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Erie's exceptional customer service reviews mean you can expect the company to take great care of you if you're ever in an accident.

Erie is also a great option if you want extra protection because it offers lots of coverage add-ons such as new or better car replacement, accident forgiveness and gap insurance.

However, Erie's home insurance rates tend to be expensive in Wisconsin. So it's not a great choice if you prefer bundling your home and auto policies with the same company.

ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.

Erie's exceptional customer service reviews mean you can expect the company to take great care of you if you're ever in an accident.

Erie is also a great option if you want extra protection because it offers lots of coverage add-ons such as new or better car replacement, accident forgiveness and gap insurance.

However, Erie's home insurance rates tend to be expensive in Wisconsin. So it's not a great choice if you prefer bundling your home and auto policies with the same company.

ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.

Lemonade's digital-first approach allows you to both get quotes and file claims online with ease. One potential downside is that you won't be able to work with an agent in person. You can only manage a policy online or over the phone.

A typical Lemonade policy costs around $18 per month, which is $10 per month cheaper than Ohio's statewide average.

Although Lemonade's basic coverage will be enough to meet the needs of most Ohio renters, you can upgrade your policy with a few add-ons. These include coverage for water backups, identity theft protection and replacement cost coverage.

One thing Ohio renters should consider is Lemonde's customer service. It's ranked well for customer satisfaction by J.D. Power, and has a user-friendly online interface. But it also gets more than three times the customer complaints of an average company its size. This means your insurance company might add to your stress after something happens to your home.

Amica has a low rate of customer complaints, receiving only one-third of what an average company its size gets. This is a good sign that most of their policyholders are satisfied with their service. The company also earned a strong rating from ValuePenguin's editors for its all-around product.

You also may not need to pay that much more for Amica's service. Though Amica's rates are higher than State Farm's and Lemonade's, they are still 10% cheaper than the state average. You can also lower that rate with a range of discounts.

However, there are certain popular coverages you can't get with Amica. That includes protection if your belongings are damaged by a water backup or by mold.

State Farm's average rate of $13 per month is considerably cheaper than the state average. It's also $5 per month cheaper than the next-cheapest option, Lemonade.

You'll still get good customer service with State Farm, despite the lower rates. The company has some of the better customer service for renters coverage. It gets an average number of complaints for a company its size. State Farm also got an above-average rating for customer satisfaction from J.D. Power.

State Farm doesn't offer as many ways to lower your rates with discounts. You can't get a break in rates for things like paying for your whole policy in full or staying claim-free. But you can get a bundling discount if you also use State Farm for your auto or motorcycle insurance, which can lower rates considerably.

Amica has a low rate of customer complaints, receiving only one-third of what an average company its size gets. This is a good sign that most of their policyholders are satisfied with their service. The company also earned a strong rating from ValuePenguin's editors for its all-around product.

You also may not need to pay that much more for Amica's service. Though Amica's rates are higher than State Farm's and Lemonade's, they are still 10% cheaper than the state average. You can also lower that rate with a range of discounts.

However, there are certain popular coverages you can't get with Amica. That includes protection if your belongings are damaged by a water backup or by mold.