by: toraPosted on:

Types of Insurance Required in Ohio: Auto, Home, Health & More

If you’re living or driving in Ohio, here are the key types of insurance you should consider:

đźš— 1. Auto Insurance

Ohio requires auto insurance with the following minimum liability coverage:

You might also want optional coverages like:

🏠 2. Homeowners or Renters Insurance

Not legally required in Ohio, but most mortgage lenders do require homeowners insurance reddit.com+15eqinsurancepartners.com+15maishahuru.com+15.
Renters should consider it too—landlords often require it, and it covers your belongings and liability.

🏥 3. Health Insurance

Not state-mandated, but under federal law (ACA), you should have coverage. Options include employer plans, Medicaid, Medicare, or marketplace plans .

👷‍♂️ 4. Business Insurance

If you own a business in Ohio and have employees, you’re required to carry:

You should also consider but aren’t always required to have:

âś… Summary

Insurance Type Required?
Auto Insurance âś… Yes, by law
Homeowners Insurance Mortgage-required
Renters Insurance Often landlord-required
Health Insurance ACA-regulated
Business Insurance (Workers’ Comp, Commercial Auto) Required for employers and businesses with vehicles