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Homeowners Insurance in 45237

For homeowners living in 45237, you want more affordable home insurance rates in Cincinnati, right? Our rates are very competitive for homeowners living in the great city of Cincinnati, OH. Many homeowners living in the 45237 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. 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 which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 45237 should appear in the zip code field ready to go. Comparing Cincinnati, OH Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

45237 Home Insurance Costs Are Considered: Very Low!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Cincinnati pay around $645 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Ohio home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 45237 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Cincinnati homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Ohio home insurance premium today!

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45237 Home Insurance Average Premiums

Local 45237 homeowners insurance quotes comparison

$395 /yr.

Shows Zip Code: 45237 lowest rates with discounts applied on average.

For the 45237, 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)
$395 /yr.
Average Coverage:$645 /yr.
2600 sq. ft. or higher
(all discounts applied)
$945 /yr.

What is the average home insurance cost for a home in 45237?

  • • The average homeowners insurance premium paid annually for a home in 45237 is around $645 per year.

What does it cost on average per month for home insurance in 45237?

  • • Homeowners in 45237 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 45237?

  • • Autoowners in 45237 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 45237.
Review average rates in another zip code:
45246 homeowners insurance rates
45240 homeowners insurance rates
45225 homeowners insurance rates
45203 homeowners insurance rates
45215 homeowners insurance rates
45217 homeowners insurance rates
45249 homeowners insurance rates
45219 homeowners insurance rates
45213 homeowners insurance rates
45202 homeowners insurance rates

Home Replacement Cost Coverage in 45237

Average Building Cost Per Square Foot in 45237: $111

Location: Cincinnati, Ohio (Hamilton County)

Average Square Footage in 45237: 1,076 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45237 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 45237 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 45237 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,076 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$1111,076$119,400
Additional Upgrades & Added Features$1391,076$149,250
Major Home Updates or Advancements$1671,076$179,100

It's important to understand that when you estimate your replacement cost of your home in the 45237 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 45237

Best Home & Auto Insurance Agencies in 45237

Dwight L Moody Ins Agy Inc - State Farm Insurance Agent

Address: 7505 Reading Rd, #101 Cincinnati, OH 45237
Phone:
Website:
Info:

ACE Cash Express

Address: 7990 Reading Rd Cincinnati, OH 45237
Phone:
Website: http://www.acecashexpress.com/
Info:

A-1 General Insurance

Address: 7617 Reading Rd Cincinnati, OH 45237
Phone:
Website: http://www.thegeneral.com
Info:

Housing Demographics for 45237

Population Review for 45237 Zip Code

For the city of Cincinnati, the population within 45237 has increased to over 21,517 residents in population size. The current population total is 21,029. We have broken down the population based on race below. In 45237, there are over 9688 in male population and 11341 females.

PopulationValues
Total Population21,029
White Population4829
Black Population14655
Hispanic Population535
Asian Population234
Hawaiian Population18
Indian Population45
Other Population301
Male Population9688
Female Population11341
Population Estimate21517

Household Data for 45237

The average number of homes in 45237 is around 9,525, there are an average of 2.15 per household. The average house value according to local real estate values is around $119,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,525
Persons Per Household2.15
Average House Value$119,400
Income Per Household$41784
Median Age41.1
Median Age Male38.1
Median Age Female43.9
45237 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 Businesses398
Number Of Employees36274
Business First Quarter Payroll333995
Business Annual Payroll1320104
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 Residential10008
Delivery Business583
Delivery Total10801
Preferred Last Line KeyX20549
Classification Code
Multi-County
CSA NameCincinnati-Wilmington, OH-KY-IN
CBSA_DIV_Name
City State KeyX20549
Land Area6.075000
Water Area0.003000
City Alias Code
City Mixed CaseCincinnati
City Alias Mixed CaseCincinnati
Box Count0
SFDU6126
MFDU3631
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

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 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 […]