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Home Insurance Quotes in 45132

Are you shopping for a cheaper homeowners insurance rate in 45132? Our rates are very competitive for homeowners living in Highland, OH. Many homeowners located in the 45132 zip code 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 online quoting process is free to use 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. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 45132. To get free 45132 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 45132 zip code should appear in the zip code field ready to go. Shopping Highland, OH Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 45132 to review the best rate coverages.

Your 45132 Home Insurance Costs Is Rated: Very Low!

For the great city of Highland, the average home insurance premium paid annually is around $673 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Ohio specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Highland and need insurance on your home in the 45132 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 45132 Homeowners Insurance Rates Now!

45132 Home Insurance Average Premiums

Local 45132 homeowners insurance quotes comparison

$423 /yr.

Shows Zip Code: 45132 lowest rates with discounts applied on average.

For the 45132, 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)
$423 /yr.
Average Coverage:$673 /yr.
2600 sq. ft. or higher
(all discounts applied)
$973 /yr.

What is the average home insurance cost for a home in 45132?

  • • The average homeowners insurance premium paid annually for a home in 45132 is around $673 per year.

What does it cost on average per month for home insurance in 45132?

  • • Homeowners in 45132 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 45132?

  • • Autoowners in 45132 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 Highland area, check out other zip codes nearby 45132.
Review average rates in another zip code:
45132 homeowners insurance rates

Home Replacement Cost Coverage in 45132

Average Building Cost Per Square Foot in 45132: $111

Location: Highland, Ohio (Highland County)

Average Square Footage in 45132: 748 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45132 before you start any project. Highland 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 45132 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 45132 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 748 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 Highland 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$111748$83,000
Additional Upgrades & Added Features$139748$103,750
Major Home Updates or Advancements$167748$124,500

It's important to understand that when you estimate your replacement cost of your home in the 45132 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 45132

Best Home & Auto Insurance Agencies in 45132

Housing Demographics for 45132

Population Review for 45132 Zip Code

For the city of Highland, the population within 45132 has increased to over 0 residents in population size. The current population total is 230. We have broken down the population based on race below. In 45132, there are over 102 in male population and 128 females.

PopulationValues
Total Population230
White Population219
Black Population1
Hispanic Population4
Asian Population0
Hawaiian Population0
Indian Population3
Other Population2
Male Population102
Female Population128
Population Estimate0

Household Data for 45132

The average number of homes in 45132 is around 81, there are an average of 2.84 per household. The average house value according to local real estate values is around $83,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode81
Persons Per Household2.84
Average House Value$83,000
Income Per Household$40000
Median Age34.5
Median Age Male31.5
Median Age Female35.5
45132 DetailsValues
StateOH
State Full NameOhio
City TypeZ
City Alias Abbreviation
Area Code937
CityHighland
City Alias NameHIGHLAND
CountyHighland
County FIPS071
State FIPS39
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
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 District02
Congressional LandArea3221.62
Delivery Residential0
Delivery Business0
Delivery Total113
Preferred Last Line KeyX21315
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX21315
Land Area0.152000
Water Area0.000000
City Alias Code
City Mixed CaseHighland
City Alias Mixed CaseHighland
Box Count108
SFDU0
MFDU0
State ANSI39
County ANSI071
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number383591
Unique ZIP Name
SSA State County Code36370
Medicare CBSA Code99936
Medicare CBSA NameRural Areas in OH
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseHighland

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 […]