Find the best rates from the best companies. Tell us about your house — we'll show you what multiple carriers would write it for.
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What we insure
Why choose us
Local knowledge
Columbus is growing, and its suburbs are growing faster than the city: Hilliard, Dublin, Grove City, Reynoldsburg, New Albany and Canal Winchester have all outpaced Columbus itself over the last decade. That means a lot of post-2000 construction alongside some of the oldest brick in the state in German Village and the century homes of Clintonville and Upper Arlington — and carriers price those two ends very differently.
The weather memory here is the June 29, 2012 derecho, which crossed the Columbus area with 82 mph gusts, knocked out power to more than a million Ohio customers and did about $2.8 billion in damage statewide. Wind and the trees it brings down are the exposure carriers rate for in Franklin County.
Columbus Homeowners Insurance is written from the OAW Insurance office at 3533 Lesh Street NE, Canton, Ohio 44705 — the same independent agency behind every site in our Ohio network. We quote and service Franklin County policies by phone and email; there is no walk-in office in Columbus.
The 2012 derecho is the reference event: mature trees over the roof, older shingles and detached structures are the questions. Some carriers apply a separate wind-and-hail deductible on top of the flat one — we make sure you see that line before you buy.
Dublin and much of the northwest side sit along the Scioto; basements across the county see water that is not river flood. Sewer-backup and sump-pump endorsements differ by carrier, and a standard policy excludes true flood — that is a separate policy.
A 2015 build in New Albany and an 1890s brick in German Village are opposite underwriting profiles. Replacement cost, not market value, is what the policy has to match, and it moves most for the older house.
Beyond the standard policy
Protect your home from water damage due to flooding.
Learn more →Stay covered in case of seismic activity.
Learn more →Additional protection for luxury homes and valuable assets.
Learn more →Coverage for landlords and rental properties.
Learn more →How it works
Answer a few taps about your home — about two minutes.
Work with our experts to select the best coverage options.
Complete the paperwork and activate your insurance.
Rest assured knowing your home is fully protected.
FAQ
A standard policy covers your dwelling, other structures (like a detached garage), personal property, loss of use, personal liability, and medical payments to others. Specific limits and endorsements vary by carrier — that's what we're here to compare.
You should insure your home for its replacement cost — not the market value. We help calculate the proper coverage based on your home's size, materials, and local construction costs.
It's not required by law, but mortgage lenders will typically require coverage before issuing a home loan.
We use a soft credit inquiry, which doesn't affect your score. Your credit helps determine risk, and in many cases, better scores mean lower rates.
Bundle with auto, install safety devices (like security systems), raise your deductible, or maintain a claims-free history to save more.
Sometimes. Some carriers apply a separate percentage deductible to wind and hail instead of the flat dollar deductible that covers everything else. We show both numbers on every quote we compare.
No. Columbus policies are quoted and serviced by phone and email from our Canton office at 3533 Lesh Street NE; nothing about the quote requires a visit.
Two minutes of taps, or one phone call — whichever you prefer.
