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Find the Best Renters Insurance in Cincinnati, OH

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    by Sandi Pope ConsumerAffairs Research Team

    Renters insurance companies in Cincinnati offer a range of options, various discounts and helpful add-ons to customize a policy to suit your needs. Choosing the right provider means finding the coverage that best fits your situation and a trusted agent to compare and explain your options.

    Top 10 Cincinnati Renters Insurance Companies


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      cincinnati skyline

      Renters insurance reimburses Cincinnati residents whose belongings are damaged by vandalism, theft, fire or other perils while living in a rented home or apartment. Cincinnati renters insurance also provides financial security if someone is injured in your home.

      Renters insurance is a good purchase for any renter in Cincinnati. University of Cincinnati students can purchase a policy to protect their possessions as they start on their own. Renters in neighborhoods with high property crime rates often obtain renters insurance to protect against theft and vandalism.

      While renters insurance does not cover flooding due to weather events, residents of neighborhoods near the Ohio River can get flood protection added to their policies. Renters insurance also covers damage caused by heavy winds or frozen or burst pipes in Cincinnati’s freezing winters.

      How much does renters insurance cost in Cincinnati?

      The average cost of renters insurance in Cincinnati is $15 per month and typically ranges from about $106 to $286 per year. The size of your home or apartment, crime rates in the area, assets you need covered and neighborhood you live in affect the monthly premium. The coverage limits you purchase also influence the price.

      You’ll typically pay a lower premium if you choose a higher deductible, but you pay more out of pocket if you need to file a claim. How you are reimbursed for your lost possessions also affects the cost.

      • Replacement value renters insurance is more expensive but provides the amount of money it takes to replace your lost belongings.
      • Cash value renters insurance is less expensive but only pays you the depreciated amount your belongings are worth at the time of loss.

      Add-ons for flood protection, highly valuable items or specialty items, such as art or antiques, also increase the monthly cost. If you have made renters insurance claims in the past, that could also lead to higher premiums.

      Renters insurance discounts in Cincinnati

      Cincinnati residents can save money on renters insurance by bundling their renters insurance policy with another policy, including auto insurance. Companies also often give discounts if you install smoke detectors or home monitoring systems.

      How to choose a Cincinnati renters insurance company

      Before purchasing a renters insurance policy, make an inventory of your personal property and estimate the total value of the items you want to cover. If you own antiques, art or collectibles that you would like to add to your policy, get a professional appraisal so you know what they’re worth.

      Take photos of your belongings, keep receipts for purchased items and write down the serial numbers of high-value items to make filing a claim a smoother process. When selecting a deductible, choose a figure you can afford to pay out of pocket. Most policies have deductible amounts of $500 or $1,000.

      To evaluate renters insurance carriers in Cincinnati, read online reviews and talk to neighbors and friends who have policies with the company. Look for companies with a reputation for paying claims promptly and fairly. Many websites offer online quotes, so compare prices before making a final decision. In many cases, you can also call and talk to an agent about your specific needs.

      Before signing a contract, make sure you understand exactly what the policy covers. Ask about the claims process and if you have an adjuster assigned to help you. Cincinnati renters should check with the Ohio Department of Insurance to verify the license of any insurance agent.

      Is renters insurance required in Cincinnati?

      Renters insurance is not required by law in Cincinnati. Landlords are legally allowed to require renters insurance as part of a contract, but they cannot require you to purchase it from a specific carrier.

      Even if your lease does not require renters insurance, it’s a smart decision to purchase a policy. A landlord’s property insurance does not cover your personal belongings or pay medical expenses if someone gets hurt on the premises. In Cincinnati, renters insurance is an affordable way to protect your investments.

      Not sure how to choose?

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        Cincinnati renters insurance company information

        Cinnatus Insurance

        Cinnatus Insurance is an independent broker that offers renters insurance from a variety of carriers, which allows the client to compare and choose the best fit of coverage and price. Clients can save money by bundling policies for renters and auto insurance. The company offers free quotes.

