Get multiple home insurance quotes in 43725. Our licensed 43725, OH agents are ready to serve you.

Compare 43725 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 43725 area? The average homeowners premium in Ohio for a standard homeowners policy is around $623/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 43725 zip code, the population size is around 19,520 with 8,420 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 43725.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Cambridge, OH Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. OH RateDiscountsSavingsShop Rates
$871up to 40% off$348

43725 Home Insurance Average Premiums

Local 43725 homeowners insurance quotes comparison

$373 /yr.

Shows Zip Code: 43725 lowest rates with discounts applied on average.

For the 43725, 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)
$373 /yr.
Average Coverage:$623 /yr.
2600 sq. ft. or higher
(all discounts applied)
$923 /yr.

What is the average home insurance cost for a home in 43725?

  • • The average homeowners insurance premium paid annually for a home in 43725 is around $623 per year.

What does it cost on average per month for home insurance in 43725?

  • • Homeowners in 43725 pay a monthly average cost per month around $52.00.

What kind of discount could I get if I combine my home and auto insurance together in 43725?

  • • Autoowners in 43725 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 Cambridge area, check out other zip codes nearby 43725.
Review average rates in another zip code:
43725 homeowners insurance rates

Home Replacement Cost Coverage in 43725

Average Building Cost Per Square Foot in 43725: $111

Location: Cambridge, Ohio (Guernsey County)

Average Square Footage in 43725: 1,187 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 43725 before you start any project. Cambridge 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 43725 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 43725 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,187 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 Cambridge 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$1111,187$131,800
Additional Upgrades & Added Features$1391,187$164,750
Major Home Updates or Advancements$1671,187$197,700

It's important to understand that when you estimate your replacement cost of your home in the 43725 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 43725

Gildea Joseph V Insurance Ceba-Lutcf-Rfp

Address: 219 N 11th Street Cambridge, OH 43725
Phone: (740)432-5428
Website:

Charles A. Atchison Jr. Agency

Address: 511 Wheeling Ave Cambridge, OH 43725
Phone: (740)432-6660
Website:

Best Home & Auto Insurance Agencies in 43725

Guthrie Insurance Agency Inc - State Farm Insurance Agent

Address: 320 S 11th St Cambridge, OH 43725
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Allstate Insurance

Address: 1203 Steubenville Avenue Cambridge, OH 43725
Phone:
Website: http://www.allstate.com/
Info:

Cambridge Ins Group Llc - Nationwide Insurance

Address: 1983 East Wheeling Avenue Cambridge, OH 43725
Phone:
Website: http://www.nationwide.com/agent/Cambridge-OHIO-insurance-agent/cambridgeinsurancegroup/office.html
Info:

Gildea Joseph V Insurance Ceba-Lutcf-Rfp

Address: 219 N 11th St Cambridge, OH 43725
Phone:
Website:
Info:

Brill- Larry R

Address: 625 Steubenville Ave Cambridge, OH 43725
Phone:
Website:
Info:

Housing Demographics for 43725

Population Review for 43725 Zip Code

For the city of Cambridge, the population within 43725 has increased to over 20,269 residents in population size. The current population total is 19,520. We have broken down the population based on race below. In 43725, there are over 9473 in male population and 10047 females.

PopulationValues
Total Population19,520
White Population17916
Black Population445
Hispanic Population254
Asian Population110
Hawaiian Population7
Indian Population61
Other Population103
Male Population9473
Female Population10047
Population Estimate20269

Household Data for 43725

The average number of homes in 43725 is around 8,420, there are an average of 2.26 per household. The average house value according to local real estate values is around $131,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,420
Persons Per Household2.26
Average House Value$131,800
Income Per Household$47257
Median Age43.1
Median Age Male41.6
Median Age Female45.1
43725 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code740/220
CityCambridge
City Alias NameCAMBRIDGE
CountyGuernsey
County FIPS059
State FIPS39
Time Zone5
Day Light SavingY
MSA
PMSA
CSA198
CBSA15740
CBSA_DIV
CBSA_TypeMicro
CBSA_NameCambridge, OH
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses594
Number Of Employees10051
Business First Quarter Payroll94431
Business Annual Payroll408490
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population40087
CBSA Division Population0
Congressional District12
Congressional LandArea2271.91
Delivery Residential8969
Delivery Business773
Delivery Total10037
Preferred Last Line KeyX20425
Classification Code
Multi-County
CSA NameColumbus-Marion-Zanesville, OH
CBSA_DIV_Name
City State KeyX20425
Land Area124.168000
Water Area1.409000
City Alias Code
City Mixed CaseCambridge
City Alias Mixed CaseCambridge
Box Count146
SFDU8124
MFDU526
State ANSI39
County ANSI059
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number381253
Unique ZIP Name
SSA State County Code36300
Medicare CBSA Code99936
Medicare CBSA NameRural Areas in OH
Medicare CBSA TypeMicro
Market Rating Area ID16
County Mixed CaseGuernsey

Ohio Homeowners Insurance News & Information

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]