]
Orion180 backs its Ohio home insurance with responsive claims and service.[7]
Good to know: Orion180's Ohio home policy is built for owner-occupied single-family homes, so it's a fit for your primary residence.
Where we come in: We'll make sure your home fits what Orion180 is looking for. Then we'll go over the add-ons together so nothing catches you off guard.
Primary single-family home and you like to customize? Orion180 is one we work with when your home fits. We'll review the carriers that make sense. Get multiple quotes or call 330-486-8404
Foremost Signature
Best for: households that want an auto and home program through an agent
Foremost Signature, from Foremost Insurance Group, a part of the Farmers Insurance Group[9]
Why we like it
If you want the home and the car reviewed in one sitting, Foremost Signature is built for that. It's from Foremost, a Farmers company, and sold through agents like us.[10]
Key facts
- You can make payments, get ID cards and policy documents, check a claim, and connect with your agent online or in the app.[11]
- Foremost lists 24/7 claim service.[11]
- Foremost Signature Auto and Home policies are backed by Farmers companies, including Farmers Property and Casualty Insurance Company.[10]
Foremost, a Farmers company, offers 24/7 claim service and an app where you can pay bills, get ID cards, and check a claim.[11]
Where we come in: Got a home and a car? We'll look at both together and see how Foremost Signature fits your household.
Need home and auto reviewed together? Foremost Signature is one we work with. We'll review the carriers that fit your household. Get multiple quotes or call 330-486-8404
National General Custom360
Best for: homeowners who want many optional coverages in one package
National General Custom360, from National General, an Allstate company[12]
Why we like it
Custom360 gives you a long menu of add-ons: home systems breakdown, identity theft, service line, extended replacement cost, water backup, and matching for roofing or siding. If you like to build a policy piece by piece, you'll like this one.[13]
Want your home and car together? You can keep your home and auto together with National General.[13]
Key facts
- Custom360 Home includes dwelling, personal property, and liability, with room to add the extras that fit your house.[13]
- Custom360 optional coverages include home systems, identity theft, service line, extended replacement cost, water backup, and roof and siding matching.[13]
- National General, an Allstate company, stands behind Custom360 for homeowners who want a flexible package.[13]
National General, an Allstate company, has been serving policyholders since 1920.[12]
Where we come in: Custom360 has a lot of options. We'll tell you which ones are worth it for your home and which you can skip.
Like building a policy from a long list of extras? Custom360 is one we work with. We'll point out which options are worth it for your home. Get multiple quotes or call 330-486-8404
Safeco (Liberty Mutual)
Best for: homeowners who want flexible add-on coverages
Why we like it
Safeco has plenty of optional coverages to shape a policy around your home and your stuff, from jewelry coverage to protection that keeps your limits in step with inflation.[14]
Key facts
- Blanket jewelry coverage replaces lost or stolen jewelry with no deductible or up-front appraisal.[14]
- Optional coverages include service line, home systems and appliance breakdown, and water backup.[14]
- Inflation protection adjusts coverage limits at each renewal.[14]
Safeco, part of Liberty Mutual, offers flexible add-on coverages so you can shape a policy around your home and your stuff.[14]
Where we come in: We'll go down Safeco's list of add-ons with you and keep only the ones you'd actually use.
Jewelry, water backup, service lines? Safeco is one we work with when add-ons matter. We'll shop the carriers that fit. Get multiple quotes or call 330-486-8404
Nationwide
Best for: homeowners who want to keep home and other property policies with one company
Why we like it
Nationwide offers homeowners, renters, condo, and flood insurance, and it promotes Brand New Belongings for repairing or replacing your things.[15]
Key facts
- Nationwide lists homeowners, renters, condo, and flood among its property products.[15]
- Nationwide recommends insuring your home to at least 100% of its estimated replacement cost.[15]
Good signs
- Nationwide holds an A+ rating from the Better Business Bureau (BBB), as of October 9, 2026.[16]
Nationwide holds an A+ rating from the Better Business Bureau (BBB), as of October 9, 2026.[16]
Where we come in: Before we shop carriers, we'll figure out what it would really take to rebuild your house, so your coverage amount is right.
