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45217 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 45217 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 Cincinnati, OH quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 45217.

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 45217 and start shopping.

Quickly and Easily Compare Average Rates for 45217

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

Average Policy Rates in 45217

Homeowners in Cincinnati are paying roughly $663 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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45217 Home Insurance Average Premiums

Local 45217 homeowners insurance quotes comparison

$413 /yr.

Shows Zip Code: 45217 lowest rates with discounts applied on average.

For the 45217, 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)		$413 /yr.
Average Coverage:$663 /yr.
2600 sq. ft. or higher
(all discounts applied)		$963 /yr.

What is the average home insurance cost for a home in 45217?

  • • The average homeowners insurance premium paid annually for a home in 45217 is around $663 per year.

What does it cost on average per month for home insurance in 45217?

  • • Homeowners in 45217 pay a monthly average cost per month around $55.00.

What kind of discount could I get if I combine my home and auto insurance together in 45217?

  • • Autoowners in 45217 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 Cincinnati area, check out other zip codes nearby 45217.
Review average rates in another zip code:
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45241 homeowners insurance rates
45214 homeowners insurance rates
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45249 homeowners insurance rates
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45243 homeowners insurance rates
45246 homeowners insurance rates
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45237 homeowners insurance rates

Home Replacement Cost Coverage in 45217

Average Building Cost Per Square Foot in 45217: $111

Location: Cincinnati, Ohio (Hamilton County)

Average Square Footage in 45217: 1,105 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45217 before you start any project. Cincinnati 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 45217 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 45217 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,105 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 Cincinnati 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$1111,105$122,600
Additional Upgrades & Added Features$1391,105$153,250
Major Home Updates or Advancements$1671,105$183,900

It's important to understand that when you estimate your replacement cost of your home in the 45217 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 45217

Best Home & Auto Insurance Agencies in 45217

Cincinnati Agency

Address: 4429 Vine St Cincinnati, OH 45217
Phone:
Website:
Info:

ACE Cash Express

Address: 4981 Vine St Cincinnati, OH 45217
Phone:
Website: http://www.acecashexpress.com/
Info:

Housing Demographics for 45217

Population Review for 45217 Zip Code

For the city of Cincinnati, the population within 45217 has increased to over 6,245 residents in population size. The current population total is 6,177. We have broken down the population based on race below. In 45217, there are over 2942 in male population and 3235 females.

PopulationValues
Total Population6,177
White Population3129
Black Population2504
Hispanic Population132
Asian Population78
Hawaiian Population4
Indian Population18
Other Population67
Male Population2942
Female Population3235
Population Estimate6245

Household Data for 45217

The average number of homes in 45217 is around 2,908, there are an average of 2.12 per household. The average house value according to local real estate values is around $122,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,908
Persons Per Household2.12
Average House Value$122,600
Income Per Household$55000
Median Age39.1
Median Age Male37.0
Median Age Female40.4
45217 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code513
CityCincinnati
City Alias NameCINCINNATI
CountyHamilton
County FIPS061
State FIPS39
Time Zone5
Day Light SavingY
MSA1642
PMSA1640
CSA178
CBSA17140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCincinnati, OH-KY-IN
MSA_NameCincinnati-Hamilton, OH-KY-IN CMSA
PMSA_NameCincinnati, OH-KY-IN PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses135
Number Of Employees3192
Business First Quarter Payroll44353
Business Annual Payroll182223
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 District01
Congressional LandArea686.96
Delivery Residential2946
Delivery Business153
Delivery Total3309
Preferred Last Line KeyX20549
Classification Code
Multi-County
CSA NameCincinnati-Wilmington, OH-KY-IN
CBSA_DIV_Name
City State KeyX20549
Land Area2.153000
Water Area0.013000
City Alias Code
City Mixed CaseCincinnati
City Alias Mixed CaseCincinnati
Box Count90
SFDU2239
MFDU644
State ANSI39
County ANSI061
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number381603
Unique ZIP Name
SSA State County Code36310
Medicare CBSA Code17140
Medicare CBSA NameCincinnati, OH-KY-IN
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseHamilton

Ohio Homeowners Insurance News & Information

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    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]