Living in Middletown, Ohio offers residents numerous advantages. Firstly, our city boasts a rich industrial heritage, evident in its well-preserved historic architecture and museums, providing a strong sense of community and culture. Secondly, Middletown's strategic location between Cincinnati and Dayton offers easy access to big-city amenities while maintaining a small-town feel. Thirdly, our community benefits from excellent educational opportunities, including a campus of Miami University and a robust public school system. Additionally, Middletown's commitment to economic revitalization has resulted in new businesses and job opportunities, fostering a growing local economy. Lastly, our city's abundance of parks and recreational facilities, such as Smith Park and the Great Miami River Trail, promotes an active and healthy lifestyle for all residents.

Why is Middletown Homeowner's Insurance Expensive?

Middletown, Ohio home insurance rates are notably high due to several factors. Fast facts: 1) The city's aging housing stock increases repair and replacement costs. 2) Middletown's proximity to the Great Miami River elevates flood risk. 3) Ohio's severe weather patterns contribute to higher premiums. 4) The area's crime rate affects insurance pricing. Two recent local weather events that impacted insurance rates include the severe thunderstorms and tornadoes in May 2022 and the widespread flooding in March 2021. These events prompted Ohio home insurance companies to reassess risk models and adjust rates accordingly, leading to increased premiums for many Middletown homeowners.

How Much is Homeowners Insurance in Middletown?

Homeowners in Middletown pay an average of $1784 per year, or $149 a month, for a homeowners insurance policy with $300,000 in dwelling coverage. This makes home insurance in Middletown roughly 1% less expensive than the Ohio average of $1800 per year. And Middletown insurance is about 27% less than the national average of $2270. It pays to shop and compare Middletown home insurance rates.

The Cheapest Homeowner Insurance Rates for Middletown, Ohio

Provider	Annual Insurance Rate
Allstate	$1696
American Modern	$1651
Auto-Owners Insurance	$1399
Chubb	$2008
Cincinnati Insurance	$1293
Encova Insurance	$1601
Erie	$1203
Farmers	$1707
Grange Insurance	$1752
National General	$1756
Nationwide	$1775
Ohio Mutual Insurance	$1177
Progressive	$1890
Safeco	$1896
State Farm	$2072
Travelers	$5150
USAA	$1428
Western Reserve Group	$1438
Westfield Insurance	$997