Want home and other property with one familiar name? We work with Nationwide. We'll review the carriers that fit and give you a straight take. Get multiple quotes or call 330-486-8404
Lemonade
Best for: homeowners who prefer a digital-first experience
Why we like it
Lemonade offers homeowners insurance in Ohio, and its Ohio policies automatically include mine subsidence coverage. You can add equipment breakdown coverage in Ohio, too.[17,18]
Key facts
- Lemonade lists Ohio among the states where its homeowners insurance is available.[17]
- Mine subsidence coverage is applied automatically to Lemonade policies in Ohio.[18]
- Equipment breakdown coverage is offered in Ohio.[18]
Good signs
- Lemonade is rated 4.2 out of 5 on Trustpilot from 7,325 reviews, as of October 9, 2026.[19]
Lemonade holds a 4.2 out of 5 on Trustpilot from 7,325 reviews, as of October 9, 2026.[19]
Where we come in: Like handling things on your phone? Lemonade does that well, and you can still call us anytime with a question.
Prefer to handle most of it on your phone? Lemonade is one we work with. We'll still shop the carriers that fit your household. Get multiple quotes or call 330-486-8404
Best for landlords and rental property owners
Foremost (Foremost Choice Landlord)
Best for: landlords with one to four family rentals
Foremost Insurance Group, a part of the Farmers Insurance Group[9]
Why we like it
Foremost's landlord program covers one to four family rentals. You can pick the Landlord or Landlord Platinum package, or build your own, and it works for short-term and vacation rentals too.[10]
Key facts
- The program covers one to four family dwellings that you rent to others.[10]
- Vacation and short-term rentals with leases under 12 months fit the landlord program.[10]
- Several landlord properties can be combined on one schedule with one set of paperwork and one bill.[20]
Foremost, a Farmers company, makes it easy to keep several rental properties on one schedule with one bill.[20]
Where we come in: Own a few rentals? We'll help you keep them organized and make sure each one has the coverage it needs.
A few rentals and one bill sounds easier? Foremost landlord coverage is one we can look at. We'll review the landlord companies that fit. Get multiple quotes or call 330-486-8404
Steadily
Best for: landlords with many property types, including short-term rentals
Why we like it
Steadily focuses on landlord insurance. Its Ohio page covers protection from property damage, liability claims, and lost rental income, and it lists single-family, multi-family, ADU, condo unit, and vacant and restoration properties, as well as short-term rentals.[21]
Key facts
- Steadily offers landlord coverage in Ohio for property damage, liability, and lost rental income.[21]
- Property types listed include single-family, multi-family, ADUs, condo units, and vacant and restoration properties.[21]
Good signs
- Steadily Insurance is rated 4.7 out of 5 on Trustpilot from 1,419 reviews, as of October 9, 2026.[22]
- Steadily Insurance Group holds an A+ rating from the Better Business Bureau (BBB), as of October 9, 2026.[23]
Steadily, backed by a group of established insurers, holds a 4.7 out of 5 on Trustpilot from 1,419 reviews, as of October 9, 2026.[22]
Good to know: Steadily focuses on landlord policies only. It's one of the companies we can look at for dwelling fire (DP1 and DP3) on rental homes.
Where we come in: Tell us about your rentals and how you lease them. We'll recommend the right coverage and keep you in the loop.
Landlords with mixed property types (including short-term rentals) often ask about Steadily. It's one we can look at. We'll shop what fits your rentals. Get multiple quotes or call 330-486-8404
Obie
Best for: real estate investors with growing portfolios
Why we like it
Obie is built for landlords and real estate investors, with options from single-family homes to multifamily buildings and condo units.[24]
Key facts
- Obie is built for landlords and real estate investors.[24]
- Obie covers properties from single-family homes to multifamily buildings, including apartment buildings with five or more units and condo units.[24]
- Obie added Markel to its landlord insurance options.[25]
Obie, backed by a group of established insurers, is built for landlords and real estate investors, from single-family homes to multifamily buildings.[24]
Good to know: Obie focuses on landlord policies only. It's one of the companies we can look at for dwelling fire (DP1 and DP3) on rental homes.
Where we come in: As you add properties, give us a call. We'll review your rentals at renewal and keep everything lined up.
