Find the best rates from the best companies. Tell us about your house — we'll show you what multiple carriers would write it for.
Prefer to talk? (740) 873-7170
What we insure
Why choose us
Local knowledge
Southeast Ohio is the county seats and the country between them: Athens, Marietta on the Ohio River, Zanesville on the Muskingum, Cambridge, and the townships, farms and hollows around each. Housing here is cabins, farmhouses, manufactured homes and pre-war town lots, often miles from the nearest fire station — and that distance is the first thing a carrier prices.
Water is the second. In August 2026, three to five inches of rain flash-flooded Athens and the northern county, the Muskingum rose at McConnelsville, and the governor declared an emergency for Perry, Muskingum and Morgan counties with rescues in Roseville and Crooksville. A standard homeowners policy excludes that water; a separate flood policy covers it, and in the river counties we quote it every time.
Southeast Ohio Homeowners Insurance is written from the OAW Insurance office at 3533 Lesh Street NE, Canton, Ohio 44705 — the same independent agency behind every site in our Ohio network. We quote and service Appalachian Ohio policies by phone and email; there is no walk-in office in the region.
Creeks in the hollows rise in hours, and the Muskingum and the Ohio rise over days. Standard homeowners policies exclude flood damage; flood cover is a separate NFIP or private policy, and we quote it alongside the home policy.
The protection class — how far the house is from a staffed fire station and a hydrant — is one of the biggest rating factors for a rural home. Some carriers will not write the most remote classes at all; others specialise in them. We know which.
A seasonal cabin, a working farm and a manufactured home each need a different policy form, not a standard homeowners policy with the address changed. Getting the form right is what makes the claim pay.
Beyond the standard policy
Protect your home from water damage due to flooding.
Learn more →Stay covered in case of seismic activity.
Learn more →Additional protection for luxury homes and valuable assets.
Learn more →Coverage for landlords and rental properties.
Learn more →How it works
Answer a few taps about your home — about two minutes.
Work with our experts to select the best coverage options.
Complete the paperwork and activate your insurance.
Rest assured knowing your home is fully protected.
FAQ
A standard policy covers your dwelling, other structures (like a detached garage), personal property, loss of use, personal liability, and medical payments to others. Specific limits and endorsements vary by carrier — that's what we're here to compare.
You should insure your home for its replacement cost — not the market value. We help calculate the proper coverage based on your home's size, materials, and local construction costs.
It's not required by law, but mortgage lenders will typically require coverage before issuing a home loan.
We use a soft credit inquiry, which doesn't affect your score. Your credit helps determine risk, and in many cases, better scores mean lower rates.
Bundle with auto, install safety devices (like security systems), raise your deductible, or maintain a claims-free history to save more.
Yes. Distance to fire protection raises the premium and rules out some carriers, but several we compare specialise in rural homes. Tell us the road and the nearest station and we quote the carriers that actually write it.
No. Southeast Ohio policies are quoted and serviced by phone and email from our Canton office at 3533 Lesh Street NE; nothing about the quote requires a visit.
Two minutes of taps, or one phone call — whichever you prefer.
