Earthquakes are not usually synonymous with the Buckeye State. In fact, a major quake hasn't hit Ohio in more than a century.
Ohio does get hit by smaller earthquakes though. Homeowners insurance does not cover earthquake damage. However, you can often get earthquake coverage through an endorsement to your homeowners policy, or as a separate policy. Most home insurance companies serving Ohio offer earthquake insurance.
Premiums are low, but nationally, earthquake deductibles typically range between 5% and 15% of the policy limit, according to III.