Ohio Homeowners & Property Insurance from 1859 Mutual

1859 Mutual covers Ohio homeowners and rental properties through local independent agents who know your community. As a mutual, we answer to our policyholders, not shareholders.

FIND A LOCAL AGENT

Find Your Local Agent

Insurance Through a Local Agent Who Knows You.

Every 1859 Mutual policy is placed through a local independent agent. They know Ohio, they know your community, and they stay with you. Find an agent near you to get started.

LOCATE AN AGENT

File a Claim with Confidence

Here When It Matters Most.

When something goes wrong, our claims team responds fast and treats you like a neighbor, not a number. That's the mutual difference.

SUBMIT A CLAIM

Financial Stability

Rated "A, Exceptional" by Demotech

Rated "A, Exceptional" by Demotech 1859 Mutual is recognized for its unwavering financial strength. Even in challenging times, we’re prepared to support you. Trust us to safeguard your future.

Our financial strength

Make a Payment

Submit a Claim

A historic small-town Ohio Main Street, the kind of community 1859 Mutual has served since 1859

a legacy continues

Insurance From a Mutual That Answers to You

1859 Mutual is an Ohio mutual insurance carrier. Because we're owned by our policyholders and not by shareholders, every decision starts with the people we cover.

What You Get With 1859 Mutual

Stability: A strong financial foundation and a Demotech "A, Exceptional" rating.
Local service: Every policy is placed and serviced through a local independent agent who knows your area.
Fair claims: Claims handled quickly by people who answer to you, not to investors.

Protecting Ohio homeowners and rental property owners with coverage built around your needs.

FIND A LOCAL AGENT

Or start with Homeowners Insurance, Landlord/Dwelling Insurance, or Farmowners Insurance.

Ohio Insurance, Through Agents Who Know You

Every 1859 Mutual policy is placed through a local independent agent. Enter your ZIP code to find agents near you.

Or browse all Ohio agents ›

Three generations of an Ohio family arriving at their home, protected by 1859 Mutual

What we offer

Pioneering Protection
for Every Generation

Discover how our enduring commitment to excellence, community, and stability shapes every solution we offer.

About 1859 Mutual

1859 Mutual is an Ohio mutual insurance carrier. Because we're owned by our policyholders and not by shareholders, we answer to the people we cover, protecting Ohio homes and rental properties with comprehensive coverage.

Our Services

We specialize in homeowners and landlord/dwelling insurance for Ohio property owners, placed and serviced through local independent agents who know your community.

Financial Strength & Stability

Insuring Ohio since 1859 and backed by a Demotech "A, Exceptional" rating, we maintain the financial strength to protect our policyholders for the long term.

Community Focus

Rooted in Ohio, we build personal relationships with every policyholder and the local independent agents who serve them, reflecting our commitment to mutual trust and support.

Ohio Homeowners and Property Insurance

1859 Mutual covers Ohio homeowners and landlord/dwelling risks, placed through your local independent agent. Straightforward coverage from a mutual that answers to its policyholders.