Your newly-rented space should feel like home. Unfortunately, your landlord's insurance policy may not cover everything. How would you replace your personal belongings in the event of theft, or pay for damages due to a drain backup? Whether you're renting your first apartment in Columbus, leasing a loft in downtown Toledo or living in a Dayton bungalow, you need a dependable renters insurance policy. Nationwide's renters insurance coverage provides customizable protection at affordable rates. We even offer renters insurance discounts to help our members save more. Get protected in your apartment, condo or home - start a renters insurance quote online now.

Is renters insurance required in Ohio?

While renters insurance is not required by law in Ohio, some landlords may require it for you to live in their building. It’s generally a good idea to have at least some form of coverage as your landlord’s insurance is not liable for any damage to your personal property. So in the event of a fire, accident, or burglary you will be responsible for replacing your belongings.

Ohio renters coverages and discounts
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Renters insurance coverage

With Nationwide renters insurance coverage, you enjoy the security of knowing your belongings may be covered if stolen, damaged or destroyed.

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Discounts on renters insurance rates

Save money on Nationwide renters insurance coverage with these renters insurance discounts.

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Policy features that may meet the needs of Ohio renters

Whether you're looking for renters insurance in big cities like Cleveland and Cincinnati or in the Ohio countryside, Nationwide has you covered.
  • Valuables Plus®1 insurance may cover items such as jewelry, watches, antiques and fine art in the event of covered losses, including theft.
  • Medical payments renters insurance may cover others' medical expenses resulting from an accident on your property.

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What factors go into determining a renters insurance rate?

While the average cost of renters insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your renters insurance rate:

Location

The location of the rental property includes state and ZIP code.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your policy to cover.

Deductible

The amount of money you choose to pay out of pocket can affect your renters insurance premium.

Bundle insurance policies

Nationwide offers a variety of multi-policy discount options. Choosing to bundle auto and renters insurance from the same insurance provider can potentially lower your insurance premium.

What to consider when getting renters insurance in Ohio

Ohio is prone to tornadoes during “tornado season,” which usually occurs April through July in a given year. Renters insurance policies typically cover damage as a result of high winds or fire, so you will be covered in the event your residence is destroyed by a tornado.

Get a free Ohio renters insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your Ohio renters insurance quote today.

Nationwide coverage in Ohio

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[1] Valuables Plus is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.