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45064 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 45064? There are over 1,130 occupied homes in the 45064 area. With a population size of 3,112, it's not uncommon for residence of Somerville, OH to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Ohio is around $619 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 45064 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Somerville, OH Home Insurance Rate Quotes

45064 Home Insurance Average Premiums

Local 45064 homeowners insurance quotes comparison

$369 /yr.

Shows Zip Code: 45064 lowest rates with discounts applied on average.

For the 45064, 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)		$369 /yr.
Average Coverage:$619 /yr.
2600 sq. ft. or higher
(all discounts applied)		$919 /yr.

What is the average home insurance cost for a home in 45064?

  • • The average homeowners insurance premium paid annually for a home in 45064 is around $619 per year.

What does it cost on average per month for home insurance in 45064?

  • • Homeowners in 45064 pay a monthly average cost per month around $52.00.

What kind of discount could I get if I combine my home and auto insurance together in 45064?

  • • Autoowners in 45064 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 Somerville area, check out other zip codes nearby 45064.
Review average rates in another zip code:
45064 homeowners insurance rates

Home Replacement Cost Coverage in 45064

Average Building Cost Per Square Foot in 45064: $111

Location: Somerville, Ohio (Butler County)

Average Square Footage in 45064: 1,650 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45064 before you start any project. Somerville 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 45064 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 45064 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,650 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 Somerville 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$1111,650$183,200
Additional Upgrades & Added Features$1391,650$229,000
Major Home Updates or Advancements$1671,650$274,800

It's important to understand that when you estimate your replacement cost of your home in the 45064 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 45064

Best Home & Auto Insurance Agencies in 45064

Housing Demographics for 45064

Population Review for 45064 Zip Code

For the city of Somerville, the population within 45064 has increased to over 2,811 residents in population size. The current population total is 3,112. We have broken down the population based on race below. In 45064, there are over 1560 in male population and 1552 females.

PopulationValues
Total Population3,112
White Population2952
Black Population10
Hispanic Population23
Asian Population8
Hawaiian Population0
Indian Population6
Other Population23
Male Population1560
Female Population1552
Population Estimate2811

Household Data for 45064

The average number of homes in 45064 is around 1,130, there are an average of 2.68 per household. The average house value according to local real estate values is around $183,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,130
Persons Per Household2.68
Average House Value$183,200
Income Per Household$87587
Median Age46.5
Median Age Male45.5
Median Age Female47.9
45064 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code513/937
CitySomerville
City Alias NameSOMERVILLE
CountyButler
County FIPS017
State FIPS39
Time Zone5
Day Light SavingY
MSA1642
PMSA3200
CSA178
CBSA17140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCincinnati, OH-KY-IN
MSA_NameCincinnati-Hamilton, OH-KY-IN CMSA
PMSA_NameHamilton-Middletown, OH PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses22
Number Of Employees244
Business First Quarter Payroll1838
Business Annual Payroll9079
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2130151
CBSA Division Population0
Congressional District08
Congressional LandArea2450.49
Delivery Residential1049
Delivery Business7
Delivery Total1123
Preferred Last Line KeyX22834
Classification Code
Multi-CountyY
CSA NameCincinnati-Wilmington, OH-KY-IN
CBSA_DIV_Name
City State KeyX22834
Land Area32.103000
Water Area0.226000
City Alias Code
City Mixed CaseSomerville
City Alias Mixed CaseSomerville
Box Count61
SFDU1049
MFDU0
State ANSI39
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number387735
Unique ZIP Name
SSA State County Code36080
Medicare CBSA Code17140
Medicare CBSA NameCincinnati, OH-KY-IN
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseButler

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 […]