Growing a rental portfolio? Obie is one we can look at. We'll review the landlord companies that fit as you add doors. Get multiple quotes or call 330-486-8404
Best for manufactured and mobile homes
Foremost (Mobile Home)
Best for: manufactured and mobile home owners
Foremost Insurance Group, a part of the Farmers Insurance Group[9]
Why we like it
Foremost created the first insurance policy built specifically for mobile homes, almost 70 years ago. It takes new and older mobile homes, manufactured homes, park models, modular homes, and rental and vacant mobile homes.[26]
Key facts
- If your manufactured or mobile home is destroyed by an insured loss, you receive the full amount of insurance for your home, minus any deductible.[26]
- You can choose replacement cost coverage for your mobile home.[26]
- Optional coverages include trip coverage when you move your home, water damage from sewers and drains, and scheduled personal property.[26]
Foremost, a Farmers company, created the first insurance policy built specifically for mobile homes, almost 70 years ago.[26]
Where we come in: We'll ask about your home's age, size, and where it sits, then recommend the claim settlement option that fits.
Need coverage for a mobile or manufactured home? Foremost is one we work with. We'll review the carriers that fit your home. Get multiple quotes or call 330-486-8404
Progressive (Manufactured Home)
Best for: manufactured and modular home owners who want a familiar name
Why we like it
Progressive offers coverage built for factory-built homes, both manufactured and modular, and can customize a policy to fit your property.[27]
Key facts
- Progressive's mobile home coverage includes modular homes and manufactured homes.[27]
- Most mobile and modular home policies include dwelling, belongings, and liability protection.[27]
- Progressive explains the difference between modular homes and manufactured homes on its site, which helps you know what you own.[27]
Progressive is there for you 24/7/365.[28]
Where we come in: We'll go over what's covered with you and make sure it all makes sense before you sign anything.
Want a familiar name on a manufactured or modular home? Progressive is one we can look at. We'll recommend among the companies that fit. Get multiple quotes or call 330-486-8404
Best for flood insurance
Neptune Flood
Best for: private flood insurance
Why we like it
Neptune focuses on flood. It offers primary flood insurance and excess flood insurance for homes and businesses through a nationwide network of agencies.[29]
Key facts
- Neptune offers primary and excess flood insurance for residential and commercial properties.[29]
- Neptune administers policies on behalf of a panel of insurance and reinsurance companies that back them.[29]
Good signs
- Neptune Flood is rated 4.6 out of 5 on Trustpilot from 349 reviews, as of October 9, 2026.[30]
Neptune Flood, backed by a group of established insurers, holds a 4.6 out of 5 on Trustpilot from 349 reviews, as of October 9, 2026.[30]
Good to know: Neptune focuses on flood insurance only, so it sits right alongside your homeowners policy.
Where we come in: We'll talk through your flood risk, even if you're not in a flood zone, and set up coverage that works with your homeowners policy.
Looking at flood coverage? Neptune is one of the options we can look at. We'll talk through your risk and the carriers that fit. Get multiple quotes or call 330-486-8404
National General (Flood)
Best for: homeowners who want a choice between a private flood policy and an NFIP policy
National General, an Allstate company[12]
Why we like it
National General gives you two flood options: its own Beyond Floods policy, or a policy through the National Flood Insurance Program. That makes it easy to compare both kinds side by side.[31]
Key facts
- Beyond Floods offers up to $1.5 million of coverage for a single-family structure.[31]
- Beyond Floods offers building and contents coverage for basements, plus loss of use coverage with limits up to $150,000.[31]
- Availability may vary by state.[31]
National General, an Allstate company, has been serving policyholders since 1920.[12]
Where we come in: We'll walk you through both flood options and help you land on the one that fits your home and your lender.
