Get multiple home insurance quotes in 43521. Our licensed 43521, OH agents are ready to serve you.

Homeowners Insurance in 43521

In Fayette, OH, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 43521 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Ohio licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 43521 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 43521 should appear in the zip code field ready to go.

43521 Homeowners Insurance Rates Are Considered: Very Low!

If your looking for a standard homeowners policy in Ohio, you are going to see rates around the average home insurance premium per year of $656. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Fayette home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 43521 Home Insurance Rates Now!

Best 3 Options to Compare in 43521

If you want homeowners insurance quotes within the city of Fayette or in the 43521 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Fayette, OH.

43521 Home Insurance Average Premiums

Local 43521 homeowners insurance quotes comparison

$406 /yr.

Shows Zip Code: 43521 lowest rates with discounts applied on average.

For the 43521, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$406 /yr.
Average Coverage:$656 /yr.
2600 sq. ft. or higher
(all discounts applied)
$956 /yr.

What is the average home insurance cost for a home in 43521?

  • • The average homeowners insurance premium paid annually for a home in 43521 is around $656 per year.

What does it cost on average per month for home insurance in 43521?

  • • Homeowners in 43521 pay a monthly average cost per month around $55.00.

What kind of discount could I get if I combine my home and auto insurance together in 43521?

  • • Autoowners in 43521 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Fayette area, check out other zip codes nearby 43521.
Review average rates in another zip code:
43521 homeowners insurance rates

Home Replacement Cost Coverage in 43521

Average Building Cost Per Square Foot in 43521: $111

Location: Fayette, Ohio (Fulton County)

Average Square Footage in 43521: 971 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 43521 before you start any project. Fayette homeowners pay on average around $111 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 43521 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 43521 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 971 sq. ft. and the average cost to rebuild the home in this area is around $111 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Fayette area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$111971$107,800
Additional Upgrades & Added Features$139971$134,750
Major Home Updates or Advancements$167971$161,700

It's important to understand that when you estimate your replacement cost of your home in the 43521 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 43521

Beaverson Lowell Insurance

Address: 114 West Main Fayette, OH 43521
Phone: (419)237-2036
Website:

Best Home & Auto Insurance Agencies in 43521

Housing Demographics for 43521

Population Review for 43521 Zip Code

For the city of Fayette, the population within 43521 has increased to over 1,819 residents in population size. The current population total is 2,693. We have broken down the population based on race below. In 43521, there are over 1412 in male population and 1281 females.

PopulationValues
Total Population2,693
White Population2405
Black Population12
Hispanic Population245
Asian Population13
Hawaiian Population0
Indian Population15
Other Population117
Male Population1412
Female Population1281
Population Estimate1819

Household Data for 43521

The average number of homes in 43521 is around 1,117, there are an average of 2.40 per household. The average house value according to local real estate values is around $107,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,117
Persons Per Household2.40
Average House Value$107,800
Income Per Household$49475
Median Age41.3
Median Age Male41.5
Median Age Female41.1
43521 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code419/567
CityFayette
City Alias NameFAYETTE
CountyFulton
County FIPS051
State FIPS39
Time Zone5
Day Light SavingY
MSA8400
PMSA
CSA
CBSA45780
CBSA_DIV
CBSA_TypeMetro
CBSA_NameToledo, OH
MSA_NameToledo, OH MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses33
Number Of Employees589
Business First Quarter Payroll7638
Business Annual Payroll27426
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population651429
CBSA Division Population0
Congressional District09
Congressional LandArea464.65
Delivery Residential758
Delivery Business28
Delivery Total1224
Preferred Last Line KeyX20999
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX20999
Land Area66.314000
Water Area0.333000
City Alias Code
City Mixed CaseFayette
City Alias Mixed CaseFayette
Box Count405
SFDU711
MFDU0
State ANSI39
County ANSI051
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number382667
Unique ZIP Name
SSA State County Code36260
Medicare CBSA Code45780
Medicare CBSA NameToledo, OH
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseFulton

Ohio Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]