Ohio Homeowners Insurance, Built Around You.

Your home is where life happens, and protecting it shouldn't be complicated. 1859 Mutual has covered Ohio homeowners since 1859, placed through your local independent agent. Because we're a mutual, we answer to our policyholders, not to shareholders. That's who we work for.

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Ohio Homeowners Insurance, Built Around You.

homeowners coverage

What Does Our Homeowners Insurance Cover?

A 1859 Mutual homeowners policy gives Ohio homeowners broad, dependable protection, placed through your local independent agent. Coverage typically includes:

Dwelling and Structures

Covers the cost to repair or rebuild your home and any attached structures after damage from covered perils like fire, wind, or hail.†

Liability Protection

Provides financial protection if someone is injured on your property or if you cause damage to someone else's property.†

Personal Property

Ensures your belongings are protected against theft, damage, or loss, both inside and outside your home.†

Additional Living Expenses

Covers the cost of living elsewhere if your home becomes uninhabitable due to a covered loss.†

†Policy Terms and Conditions apply

What we offer

Why Ohio Homeowners Choose 1859 Mutual

We've done one thing well for over 160 years: protect Ohio homes. As a mutual, our policyholders come first, not shareholders. We're Demotech "A, Exceptional" rated, so we're built to be here when you need us, and we work only through local independent agents who know your community.

Local Service

1859 Mutual works exclusively with local independent insurance agents throughout the State of Ohio.

Local Expertise

With deep roots in Ohio and only serving Ohioans, we understand the unique risks homeowners face in our state and offer solutions tailored to your local needs.

Affordability

We combine comprehensive protection with competitive pricing, making securing quality coverage within your budget easy.

Frequently Asked Questions

What does homeowners insurance cover in Ohio?

Homeowners insurance covers the home and attached structures, personal property, personal liability, and additional living expenses if the home becomes uninhabitable after a covered loss, under one policy. 1859 Mutual writes homeowners insurance for Ohio homes through appointed independent agents.

What makes 1859 Mutual different for homeowners in Ohio?

1859 Mutual is a policyholder-owned mutual insurance company with a Demotech "A, Exceptional" Financial Stability Rating, and it places and services every Ohio homeowners policy through a local independent agent. As a mutual, it answers to its policyholders rather than outside shareholders, and your local agent knows your community.

How do I get homeowners insurance from 1859 Mutual in Ohio?

You get 1859 Mutual homeowners insurance through a local independent agent, who places and services your policy. 1859 Mutual sells only through appointed independent agents across Ohio, so find a local agent near you to get started.

Find a Local 1859 Mutual Agent

Ohio homeowners insurance from 1859 Mutual is placed through local independent agents who know your community. Find an agent near you to get started.

LOCATE AN AGENT