Need flood coverage that works with your home policy? National General is one we work with. We'll review the flood choices that fit. Get multiple quotes or call 330-486-8404
Best for renters
Grange Insurance (Renters)
Best for: Ohio renters who want an Ohio-based company and an independent agent
Why we like it
Grange is a Columbus company, and it sells renters insurance through independent agents like us. A basic Grange renters policy covers your electronics, clothes, appliances, bikes, and more against damage or theft, whether you rent an apartment, a townhouse, or a house.[32,3]
Have a car with Grange too? You can bundle your renters policy with your Grange auto policy.[32]
Key facts
- Grange renters coverage fits apartments, townhouses, and houses.[32]
- A basic Grange renters policy covers electronics, clothes, appliances, bikes, and more against damage or theft.[32]
- Additional coverage options provide even more protection.[32]
Grange is headquartered in Columbus, Ohio.[3]
Where we come in: Moving? Changing apartments? Just let us know, and we'll update your policy for you.
Renting in Ohio and want a Columbus company? We work with Grange for renters. We'll shop the carriers that fit your place. Get multiple quotes or call 330-486-8404
Foremost (Renters)
Best for: renters who want to choose their coverage level and add extras
Foremost Insurance Group, a part of the Farmers Insurance Group[9]
Why we like it
Foremost lets you choose the level of coverage you want for your furniture, clothing, electronics, and jewelry, and it offers policies for tenants in houses, condos, apartments, and more.[33]
Key facts
- You choose the level of coverage for belongings like furniture, clothing, electronics, and jewelry.[33]
- Foremost has renters policies for tenants in site-built homes, condos, apartments, and more.[33]
- Optional endorsements include scheduled personal property and water backup of sewers and drains.[33]
Foremost, a Farmers company, lets renters choose their coverage level and add extras like scheduled personal property.[33]
Where we come in: Got a nice bike, a good camera, or some jewelry? We'll tell you whether extra coverage for it makes sense.
Nice bike, camera, or jewelry in an apartment? Foremost renters is one we can look at. We'll compare the options that fit what you own. Get multiple quotes or call 330-486-8404
National General (Renters)
Best for: renters who want flexible coverage levels
National General, an Allstate company[12]
Why we like it
National General's renters coverage lets you customize protection for your situation, whether you rent an apartment, a dorm room, or anything in between. It can cover things like your laptop and your bicycle.[34]
Key facts
- It works whether you rent an apartment, a dorm room, or anything in between.[34]
- You can choose from a variety of coverage levels.[34]
- Renters coverage can cover belongings like your laptop and bicycle.[34]
National General, an Allstate company, has been serving policyholders since 1920.[12]
Where we come in: We'll take a quick look at what you own and match it to a coverage level that makes sense.
Need renters coverage that matches what you actually own? National General is one we work with. We'll help you pick a level that fits. Get multiple quotes or call 330-486-8404
Progressive (Renters)
Best for: renters who want a quick quote and around-the-clock service
Why we like it
Progressive's renters insurance covers your belongings, your liability if you're responsible for someone's injuries or property damage, and extra costs if you can't stay at your place after a covered loss. It works whether you rent a house, a condo, or an apartment in a high-rise.[28]
Key facts
- It works whether you rent a single-family home, a condo, or a unit in a high-rise.[28]
- Coverages include personal property, liability, loss of use, and medical payments to others.[28]
- Progressive is there for you 24/7/365.[28]
Progressive is there for you 24/7/365.[28]
Where we come in: If you've got a car policy too, we'll look at both together and recommend what fits.
Want a familiar name on a renters policy? Progressive is one we can look at. We'll shop the carriers that fit. Get multiple quotes or call 330-486-8404
ePremium
Best for: renters in apartments and rental homes
Why we like it
ePremium specializes in renters insurance for multifamily and single-family rental properties, and it is based in Mason, Ohio.[35]
Key facts
- ePremium specializes in renters insurance for multifamily and single-family rentals.[35]
- ePremium is organized under Ohio law and based in Mason, Ohio.[35]
ePremium, backed by a group of established insurers, has Ohio roots and is based in Mason, Ohio.[35]
Good to know: ePremium focuses on renters (HO4) policies.
Where we come in: We'll help you set limits that cover your stuff, and we're a phone call away whenever your lease changes.
Renting and want something straightforward? ePremium is one we can look at. We'll review the carriers that fit your lease. Get multiple quotes or call 330-486-8404
What to ask before you buy
- Let us do the shopping. You don't have to chase down quotes on your own. We work with multiple carriers, shop the ones that fit your situation, and recommend what's right for you.
