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Searching for Homeowners Insurance in 44044

If you are a homeowners that lives in 44044 you may be searching for more affordable homeowners insurance in Grafton. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Grafton, OH. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Ohio licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 44044 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Grafton, OH home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 44044 Home Insurance Costs: very low!

In Grafton, homeowners are paying roughly $630 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 44044 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Grafton are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 44044 policy right now!

44044 Home Insurance Average Premiums

Local 44044 homeowners insurance quotes comparison

$380 /yr.

Shows Zip Code: 44044 lowest rates with discounts applied on average.

For the 44044, 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)
$380 /yr.
Average Coverage:$630 /yr.
2600 sq. ft. or higher
(all discounts applied)
$930 /yr.

What is the average home insurance cost for a home in 44044?

  • • The average homeowners insurance premium paid annually for a home in 44044 is around $630 per year.

What does it cost on average per month for home insurance in 44044?

  • • Homeowners in 44044 pay a monthly average cost per month around $53.00.

What kind of discount could I get if I combine my home and auto insurance together in 44044?

  • • Autoowners in 44044 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 Grafton area, check out other zip codes nearby 44044.
Review average rates in another zip code:
44044 homeowners insurance rates

Home Replacement Cost Coverage in 44044

Average Building Cost Per Square Foot in 44044: $111

Location: Grafton, Ohio (Lorain County)

Average Square Footage in 44044: 1,681 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 44044 before you start any project. Grafton 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 44044 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 44044 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,681 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 Grafton 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$1111,681$186,600
Additional Upgrades & Added Features$1391,681$233,250
Major Home Updates or Advancements$1671,681$279,900

It's important to understand that when you estimate your replacement cost of your home in the 44044 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 44044

Best Home & Auto Insurance Agencies in 44044

Mark W Cummings - Nationwide Insurance

Address: 990 Commerce Drive Grafton, OH 44044
Phone:
Website: http://www.nationwide.com/agent/Grafton-OHIO-insurance-agent/mark-cummings/office.html
Info:

Mark W. Cummings Agency

Address: 419 Main St Grafton, OH 44044
Phone:
Website:
Info:

Allstate Insurance Company - Tami Smith

Address: 927 Main Street Grafton, OH 44044
Phone:
Website: http://www.allstateagencies.com/043893?cid=OTC-YP.com-IYP&att=TL
Info:

Housing Demographics for 44044

Population Review for 44044 Zip Code

For the city of Grafton, the population within 44044 has increased to over 12,577 residents in population size. The current population total is 14,911. We have broken down the population based on race below. In 44044, there are over 9101 in male population and 5810 females.

PopulationValues
Total Population14,911
White Population12405
Black Population1604
Hispanic Population455
Asian Population54
Hawaiian Population3
Indian Population28
Other Population136
Male Population9101
Female Population5810
Population Estimate12577

Household Data for 44044

The average number of homes in 44044 is around 4,589, there are an average of 2.52 per household. The average house value according to local real estate values is around $186,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,589
Persons Per Household2.52
Average House Value$186,600
Income Per Household$77491
Median Age44.8
Median Age Male43.3
Median Age Female47.7
44044 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code440
CityGrafton
City Alias NameGRAFTON
CountyLorain
County FIPS093
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 Businesses216
Number Of Employees1807
Business First Quarter Payroll17478
Business Annual Payroll77465
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 District05
Congressional LandArea5626.47
Delivery Residential4991
Delivery Business189
Delivery Total6037
Preferred Last Line KeyX21168
Classification Code
Multi-County
CSA NameCleveland-Akron-Canton, OH
CBSA_DIV_Name
City State KeyX21168
Land Area54.127000
Water Area0.449000
City Alias Code
City Mixed CaseGrafton
City Alias Mixed CaseGrafton
Box Count37
SFDU4600
MFDU7
State ANSI39
County ANSI093
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number383171
Unique ZIP Name
SSA State County Code36480
Medicare CBSA Code17460
Medicare CBSA NameCleveland-Elyria, OH
Medicare CBSA TypeMetro
Market Rating Area ID11
County Mixed CaseLorain

Ohio Homeowners Insurance News & Information

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    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 […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]