45040 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 45040? Our rates are very competitive for homeowners living in Mason, OH. Many homeowners based out of your 45040 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 homeowners 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 45040 should appear in the zip code field ready to go. For Mason, OH Home Insurance Rate Quotes click to review the best rates and service online!

45040 Average Premium is Rated: Very Low!

Homeowners living in 45040 can easily save up to 40% off the average home insurance premium of $650 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Mason that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 45040 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 45040!

45040 Home Insurance Average Premiums

Local 45040 homeowners insurance quotes comparison

$400 /yr.

Shows Zip Code: 45040 lowest rates with discounts applied on average.

For the 45040, 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)	$400 /yr.
Average Coverage:	$650 /yr.
2600 sq. ft. or higher (all discounts applied)	$950 /yr.

What is the average home insurance cost for a home in 45040?

• The average homeowners insurance premium paid annually for a home in 45040 is around $650 per year.

What does it cost on average per month for home insurance in 45040?

• Homeowners in 45040 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 45040?

• Autoowners in 45040 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 Mason area, check out other zip codes nearby 45040.
Review average rates in another zip code:
45040 homeowners insurance rates

Home Replacement Cost Coverage in 45040

Average Building Cost Per Square Foot in 45040: $111

Location: Mason, Ohio (Warren County)

Average Square Footage in 45040: 2,889 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45040 before you start any project. Mason 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 45040 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 45040 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,889 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 Mason 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	2,889	$320,700
Additional Upgrades & Added Features	$139	2,889	$400,875
Major Home Updates or Advancements	$167	2,889	$481,050

Calculate Your Dwelling Coverage in 45040

It's important to understand that when you estimate your replacement cost of your home in the 45040 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 Home & Auto Insurance Agencies in 45040

Hutchins Jr- Russell H - State Farm Insurance Agent

Address: 113 W Main St Mason, OH 45040
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William O'Leary-Farmers Insurance

Address: 4680 Parkway Drive #100 Mason, OH 45040
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American Family Insurance Legal Division

Address: 5181 Natorp Blvd Mason, OH 45040
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Morgan Tolliver-Farmers Insurance

Address: 4690 Parkway Drive #100 Mason, OH 45040
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Allstate Insurance Companies

Address: 7577 Central Parke Blvd Mason, OH 45040
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Housing Demographics for 45040

Population Review for 45040 Zip Code

For the city of Mason, the population within 45040 has increased to over 60,951 residents in population size. The current population total is 57,153. We have broken down the population based on race below. In 45040, there are over 27941 in male population and 29212 females.

Population	Values
Total Population	57,153
White Population	37740
Black Population	2443
Hispanic Population	2342
Asian Population	12416
Hawaiian Population	107
Indian Population	108
Other Population	802
Male Population	27941
Female Population	29212
Population Estimate	60951

Household Data for 45040

The average number of homes in 45040 is around 20,459, there are an average of 2.78 per household. The average house value according to local real estate values is around $320,700. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	20,459
Persons Per Household	2.78
Average House Value	$320,700
Income Per Household	$117487
Median Age	39.7
Median Age Male	38.9
Median Age Female	40.4

45040 Details	Values
State	OH
State Full Name	Ohio
City Type	P
City Alias Abbreviation
Area Code	513
City	Mason
City Alias Name	MASON
County	Warren
County FIPS	165
State FIPS	39
Time Zone	5
Day Light Saving	Y
MSA	1642
PMSA	1640
CSA	178
CBSA	17140
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Cincinnati, OH-KY-IN
MSA_Name	Cincinnati-Hamilton, OH-KY-IN CMSA
PMSA_Name	Cincinnati, OH-KY-IN PMSA
Region	Midwest
Division	East North Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	1488
Number Of Employees	35285
Business First Quarter Payroll	669971
Business Annual Payroll	2623729
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	2130151
CBSA Division Population	0
Congressional District	01\|08
Congressional LandArea	686.96\|2450.49
Delivery Residential	21925
Delivery Business	1409
Delivery Total	25175
Preferred Last Line Key	X21785
Classification Code
Multi-County
CSA Name	Cincinnati-Wilmington, OH-KY-IN
CBSA_DIV_Name
City State Key	X21785
Land Area	28.453000
Water Area	0.047000
City Alias Code
City Mixed Case	Mason
City Alias Mixed Case	Mason
Box Count	242
SFDU	14035
MFDU	2959
State ANSI	39
County ANSI	165
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	384984
Unique ZIP Name
SSA State County Code	36840
Medicare CBSA Code	17140
Medicare CBSA Name	Cincinnati, OH-KY-IN
Medicare CBSA Type	Metro
Market Rating Area ID	4
County Mixed Case	Warren

Ohio Homeowners Insurance News & Information

$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 […]
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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 […]

Home Insurance Quotes in 45040!