Home Insurance in 45231

Our rates are very competitive for homeowners living in the 45231 zip code. Many homeowners based out of Cincinnati, OH 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 OH 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 45231 should appear in the zip code field ready to go.

45231 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Cincinnati area? The average homeowners premium in 45231 is very low in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 45231, you can expect to pay around $678 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

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Get Home Insurance Quotes in 45231

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Ohio. Start your 45231 home insurance shopping today!

1. Cincinnati, OH Home Insurance Quotes

Average Building Cost Per Square Foot in 45231: $111

Average Square Footage in 45231: 1,130 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45231 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 45231 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 45231 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,130 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.

It's important to understand that when you estimate your replacement cost of your home in the 45231 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.

Allstate Insurance Company - Michael Craddock

Craddock, Michael Joh - Allstate

Dino Costanzo - Nationwide Insurance

A-1 General Insurance

Brooks- Leroy - State Farm Insurance Agent

Household Data for 45231

The average number of homes in 45231 is around 16,667, there are an average of 2.47 per household. The average house value according to local real estate values is around $125,400. Please review the following demographics below for average income and media age.

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

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• 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 […]