Get multiple home insurance quotes in 44004. Our licensed 44004, OH agents are ready to serve you.

44004 Home Insurance Rates

For homeowners living in 44004, the population estimates are increasing to well over 31,661 with 13,591 occupied homes within the zip code of 44004. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Ashtabula have increased and the average home insurance premium is around $647 per year in 44004. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 44004 zip code today so we can help you find affordable Ashtabula, OH home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 44004

Please select one of the three options below based on your 44004 zip code to learn more about Ohio homeowners insurance, plus review average rates and information per state, county or city.

  1. Ohio Homeowners Insurance Quotes
  2. Ashtabula County, OH Home Insurance
  3. Ashtabula, OH Home Insurance Quotes

44004 Average Home Insurance Rating Cost is: Very Low!

Getting cheaper homeowners insurance in the 44004 zip code just got easier with GetHomeInsuranceQuotes.com of Ashtabula, OH. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 44004 today and let us help you review the best home insurance quotes available for homeowners living in Ashtabula.

Get 44004 Homeowners Insurance Rates Now!

44004 Home Insurance Average Premiums

Local 44004 homeowners insurance quotes comparison

$397 /yr.

Shows Zip Code: 44004 lowest rates with discounts applied on average.

For the 44004, 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)
$397 /yr.
Average Coverage:$647 /yr.
2600 sq. ft. or higher
(all discounts applied)
$947 /yr.

What is the average home insurance cost for a home in 44004?

  • • The average homeowners insurance premium paid annually for a home in 44004 is around $647 per year.

What does it cost on average per month for home insurance in 44004?

  • • Homeowners in 44004 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 44004?

  • • Autoowners in 44004 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 Ashtabula area, check out other zip codes nearby 44004.
Review average rates in another zip code:
44004 homeowners insurance rates

Home Replacement Cost Coverage in 44004

Average Building Cost Per Square Foot in 44004: $111

Location: Ashtabula, Ohio (Ashtabula County)

Average Square Footage in 44004: 863 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 44004 before you start any project. Ashtabula 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 44004 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 44004 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 863 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 Ashtabula 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$111863$95,800
Additional Upgrades & Added Features$139863$119,750
Major Home Updates or Advancements$167863$143,700

It's important to understand that when you estimate your replacement cost of your home in the 44004 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 44004

Allstate Insurance-David S Farina

Address: 4607 Main Ave Ashtabula, OH 44004
Phone: (440)993-0256
Website: agent.allstate.com/89818

Joseph A. St Angelo Agency

Address: 2318 Lake Ave Ashtabula, OH 44004
Phone: (440)998-0333
Website:

Best Home & Auto Insurance Agencies in 44004

Joseph A. St Angelo Agency

Address: 2318 Lake Ave Ashtabula, OH 44004
Phone:
Website:
Info:

Tom Timonere - State Farm Insurance

Address: 309 West Prospect Road Ashtabula, OH 44004
Phone:
Website: http://www.online2.statefarm.com/b2c/sf/agent/35/2638
Info:

Allstate Insurance Company - Kristen Daubenspeck

Address: 4605 Main Avenue Ashtabula, OH 44004
Phone:
Website: http://www.allstateagencies.com/041688?cid=OTC-YP.com-IYP&att=TL
Info:

Daniel R Sposito - Nationwide Insurance

Address: 2049 Lake Avenue Ashtabula, OH 44004
Phone:
Website: http://www.nationwide.com/agent/Ashtabula-OHIO-insurance-agent/spositoagency/office.html
Info:

Stouffer, George - Huntington Insurance Incorporated

Address: 4250 Lake Avenue Ashtabula, OH 44004
Phone:
Website: http://www.huntington.com/
Info:

Housing Demographics for 44004

Population Review for 44004 Zip Code

For the city of Ashtabula, the population within 44004 has increased to over 32,918 residents in population size. The current population total is 31,661. We have broken down the population based on race below. In 44004, there are over 15403 in male population and 16258 females.

PopulationValues
Total Population31,661
White Population25347
Black Population1918
Hispanic Population2843
Asian Population132
Hawaiian Population4
Indian Population102
Other Population1131
Male Population15403
Female Population16258
Population Estimate32918

Household Data for 44004

The average number of homes in 44004 is around 13,591, there are an average of 2.29 per household. The average house value according to local real estate values is around $95,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,591
Persons Per Household2.29
Average House Value$95,800
Income Per Household$43336
Median Age43.7
Median Age Male42.2
Median Age Female45.1
44004 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code440
CityAshtabula
City Alias NameASHTABULA
CountyAshtabula
County FIPS007
State FIPS39
Time Zone5
Day Light SavingY
MSA1692
PMSA1680
CSA184
CBSA17410
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCleveland, OH
MSA_NameCleveland-Akron, OH CMSA
PMSA_NameCleveland-Lorain-Elyria, OH PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses659
Number Of Employees10485
Business First Quarter Payroll117882
Business Annual Payroll504528
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District14
Congressional LandArea1953.14
Delivery Residential14375
Delivery Business905
Delivery Total15318
Preferred Last Line KeyX20110
Classification Code
Multi-County
CSA NameCleveland-Akron-Canton, OH
CBSA_DIV_Name
City State KeyX20110
Land Area74.067000
Water Area5.532000
City Alias Code
City Mixed CaseAshtabula
City Alias Mixed CaseAshtabula
Box Count0
SFDU12276
MFDU1061
State ANSI39
County ANSI007
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number380308
Unique ZIP Name
SSA State County Code36030
Medicare CBSA Code99936
Medicare CBSA NameRural Areas in OH
Medicare CBSA TypeMicro
Market Rating Area ID11
County Mixed CaseAshtabula

Ohio Homeowners Insurance News & Information

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  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]