Ohio Mutual
is here to help with all your home insurance needs

Why Do You Need Homeowners Insurance?

There’s actually two big reasons why. The first is that if you have a mortgage, your lender will probably require you to have insurance to protect their investment in you. And the second is to protect yourself from the unexpected. 

Homeowners insurance protects you from the financial consequences that come from covered damages to your home or your belongings. But there’s also a liability side to your homeowners policy to help protect you if you or a family member injures someone or an accident happens while a visitor’s on your property.

Ohio Mutual Can Help With All of Your Homeowners Insurance Needs

Ohio Mutual protects your family by insuring your home against damage from fire, smoke, windstorms, and other catastrophic risks. And if you’ve got a number of valuable personal items that you keep on you property (like collectibles, jewelry, firearms, and artwork), we offer additional coverage to make sure you’re covered for their full value . 

Every day, we continue to think of new ways to adapt our coverages and products to address new risks and concerns to modern homeowners. And that’s why we’ve added identity theft protection to our homeowners insurance package, to help you feel the peace of mind you deserve.

Our products offer coverage against the following:

  • Explosions, fire, or lightning
  • Identify theft 
  • Windstorms or hailstorms
  • Riots or civil unrest
  • Vandalism and malicious mischief
  • Smoke damage

Dwelling coverage

pays for damage to the physical structure of your home.

Contents coverage

pays for damage to your personal property, or belongings.

Why Choose an Independent Insurance Agent? 

Independent Insurance agents work with Ohio Mutual Insurance Company to offer our policyholders the best value, service, and protection for all of your unique needs.

  • Our agents are specifically chosen based on shared values and goals for our customers.  
  • Every single independent agent is a licensed, knowledgeable professional who lives and works right in your community.
  • Agents do the research for you, simplifying the process so you can understand your options clearly.
  • Independent agents work to make you happy, helping you find the right protection for your needs — no more, no less. 
  • One call gets you multiple quotes and opportunities to save.
quotation marks

They were there after a winter storm caused damage to my property. Backed me up and responded fast and with professionalism. Ohio Mutual Insurance made me feel safe and secure. Strongly recommended for peace of mind!

Reviewed by Clearsurance

More Ways to Save With Homeowners Insurance Coverage Options & Discounts

Ohio Mutual provides multiple add-on coverages that you can use to tailor your homeowners insurance policy more accurately to your needs. This way, you can choose the coverage options that you need, and save by limiting coverage you don’t need. The best way to get exactly what you need is to be open and honest with your agent. The more they know about you, the better they can insure you properly, including adding coverages like:

  • Replacement Plus for your contents
  • Replacement Guarantee for your dwelling
  • Earthquake coverage
  • Liability coverage for seasonal homes or rental properties
  • Sewer or drain backup coverage
  • Home business coverage
  • Scheduled personal property coverage for jewelry, fine art, furs, etc. 

Homeowners Insurance Discounts

We also offer a variety of homeowners insurance discounts to help you save. Whether you have a newer home, have a home security system, or combine your auto and home insurance with Ohio Mutual, we offer a variety of ways for you to save.

Where we insure

  • Connecticut
  • Ohio  
  • Maine 
  • New Hampshire
  • Vermont

What people are saying about Ohio Mutual insurance agents


Ohio Mutual was very easy to work with when our roof was damaged due to high winds. They quickly resolved our claim and after our deductible, paid for our entire roof.

Homeowners Insurance Review by Clearsurance


We moved into a 14-room Victorian fixer-upper 20+ years ago and needed insurance. Most insurers wouldn't touch us, but Ohio Mutual would. Over the years, they have worked with us as we have continued to work on our home. I appreciate their support and understanding.

Homeowners Insurance Review by Clearsurance


They were there after a winter storm caused damage to my property. Backed me up and responded fast and with professionalism. Ohio Mutual Insurance made me feel safe and secure. Strongly recommended for peace of mind!!

Homeowners Insurance Review by Clearsurance

It’s time to find your perfect Ohio Mutual insurance agent.