🏠 Home insurance cost in Cleveland, OH (2026)
Estimated average: $1,914 per year — -17% vs. the U.S. average of $2,300.
$1,914
Est. home insurance in Cleveland
per year
$1,840
Ohio average
$2,300
U.S. average
362,656
Population
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Cleveland home insurance estimator
Estimated$1,206/year
Starts from the Cleveland estimate. Get quotes to confirm your price.
Cleveland home insurance FAQ
How much is home insurance in Cleveland, OH?
The estimated average is $1,914 per year — above the state average (+4% vs. the Ohio average of $1,840, and -17% vs. the U.S. average).
Is home insurance more expensive in Cleveland than elsewhere in Ohio?
Cleveland has about 362,656 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Cleveland?
Compare at least three quotes from insurers active in Cleveland, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.