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43845 Homeowners Insurance Quotes & Rates
West Lafayette residents living within the 1,885 homes available in the zip code of 43845 are shopping online to compare cheaper and more affordable West Lafayette, OH home insurance rates. In the great city of West Lafayette, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Ohio is around $649 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 43845 zip code.
With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.
Let us help you shop and compare your 43845 home insurance rates today! Please give us a call now at 1-855-976-2656. For West Lafayette, OH Homeowners Insurance Quotes, Click to easily get started!
43845 Home Insurance Average Premiums
$399 /yr.
Shows Zip Code: 43845 lowest rates with discounts applied on average.
For the 43845, 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) | $399 /yr. |
| Average Coverage: | $649 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $949 /yr. |
What is the average home insurance cost for a home in 43845?
- • The average homeowners insurance premium paid annually for a home in 43845 is around $649 per year.
What does it cost on average per month for home insurance in 43845?
- • Homeowners in 43845 pay a monthly average cost per month around $54.00.
What kind of discount could I get if I combine my home and auto insurance together in 43845?
- • Autoowners in 43845 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 West Lafayette area, check out other zip codes nearby 43845.
Review average rates in another zip code:
43845 homeowners insurance rates
Home Replacement Cost Coverage in 43845
Average Building Cost Per Square Foot in 43845: $111
Location: West Lafayette, Ohio (Coshocton County)Average Square Footage in 43845: 866 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 43845 before you start any project. West Lafayette 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 43845 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 43845 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 866 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 West Lafayette 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $111 | 866 | $96,100 |
| Additional Upgrades & Added Features | $139 | 866 | $120,125 |
| Major Home Updates or Advancements | $167 | 866 | $144,150 |
It's important to understand that when you estimate your replacement cost of your home in the 43845 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 43845
Best Home & Auto Insurance Agencies in 43845
Housing Demographics for 43845
Population Review for 43845 Zip Code
For the city of West Lafayette, the population within 43845 has increased to over 4,952 residents in population size. The current population total is 4,803. We have broken down the population based on race below. In 43845, there are over 2353 in male population and 2450 females.
| Population | Values |
|---|---|
| Total Population | 4,803 |
| White Population | 4651 |
| Black Population | 19 |
| Hispanic Population | 36 |
| Asian Population | 0 |
| Hawaiian Population | 1 |
| Indian Population | 9 |
| Other Population | 8 |
| Male Population | 2353 |
| Female Population | 2450 |
| Population Estimate | 4952 |
Household Data for 43845
The average number of homes in 43845 is around 1,885, there are an average of 2.48 per household. The average house value according to local real estate values is around $96,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,885 |
| Persons Per Household | 2.48 |
| Average House Value | $96,100 |
| Income Per Household | $48007 |
| Median Age | 43.7 |
| Median Age Male | 42.6 |
| Median Age Female | 44.7 |
| 43845 Details | Values |
|---|---|
| State | OH |
| State Full Name | Ohio |
| City Type | P |
| City Alias Abbreviation | W LAFAYETTE |
| Area Code | 740/220 |
| City | West Lafayette |
| City Alias Name | WEST LAFAYETTE |
| County | Coshocton |
| County FIPS | 031 |
| State FIPS | 39 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 184 |
| CBSA | 18740 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Coshocton, OH |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 59 |
| Number Of Employees | 552 |
| Business First Quarter Payroll | 4716 |
| Business Annual Payroll | 20251 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 36901 |
| CBSA Division Population | 0 |
| Congressional District | 12 |
| Congressional LandArea | 2271.91 |
| Delivery Residential | 1997 |
| Delivery Business | 64 |
| Delivery Total | 2167 |
| Preferred Last Line Key | X23316 |
| Classification Code | |
| Multi-County | |
| CSA Name | Cleveland-Akron-Canton, OH |
| CBSA_DIV_Name | |
| City State Key | X23316 |
| Land Area | 28.357000 |
| Water Area | 0.324000 |
| City Alias Code | |
| City Mixed Case | West Lafayette |
| City Alias Mixed Case | West Lafayette |
| Box Count | 51 |
| SFDU | 1805 |
| MFDU | 11 |
| State ANSI | 39 |
| County ANSI | 031 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | C |
| Finance Number | 388848 |
| Unique ZIP Name | |
| SSA State County Code | 36150 |
| Medicare CBSA Code | 99936 |
| Medicare CBSA Name | Rural Areas in OH |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 16 |
| County Mixed Case | Coshocton |
Ohio Homeowners Insurance News & Information
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Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
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Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]
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Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024
One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]