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44870 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 44870 zip code it's important to know that our rates are very competitive for homeowners living in Sandusky, OH. Many homeowners based out of your 44870 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Ohio licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 44870 should appear in the zip code field ready to go. For Sandusky, OH Homeowners Insurance Quotes nearby, we offer the best rates and service.

44870: Average Home Insurance Rates

For homeowners living in the great city of Sandusky, the average homeowners policy is considered very low in comparison to other states. Ohio premiums are estimated to be around $639 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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44870 Home Insurance Average Premiums

Local 44870 homeowners insurance quotes comparison

$389 /yr.

Shows Zip Code: 44870 lowest rates with discounts applied on average.

For the 44870, 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)		$389 /yr.
Average Coverage:$639 /yr.
2600 sq. ft. or higher
(all discounts applied)		$939 /yr.

What is the average home insurance cost for a home in 44870?

  • • The average homeowners insurance premium paid annually for a home in 44870 is around $639 per year.

What does it cost on average per month for home insurance in 44870?

  • • Homeowners in 44870 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 44870?

  • • Autoowners in 44870 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 Sandusky area, check out other zip codes nearby 44870.
Review average rates in another zip code:
44870 homeowners insurance rates

Home Replacement Cost Coverage in 44870

Average Building Cost Per Square Foot in 44870: $111

Location: Sandusky, Ohio (Erie County)

Average Square Footage in 44870: 1,065 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 44870 before you start any project. Sandusky 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 44870 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 44870 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,065 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 Sandusky 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$1111,065$118,200
Additional Upgrades & Added Features$1391,065$147,750
Major Home Updates or Advancements$1671,065$177,300

It's important to understand that when you estimate your replacement cost of your home in the 44870 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 44870

Best Home & Auto Insurance Agencies in 44870

Walter E Matthews & Assocs Incorporated

Address: 1327 5th St Sandusky, OH 44870
Phone:
Website: http://www.walterematthews.net/?utm_source=yp&utm_medium=cpc&utm_campaign=ck_yp
Info:

Housing Demographics for 44870

Population Review for 44870 Zip Code

For the city of Sandusky, the population within 44870 has increased to over 41,310 residents in population size. The current population total is 40,416. We have broken down the population based on race below. In 44870, there are over 19788 in male population and 20628 females.

PopulationValues
Total Population40,416
White Population29321
Black Population6623
Hispanic Population1988
Asian Population326
Hawaiian Population4
Indian Population129
Other Population597
Male Population19788
Female Population20628
Population Estimate41310

Household Data for 44870

The average number of homes in 44870 is around 17,312, there are an average of 2.24 per household. The average house value according to local real estate values is around $118,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,312
Persons Per Household2.24
Average House Value$118,200
Income Per Household$49939
Median Age42.9
Median Age Male41.7
Median Age Female44.1
44870 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code419/567
CitySandusky
City Alias NameSANDUSKY
CountyErie
County FIPS043
State FIPS39
Time Zone5
Day Light SavingY
MSA
PMSA
CSA184
CBSA41780
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSandusky, OH
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1101
Number Of Employees23919
Business First Quarter Payroll225374
Business Annual Payroll1034109
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population77079
CBSA Division Population0
Congressional District09
Congressional LandArea464.65
Delivery Residential18442
Delivery Business1444
Delivery Total19812
Preferred Last Line KeyX22734
Classification Code
Multi-County
CSA NameCleveland-Akron-Canton, OH
CBSA_DIV_Name
City State KeyX22734
Land Area60.746000
Water Area23.001000
City Alias Code
City Mixed CaseSandusky
City Alias Mixed CaseSandusky
Box Count0
SFDU14097
MFDU2587
State ANSI39
County ANSI043
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number387413
Unique ZIP Name
SSA State County Code36220
Medicare CBSA Code99936
Medicare CBSA NameRural Areas in OH
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseErie

Ohio Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    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 […]