Directory · Ohio · Homeowners

Who writes homeowners in Ohio

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

State Farm Group wrote the most homeowners in Ohio in 2025, $1.08B and 21.2% of the state's premium; the top five groups hold 54%. Ohio's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the Ohio page.

By Sam Alishahi, independent insurance broker · All lines in Ohio

Top 10 · NAIC table: 04 - Homeowners Multiple Peril

The insurer groups that write the most homeowners in Ohio

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#	Insurer group	Premium written	Share	Loss ratio	Member companies here
1	State Farm Group	$1.08B	21.22%	52%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2	Allstate Insurance Group	$617.9M	12.12%	50%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
3	Erie Insurance Group	$389.4M	7.63%	58%	Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
4	Liberty Mutual Group	$334.4M	6.56%	27%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
5	American Family Insurance Group	$324.6M	6.36%	41%	American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
6	Grange Mutual Casualty Group	$237.5M	4.66%	37%	Integrity Property and Casualty Insurance Company, Integrity Insurance Company, Integrity Select Insurance Company, Grange Insurance Company
7	Nationwide Corporation Group	$224.5M	4.40%	35%	Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company
8	Cincinnati Financial Group	$214.9M	4.21%	42%	Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
9	United Serv Automobile Assn Group	$213.0M	4.18%	54%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
10	Auto Owners Group	$201.0M	3.94%	37%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company

Turned down?

Last resort for homeowners in Ohio

Last resort	Lines	Where	How to get in
Property FAIR Plans	dwelling fire, homeowners, commercial property	CA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FL	Each state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optional	Source
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the Ohio Department of Insurance company list, read 2026-10-17. Ohio's authorized list carries a company type code; the department publishes no surplus lines list (eligibility follows the home state and the NAIC Quarterly Listing). "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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