Top Ohio Renters Insurance Providers in 2025

Renters insurance offers a crucial safety net for tenants, covering personal property, liability, and temporary living expenses if unforeseen events occur. With Ohio being home to over 1.5 million renters as of the latest statistics, choosing the right renters insurance policy has never been more important. To help you stay informed, we’ve assessed the top ohio renters insurance for 2025, analyzing their coverage options, customer satisfaction, and affordability.

The State of Renters Insurance in Ohio

According to recent market trends and surveys, renters insurance has grown in popularity in Ohio, with approximately 37% of tenants now carrying a policy in 2025 compared to just 29% five years ago. Increasing awareness of its value, coupled with competitive pricing from leading providers, has contributed to this shift.

Monthly premiums for renters insurance in Ohio average between $12 and $18, making it a cost-effective way to ensure peace of mind. Coverage typically includes personal property protection, liability coverage, and loss of use (additional living expenses). Some providers also offer specialized benefits, such as water damage coverage or identity theft protection.

Here are the top five Ohio renters insurance providers leading the industry in 2025.

Leading Renters Insurance Providers in Ohio for 2025

1. State Farm

State Farm remains a household name in renters insurance across Ohio due to its robust reputation and affordable rates. Their policies have excellent property coverage, including protection against fire, theft, and vandalism, and liability coverage extending up to $1 million.

• What sets them apart? Their user-friendly mobile app lets renters file claims, check policy details, and pay premiums with ease.
• Average monthly premium in Ohio: $15

2. Allstate

Known for its extensive coverage options, Allstate ranks high for those seeking customizable renters insurance policies. Their policies include coverage for personal property replacement costs, ensuring tenants get reimbursed for new items, not depreciated value.

• What sets them apart? Allstate’s “Claim RateGuard” feature ensures that filing a claim won’t result in a premium increase.
• Average monthly premium in Ohio: $14

3. Lemonade

Lemonade continues to disrupt the renters insurance market in 2025 with its affordable, tech-driven approach. The company boasts fast claims processing and robust coverage options, including water back-up protection and additional electronics coverage.

• What sets them apart? Lemonade donates leftover premiums to causes chosen by policyholders under their “Giveback” program.
• Average monthly premium in Ohio: $12

4. Progressive

Progressive offers competitive renters insurance policies in Ohio with a focus on bundling discounts. Most customers save significantly when combining renters insurance with their auto insurance policies.

• What sets them apart? Their flexible coverage options and discounts for bundling policies attract budget-conscious renters.
• Average monthly premium in Ohio: $13

5. Nationwide

Headquartered in Columbus, Ohio, Nationwide offers renters insurance tailored to the needs of Ohioans. Their policies include coverage for loss of use, identity theft protection, and personal property replacement.

• What sets them apart? Nationwide is known for its exceptional customer service and personalized attention to its home-state clients.
• Average monthly premium in Ohio: $16

Trending Features in 2025 Renters Insurance Policies

Renters insurance policies are evolving to meet modern needs. Insights from consumer data reveal several trends that Ohio renters expect from leading providers in 2025:

• Customizable Add-Ons: Renters increasingly demand options to tailor their policies, such as coverage for high-value electronics or rare collections.
• Sustainability Initiatives: Environmentally conscious providers, like Lemonade, are gaining traction due to their eco-friendly operations and charitable contributions.
• Tech-Driven Claims: Mobile apps and AI-driven claims processing are becoming standard features, making policy management more convenient than ever.

Secure Your Peace of Mind

Evaluating Ohio renters insurance providers can feel overwhelming, but focusing on factors like premium costs, customer reviews, and policy benefits will help guide your decision. With the options outlined here, Ohio renters can confidently choose the coverage that aligns with their needs and budget.