Find the best rates from the best companies. Tell us about your house — we'll show you what multiple carriers would write it for.
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What we insure
Why choose us
Across Ohio
OAW Insurance is an independent agency in Canton, Ohio. We compare homeowners policies from multiple carriers for owners across the state — from the Lake Erie shore to the Ohio River — and we run a local site for each of the regions we write most.
Ohio is not one insurance market. Carriers price the lake-effect snow belt east of Cleveland differently from the Ohio River flood plain in Cincinnati, and a 1920s brick home in German Village differently from a post-2000 build in a Columbus suburb. Choosing a carrier that already writes your part of the state comfortably is most of the savings.
Our office is at 3533 Lesh Street NE, Canton, Ohio 44705. We quote and service policies anywhere in Ohio by phone and email; every regional site below is written from this same office.
The primary snow belt east of Cleveland — Lake, Geauga, Ashtabula and eastern Cuyahoga counties — sees far more snow than the rest of the state, and with it ice dams, roof loads and frozen pipes. Water and freezing damage — burst pipes, ice dams — is one of the most common homeowners claims in the country, and carriers look at heat, insulation and roof age when they price a house for it.
Cincinnati sits on the Ohio River, which crested above 64 feet in 1997 and damaged thousands of homes; southeast Ohio’s creeks and hollows flash-flooded again in August 2026. Standard homeowners policies exclude flood damage; flood cover is a separate NFIP or private policy, and we quote it alongside the home policy.
The June 2012 derecho crossed Columbus with 82 mph gusts, and the 2019 Memorial Day outbreak put more than a dozen tornadoes through the Dayton area in about two hours. Roof age and material drive how carriers price that exposure.
Where we write
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.
No. We write homeowners policies across Ohio by phone and email; where you live changes which carriers we compare, not whether we can help.
Because the questions differ. A Toledo homeowner asks about the Maumee River; a Chardon homeowner asks about roof snow load. Each regional site answers what we hear from that area, and every one of them reaches this same Canton office.
Two minutes of taps, or one phone call — whichever you prefer.
