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? (419) 780-3388
What we insure
Why choose us
Local knowledge
Toledo sits where the Maumee River meets Maumee Bay at the western end of Lake Erie, and the metro spreads along both banks: Maumee, Sylvania, Ottawa Hills and Oregon on the Lucas County side, Perrysburg and Rossford across the river in Wood County. Much of the metro sits on low ground near the river and the bay, so the questions carriers ask here are about basements, sump pumps and how close the house is to the water.
The storms are the other half. Severe thunderstorms off the lake plain bring straight-line wind and hail across Toledo every summer, and the Maumee reached moderate flood stage upstream after days of rain in spring 2026. A standard homeowners policy covers the wind and excludes the river; we quote both.
Toledo 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 Lucas County policies by phone and email; there is no walk-in office in Toledo.
Homes near the Maumee and the bay need a flood policy, not just a homeowners policy. Standard homeowners policies exclude flood damage; flood cover is a separate NFIP or private policy, and we quote it alongside the home policy.
Low ground puts water in Toledo basements without any river involved. Sump-pump failure and sewer backup are endorsements that vary in limit and price by carrier; we make sure they are on the quote.
Summer storms crossing the lake plain bring 60 mph gusts and hail across Lucas County. Roof age and material are the underwriting facts to have ready, and older bungalows with slate or original shingles are priced very differently by different carriers.
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.
It depends on where the water came from. Rising river or lake water is flood and is excluded — that needs a separate flood policy. Sump-pump failure or sewer backup can be covered by an endorsement, which we add to Toledo quotes by default so you can see the cost.
No. Toledo 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.