- We check the company and the coverage, not just the price. Before we recommend a company, we look at how it handles claims and service and walk you through what the coverage includes.
How we chose these companies
These are companies we place for Ohio homes every week. Everyday homeowners, landlords, manufactured homes, flood, renters. Different fits. We do not rank them against each other. We shop the carriers that fit you and recommend the one we would put on our own place.
Get multiple quotes or call 330-486-8404
Frequently asked questions
What is the best home insurance company?
Honestly, it depends on your situation. There's no single best company for everyone, so our top pick is getting multiple quotes. The categories above show which companies fit which needs, and we'll get you multiple quotes.
Why use an independent agent?
Because you get a person who can shop more than one company, explain the differences, and stick with you after the sale. That's us.
Where is Kaufman licensed?
Kaufman Insurance Group is headquartered in Twinsburg, Ohio. It holds agency licenses in Ohio and North Carolina; many of our agents are licensed in the 48 contiguous states.
Ready to talk it through?
Give us a call or send the form. We'll look at your situation, shop the carriers that fit, tell you what we'd pick, and stay your contact for changes and claims.
Get multiple quotes or call 330-486-8404
Sources
- NAIC: How to Choose an Insurance Agent, accessed October 9, 2026.
- Grange Insurance: Ohio Home Insurance, accessed October 9, 2026.
- Grange Insurance: Insurance Products, accessed October 9, 2026.
- Grange Insurance: Homeowners Insurance Coverage, accessed October 9, 2026.
- Grange Insurance: 3 Endorsements to Enhance Home Insurance Coverage, accessed October 9, 2026.
- BBB: Grange Enterprise Companies, accessed October 9, 2026.
- Orion180: Ohio, accessed October 9, 2026.
- Orion180: Agent FAQ (states served), accessed October 9, 2026.
- Foremost: Travel Trailer Insurance, accessed October 9, 2026.
- Foremost: Landlord Insurance, accessed October 9, 2026.
- Foremost Insurance Group: Home page, accessed October 9, 2026.
- National General: RV Insurance (site header and footer), accessed October 9, 2026.
- National General: Custom360 Home, accessed October 9, 2026.
- Safeco (Liberty Mutual): Homeowners insurance coverages, accessed October 9, 2026.
- Nationwide: Homeowners insurance, accessed October 9, 2026.
- BBB: Nationwide, accessed October 9, 2026.
- Lemonade: Where is Lemonade available?, accessed October 9, 2026.
- Lemonade: Homeowners insurance add-ons, accessed October 9, 2026.
- Trustpilot: Lemonade, accessed October 9, 2026.
- Foremost: Landlord Insurance (FAQ), accessed October 9, 2026.
- Steadily: Landlord insurance in Ohio, accessed October 9, 2026.
- Trustpilot: Steadily Insurance, accessed October 9, 2026.
- BBB: Steadily Insurance Group, accessed October 9, 2026.
- Obie: Insurance for Landlords and Real Estate Investors, accessed October 9, 2026.
- Obie: Obie Adds Markel, accessed October 9, 2026.
- Foremost: Mobile Home Insurance, accessed October 9, 2026.
- Progressive: Mobile and Manufactured Home Insurance, accessed October 9, 2026.
- Progressive: Renters Insurance, accessed October 9, 2026.
- Neptune Insurance Holdings: SEC prospectus (424B4), accessed October 9, 2026.
- Trustpilot: Neptune Flood, accessed October 9, 2026.
- National General: Flood Insurance, accessed October 9, 2026.
- Grange Insurance: Renters Insurance, accessed October 9, 2026.
- Foremost: Renters Insurance, accessed October 9, 2026.
- National General: Renters Insurance, accessed October 9, 2026.
- ePremium Insurance Agency: About and home page, accessed October 9, 2026.
This page is general information, not insurance advice. Coverage, availability, and eligibility depend on the insurance company, your location, and your situation, and every quote is subject to the insurer’s underwriting review. Company names belong to their owners, and their inclusion does not mean they endorse us.
Outside Ohio, or need RV, boat or business insurance?
We can help with that too. Tell us what you need here and one of our agents will get back to you. Rather talk? Call or text 330-486-8404.
