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44512 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 44512 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Youngstown, OH quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 44512.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 44512 and start shopping.

Quickly and Easily Compare Average Rates for 44512

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

Average Policy Rates in 44512

Homeowners in Youngstown are paying roughly $677 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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44512 Home Insurance Average Premiums

Local 44512 homeowners insurance quotes comparison

$427 /yr.

Shows Zip Code: 44512 lowest rates with discounts applied on average.

For the 44512, 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)
$427 /yr.
Average Coverage:$677 /yr.
2600 sq. ft. or higher
(all discounts applied)
$977 /yr.

What is the average home insurance cost for a home in 44512?

  • • The average homeowners insurance premium paid annually for a home in 44512 is around $677 per year.

What does it cost on average per month for home insurance in 44512?

  • • Homeowners in 44512 pay a monthly average cost per month around $56.00.

What kind of discount could I get if I combine my home and auto insurance together in 44512?

  • • Autoowners in 44512 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 Youngstown area, check out other zip codes nearby 44512.
Review average rates in another zip code:
44505 homeowners insurance rates
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44510 homeowners insurance rates
44504 homeowners insurance rates
44509 homeowners insurance rates
44507 homeowners insurance rates
44511 homeowners insurance rates
44503 homeowners insurance rates
44506 homeowners insurance rates
44515 homeowners insurance rates

Home Replacement Cost Coverage in 44512

Average Building Cost Per Square Foot in 44512: $111

Location: Youngstown, Ohio (Mahoning County)

Average Square Footage in 44512: 1,128 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 44512 before you start any project. Youngstown 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 44512 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 44512 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,128 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 Youngstown 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$1111,128$125,200
Additional Upgrades & Added Features$1391,128$156,500
Major Home Updates or Advancements$1671,128$187,800

It's important to understand that when you estimate your replacement cost of your home in the 44512 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 44512

All Drivers Insurance Agency

Address: 4065 Hillman Way Youngstown, OH 44512
Phone: (330)788-7283
Website:

Allstate Insurance-William E Patch

Address: 8162 Market St Youngstown, OH 44512
Phone: (330)726-0504
Website: agent.allstate.com/62657

Best Home & Auto Insurance Agencies in 44512

Charlton Mayle-Farmers Insurance District Manager

Address: 945 Windham Court #2 Youngstown, OH 44512
Phone:
Website:
Info:

Cailor Fleming & Associates

Address: 4610 Market Street Youngstown, OH 44512
Phone:
Website: http://www.cailorfleming.com/
Info:

Allstate Insurance-William E Patch

Address: 8162 Market St Youngstown, OH 44512
Phone:
Website: http://www.agent.allstate.com/62657
Info:

American Family Insurance

Address: 374 Boardman Poland Rd Youngstown, OH 44512
Phone:
Website:
Info:

Par Insurance Agency Incorporated

Address: 8255 South Avenue Youngstown, OH 44512
Phone:
Website:
Info:

Housing Demographics for 44512

Population Review for 44512 Zip Code

For the city of Youngstown, the population within 44512 has increased to over 33,793 residents in population size. The current population total is 33,282. We have broken down the population based on race below. In 44512, there are over 15913 in male population and 17369 females.

PopulationValues
Total Population33,282
White Population26848
Black Population3287
Hispanic Population1679
Asian Population636
Hawaiian Population9
Indian Population67
Other Population454
Male Population15913
Female Population17369
Population Estimate33793

Household Data for 44512

The average number of homes in 44512 is around 15,119, there are an average of 2.17 per household. The average house value according to local real estate values is around $125,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,119
Persons Per Household2.17
Average House Value$125,200
Income Per Household$58344
Median Age44.0
Median Age Male42.0
Median Age Female46.0
44512 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code330
CityYoungstown
City Alias NameYOUNGSTOWN
CountyMahoning
County FIPS099
State FIPS39
Time Zone5
Day Light SavingY
MSA9320
PMSA
CSA566
CBSA49660
CBSA_DIV
CBSA_TypeMetro
CBSA_NameYoungstown-Warren, OH
MSA_NameYoungstown-Warren, OH MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1354
Number Of Employees22267
Business First Quarter Payroll213045
Business Annual Payroll930580
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population565773
CBSA Division Population0
Congressional District06
Congressional LandArea7215.03
Delivery Residential15573
Delivery Business1790
Delivery Total17201
Preferred Last Line KeyX23460
Classification Code
Multi-County
CSA NameYoungstown-Warren-Salem, OH
CBSA_DIV_Name
City State KeyX23460
Land Area17.015000
Water Area0.160000
City Alias Code
City Mixed CaseYoungstown
City Alias Mixed CaseYoungstown
Box Count0
SFDU11669
MFDU2407
State ANSI39
County ANSI099
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number389219
Unique ZIP Name
SSA State County Code36510
Medicare CBSA Code49660
Medicare CBSA NameYoungstown-Warren-Boardman, OH-PA
Medicare CBSA TypeMetro
Market Rating Area ID13
County Mixed CaseMahoning

Ohio Homeowners Insurance News & Information

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    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]