Shopping for car insurance?
Here’s what matters before you decide on automobile insurance.
- 4607 Great Northern Blvd, North Olmsted, OH 44070
Owning a home in Cleveland means navigating weather, older builds, and neighborhood quirks. From Tremont charm to East Side tree-lined streets. Your homeowners insurance should protect your property, belongings, and peace of mind and not confuse you with fine print or hidden gaps.
We’re not a faceless national brand where your policy’s just another number. At EZ2Insure, we take the time to get to know your story because homeowners insurance should feel like it’s built around your life, not pulled from a template.
Here’s what sets us apart:
Real Local Agents
You’re not stuck calling a call center in another state. Our Cleveland-based team knows the neighborhoods, housing styles, and weather risks that actually affect your coverage.
Clear, Honest Quotes
No fine print surprises. Just easy-to-read home insurance quotes that explain what’s covered and why it matters.
We Work With Trusted Carriers
That means more options, more flexibility, and more chances to find a rate that actually fits your budget. Whether it’s just homeowners insurance or a bundle with auto insurance.
Coverage That Fits Your Life
Live near the lake? Finished basement? Short-term rental upstairs? We tailor your coverage so you’re not overpaying or worse, underprotected.
Bundle & Save
Many Cleveland homeowners trust us for both home and auto insurance, and bundling can mean a lower premium and fewer headaches. One monthly payment, one trusted source.
We’re here to make insurance feel simple, not stressful.
Whether you’re after a basic home insurance quote or add-ons like flood or personal liability protection, we’ll walk through coverages like:
Dwelling (roof, walls, structure)
Personal Property (furniture, tech, valuables)
Other Structures (sheds, garages)
Liability & Medical Protection
Plus, extra protection options for high‑value items or short-term rentals—based on your real risks.
Lake-effect snow, thaw cycles, and aging homes can cause unexpected damage, especially in older neighborhoods like Ohio City. A standard policy might not cover frozen pipes, wind-induced damage, or valuable contents. We help you avoid being underinsured when your home gets tested.
Our agents know Cleveland. Whether you live near Hopkins, commute across the Flats, or relax at Edgewater, they’ve handled local claims from storm damage to basement flooding. Need clarity on endorsements? They’ll explain in simple terms.
No endless forms or hidden extras. We’ll gather what matters including property age, upgrades, or security features and then offer clear comparisons. Want inexpensive auto insurance too? Ask us about bundling and savings for homeowners insurance and car insurance.
Bottom line? We’re not just offering a policy—we’re helping you protect what matters in Northeast Ohio.
Let’s get started with your home insurance quote today.
Lower your rate by quoting at least 10 days in advance of your policy start date.
Some carriers offer a discount for having a burglar alarm, fire alarm, security system, or camera in your home.
Purchasing a new home or switching from a renters policy? You may qualify for a discount on homeowner insurance.
It’s like asking how much a cup of coffee costs. It depends where you’re buying it and how fancy you get. But in Cleveland, most homeowners pay somewhere between $1,000 and $1,900 per year. Got a house by the lake? Older foundation? Those things matter. And if you bundle it with your auto insurance? You might save more than you’d think.
“Reasonable” means different things to different people. But in our 15+ years experience companies like Erie, Liberty Mutual, and Progressive often come in strong on value, especially for Clevelanders with newer homes or solid credit. Of course, we quote them all, side by side, so you don’t have to wonder if you’re overpaying.
High prices usually mean either high risk—or a company that doesn’t specialize in your situation. Sometimes “big name” insurers cost more for older Cleveland homes, homes near flood zones, or if you’ve got multiple past claims. That’s why we shop it for you. No single company is always cheapest or priciest.
You’re not powerless here. A few smart moves can save you real money:
Raise your deductible (but make sure you can cover it).
Bundle with your auto or umbrella policy.
Improve your credit—even a 20-point jump can shave costs.
Add safety features: smoke detectors, security systems, etc.
Review your coverage annually—don’t just set it and forget it.
Avoid small claims that may lead to bigger premiums later.
It’s wild, but true: in Ohio (and most states), your credit score can seriously impact your rate. Good credit? You might save hundreds. Less-than-stellar? You’ll likely pay more.
Yes, but it’s a soft pull—so it won’t affect your score. It’s more of a peek than a deep dive.
While there’s no universal number, a credit score over 700 usually puts you in a favorable tier. Over 750? Even better.
Easy—let someone local who knows the area shop across multiple companies for you. We’re based in Cleveland, so we understand if your roof has a little snow wear or your basement needs backup sewer coverage. You won’t get that kind of personalized quote from a chatbot on a corporate website.
It’s extra liability coverage that kicks in after your home or auto limits are maxed out. Think lawsuits, serious injuries, or high-cost accidents.
Around $150 to $300 per year and if you have assets to protect, it’s one of the smartest insurance moves you can make.
Things like your own injuries, property damage to your own stuff, or business liability usually aren’t covered. It’s protection against liability, not everything else.
Nope. Getting quotes doesn’t affect your credit, and it won’t change your current policy until you say so. So go ahead—compare away.
Paying annually can save you money, and you won’t risk cancellation from a missed monthly payment. But if monthly works better for your budget, most companies are happy to set that up.
For sure. Older Cleveland homes (like those built before 1950) may come with higher premiums—especially if there’s old wiring, plumbing, or outdated roofs involved. But if you’ve updated stuff? Let us know. That can mean discounts.
Here’s the shortlist:
Your credit score
The age and condition of your home
Your deductible
Location (yes, even your ZIP code)
Past claims
Whether or not you bundle
Absolutely. Even if your mortgage lender “suggests” one, it’s your legal right to choose the carrier. And if you’re refinancing, it’s a good time to shop it around again.
Shopping for car insurance?
Here’s what matters before you decide on automobile insurance.
Looking into term life insurance or whole life insurance?
We make the differences clear and simple.
Looking for extra insurance that provides protection beyond
existing limits and coverages of other policies?
Looking for a home insurance quote?
We break down what matters and how we can help.
Considering business or commercial insurance?
Here’s how to avoid overpaying or being left exposed.
Bundling auto and home insurance?
Here’s how to protect more and pay a lot less.
Shopping for car insurance?
Here’s what matters before you decide on automobile insurance and how we can save you money.
Looking into term life insurance
or whole life insurance?
We make the differences
clear and simple.
Looking for extra insurance
that provides protection beyond
existing limits and coverages
of other policies?
Learn how our umbrella insurance can help you.
Looking for a
home insurance quote?
We break down what matters and how we can help.
Considering business or commercial insurance?
Here’s how to avoid overpaying or being left exposed.
Bundling auto
and home insurance?
Here’s how to protect more
and pay a lot less.
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