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
Cincinnati homeowners insurance starts with the Ohio River. In March 1997 the river crested at 64.48 feet downtown after a weekend of stalled thunderstorms, and close to 14,000 homes in the valley were damaged or destroyed; in 2018 it reached its highest level in 28 years. A standard homeowners policy does not cover that water — flood insurance is a separate policy, and for homes in Anderson Township along the Ohio and Little Miami, and in the riverfront neighborhoods, it is the first thing we talk about.
Above the flood plain the questions change: slate roofs and hill drainage in Hyde Park, Mount Lookout and Clifton; pre-war brick and frame in Westwood, Price Hill and Norwood; newer subdivisions out toward Blue Ash, Montgomery and Loveland. Carriers price each of those differently, and matching the house to the carrier is where the savings are.
Cincinnati 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 Hamilton County policies by phone and email; there is no walk-in office in Cincinnati.
Flood-plain homes along the Ohio and Little Miami rivers need a flood policy, not just a homeowners policy. Standard homeowners policies exclude flood damage; flood cover is a separate NFIP or private policy, and we quote it alongside the home policy.
Cincinnati is built on hills, and water that is not river flood — surface runoff, sewer backup, foundation seepage — is where many claims actually come from. Water-backup and foundation endorsements vary widely by carrier.
A slate or tile roof on a pre-war house is a strength to one carrier and a surcharge to another. Roof age, material and the date of the last repair are the underwriting facts to have ready.
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.
No. Flood damage from a rising river is excluded from standard homeowners policies everywhere in Ohio. It is covered by a separate flood policy through the NFIP or a private flood carrier, which we quote alongside the home policy.
No. Cincinnati 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.