        • Service areas: Cincinnati, Ohio, Kentucky and Indiana
        • Address: 4790 Red Bank Expressway, Ste. 207, Cincinnati, Ohio 45227
        • Phone: (513) 587-3553
        • Hours: M - Th: 9am - 5pm; F: 9am - 4pm
        • Website:
        Lauber & Will Insurance

        Lauber & Will provides insurance solutions for renters in Cincinnati. The company’s staff helps you decide how much coverage you need based on your personal property, valuables, home improvements and risk factors.

        • Service areas: Ohio, Kentucky, Indiana and Tennessee.
        • Address: 7012 Harrison Ave., Ste. 5, Cincinnati, OH 45247
        • Phone: (513) 661-8300
        • Hours: M - F: 8:30am - 5pm
        • Website:
        Henry Insurance Agency LLC

        Henry Insurance Agency is an independent insurance broker. The company’s staff creates a tailored proposal package that compares policies from at least six companies. Its agents help you choose the best coverage for your situation. Henry Insurance Agency provides renters insurance products from Erie Insurance, Progressive, Pekin Insurance, Grange Insurance and MetLife.

        • Service areas: Cincinnati area
        • Address: 2757 Observatory Ave., Ste. 22, Cincinnati, OH 45208
        • Phone: (513) 871-7700
        • Hours: M - Th: 9am - 5pm; F: 9am - 4pm
        • Website:
        Allstate Renters Insurance Cincinnati

        Allstate is a nationwide insurance carrier. You can bundle renters, auto and other policies for a discount. The provider’s local agent helps you decide how much coverage you need for your belongings. Cincinnati renters can add identity theft restoration and increased coverage on business properties to their renters insurance policy. The company also sells flood and personal umbrella insurance.

        • Service areas: Cincinnati area
        • Address: 3006 Portsmouth Ave., Cincinnati, OH 45208
        • Phone: (513) 871-5300
        • Hours: M: 8:30am - 6:30pm; T - F: 8:30am - 5pm
        • Website:
        Acceptance Insurance Cincinnati

        Cincinnati’s Acceptance Insurance agent is available to meet on Saturdays. The insurance broker helps clients compare policies from several carriers to find the best renters insurance coverage. Discounts are available for bundling policies.

        • Service areas: Cincinnati
        • Address: 10952 Hamilton Ave., Cincinnati, OH 45231
        • Phone: (513) 742-5622
        • Hours: M - F: 9am - 6pm; Sat: 10am - 5pm
        • Website:
        Huwel Insurance Group

        Huwel Insurance is an insurance broker agency that offers renters insurance plans from several providers. Agents might be able to meet with you at your home in the Cincinnati area. The broker partners with insurance companies to provide coverage for specialty items in your home. Huwel offers supplemental insurance for flood damage.

        • Service areas: Greater Cincinnati Tri-State area
        • Address: 1981 Madison Road, 2nd Floor, Cincinnati, OH 45208
        • Phone: (513) 321-1400
        • Hours: M - F: 9am - 4:30pm
        • Website:
        Duffy Insurance Agency

        Duffy Insurance Agency represents Titan, Safeco Insurance, Progressive, Grange Insurance and Foremost Insurance Group. Its agents compare multiple quotes and coverages to help you find a policy. Duffy Insurance is a member of the Professional Insurance Agents and the Cincinnati Insurance Board. This company is licensed in Ohio, Kentucky and Indiana.

        • Service areas: Cincinnati, Bridgetown, Cheviot, Colerain, Delhi and White Oak
        • Address: 7611 Cheviot Road, Cincinnati, OH 45247
        • Phone: (513) 861-5500
        • Hours: M - F: 9am - 4:30pm
        • Website:
        State Farm Renters Insurance Cincinnati

        State Farm is a nationwide insurance carrier with local agents in Cincinnati. State Farm offers discounts for bundling renters and auto policies. The company also provides savings for installing home alert systems, including smoke detectors and burglar alarms. State Farm’s policies can include inflation coverage, which automatically increases the value of coverage on your personal property as inflation changes the cost of living. It also has add-ons to cover cyber events and identity restoration.

        • Service areas: Cincinnati, Indiana and Kentucky
        • Address: 3111 Mozart Ave., Cincinnati, OH 45211
        • Phone: (513) 662-220
        • Hours: M - F: 9am - 5pm; Sat & Sun: By appointment
        • Website:
        by Sandi Pope ConsumerAffairs Research Team

        Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.