Cleveland Home Insurance Costs (2026)

How much is homeowners insurance in Cleveland?

Homeowners insurance in Cleveland averages $173 a month for the house we priced, with rates as of Sept. 30, 2026. The 5 major insurers we compared are Allstate, Cincinnati Insurance, State Farm, Liberty Mutual and Erie, and each one priced our sample home in all 27 Cleveland ZIP codes in our data, in Cuyahoga County. For this house, Cleveland is the 5th most expensive of the 11 Ohio cities in our data with at least 5 ZIP codes, and above the Ohio average of $171 a month.

Our figures are for a $300,000 dwelling, which works out to about $6.91 a year for each $1,000 of dwelling coverage in Cleveland; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Cleveland average rose 4.2% since Nov. 2025, from $1,989 a year ($166 a month) on Nov. 30, 2025, to $2,073 ($173) on Sept. 30, 2026, as Erie’s rose 8.7%, Cincinnati Insurance’s rose 6.7% and State Farm’s rose 5.2%.

Homeowners insurance averages by insurer in Cleveland for our sample home (rates as of Sept. 30, 2026)

Allstate averaged $130 a month ($1,564 a year), Cincinnati Insurance $146 ($1,755), State Farm $168 ($2,011), Liberty Mutual $202 ($2,428) and Erie $217 ($2,609) for our sample home.

Same sample home: each insurer’s average yearly price in the same Cleveland ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 5 insurers in the table priced the same 27 Cleveland ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Cleveland address:

• Allstate ran from $1,386 a year in 44143 to $1,659 in 44106.
• Cincinnati Insurance ran from $1,494 a year in 44130 to $2,111 in 44103.
• State Farm ran from $1,758 a year in 44135 to $2,261 in 44103.
• Liberty Mutual ran from $2,151 a year in 44143 to $2,510 in 44119.
• Erie ran from $2,336 a year in 44118 to $2,958 in 44115.

Who has the cheapest homeowners insurance in Cleveland?

Allstate had the lowest home average for our sample home of the insurers anyone can buy from, $130 a month ($1,564 a year), 10.8% below Cincinnati Insurance’s $1,755 a year, the next of those insurers. It may not be the lowest for your house, so compare a few quotes.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Cleveland, ZIP code averages for this house ran from $157 to $187 a month, while insurers’ Cleveland averages ran from $130 to $217.

If prices stayed where they are today, the $1,045-a-year gap between the lowest and highest averages among the insurers anyone can buy from in Cleveland would add up to $5,225 over five years for this house.

Same house, different city: how does Cleveland compare?

The same sample home costs $173 a month in Cleveland, $158 in Youngstown, $159 in Canton, $165 in Akron, $169 in Mansfield, $170 in Cincinnati, $171 in Lima, $174 in Toledo, $178 in Columbus, $179 in Springfield and $182 in Dayton, the 11 Ohio cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in Cleveland, other Ohio cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Youngstown has the lowest average of these Ohio cities, $158 a month, and Dayton the highest, $182; Cleveland sits between them.

Compared with Cincinnati, the Ohio city with the most ZIP codes in our data (42), the same house costs 1.7% more to insure in Cleveland.

Across the U.S., 83 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Cleveland, and 208 a higher one.

For the statewide picture, see home insurance costs in Ohio and Columbus home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

How much is homeowners insurance on a $300,000 house in Cleveland?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Cleveland averages $173 a month ($2,073 a year) across the 5 insurers we compared in 27 ZIP codes (rates as of Sept. 30, 2026). That’s 1.2% above the $171-a-month Ohio average for the same house. Insurers’ averages for that same house ran from $130 to $217 a month.

Why your Cleveland quote may differ from these prices

Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.

Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.

Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Cleveland quote above the $173 a month our claim-free, good-credit owner averages.

Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.

What drives home insurance prices in Cleveland?

For our sample house, Cleveland is the 5th most expensive of the 11 Ohio cities in our data with at least 5 ZIP codes, and 33.1% below the average of the 50 states and D.C. Our figures don’t separate causes; these official records show what Cleveland homes face.

In April 2007, one lake-effect snow band set up across downtown Cleveland and dumped two feet of snow in the heart of the city, according to the National Weather Service.

Cuyahoga County had 69 severe winter weather events from January 1996 to February 2015, causing $17.77 million in damage, according to the Ohio Emergency Management Agency.

How to find cheaper home insurance in Cleveland

For our sample home, insurers’ Cleveland averages ran from $1,564 to $2,609 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.

Compare at least three insurers: even one insurer’s price moves a lot by address: Erie’s for our sample home ran from $2,336 to $2,958 a year depending on the Cleveland ZIP code.

Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 35 months of Cleveland’s $173-a-month average premium).

Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.

Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.

Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.

Guard a clean record: our sample owner has no claims in 10 years, and the $173-a-month Cleveland average assumes that clean record; a recent claim can raise a quote.

How much is renters insurance in Cleveland?

Renters insurance for our sample renter averages $21 a month ($248 a year) in Cleveland. For our sample renter, prices among the 4 insurers we compared ranged from $17 to $23 a month, a $6-a-month gap for the same coverage.

Renters insurance averages by insurer in Cleveland for our sample renter (rates as of Sept. 30, 2026)

State Farm averaged $17 a month ($203 a year), Cincinnati Insurance $22 ($260), Erie $22 ($260) and Allstate $23 ($270) for our sample renter.

State Farm had the lowest renters average for our sample renter of the insurers anyone can buy from, $17 a month ($203 a year), 22.0% below Cincinnati Insurance’s $260 a year, the next of those insurers. Another insurer may be lower for your apartment, so compare quotes.

For renters insurance, Cleveland is the 2nd most expensive of the 11 Ohio cities in our data with at least 5 ZIP codes: its average is 9.4% above the Ohio renters average of $227 a year ($19 a month) and 3.2% below the average of the 50 states and D.C., $256 a year ($21 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 147 have a lower renters average for our sample renter than Cleveland, 144 a higher one. Our sample renter’s policy costs about 12% of what our sample home costs to insure in Cleveland.

For the same insurers and ZIP codes, the Cleveland renters average rose 0.7% since Nov. 2025, from $246 to $248 a year, as State Farm’s rose 3.6% and the other insurers’ prices didn’t change.

By ZIP code, the Cleveland renters average for our sample renter ran from $17 a month in 44130 to $27 in 44104. Of the 27 ZIP codes, 11 averaged more than the city’s $21 a month for our sample renter, 14 less and 2 the same.

Each insurer’s yearly renters price for our sample renter by Cleveland ZIP code:

• State Farm ran from $174 a year in 16 ZIP codes, including 44105 to $244 in 11 ZIP codes, including 44102.
• Cincinnati Insurance ran from $167 a year in 44130 to $379 in 44103.
• Erie ran from $191 a year in 44130 to $405 in 44104.
• Allstate ran from $259 a year in 4 ZIP codes, including 44109 to $281 in 3 ZIP codes, including 44110.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 108 sample prices by 4 insurers across 27 Cleveland ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

What does renters insurance cover in a Cleveland apartment?

Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Cleveland, that package averages $21 a month; flood and earthquake damage need separate coverage.

How we got these renters prices: each insurer’s average across the 27 Cleveland ZIP codes in our data. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in Cleveland

Many Cleveland homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See car insurance rates in Cleveland · Ohio car insurance rates · How bundling home and auto insurance works