Get multiple home insurance quotes in 45240. Our licensed 45240, OH agents are ready to serve you.

45240 Home Insurance Rates

For homeowners living in 45240, the population estimates are increasing to well over 28,820 with 10,633 occupied homes within the zip code of 45240. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Cincinnati have increased and the average home insurance premium is around $645 per year in 45240. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 45240 zip code today so we can help you find affordable Cincinnati, OH home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 45240

Please select one of the three options below based on your 45240 zip code to learn more about Ohio homeowners insurance, plus review average rates and information per state, county or city.

  1. Ohio Homeowners Insurance Quotes
  2. Hamilton County, OH Home Insurance
  3. Cincinnati, OH Home Insurance Quotes

45240 Average Home Insurance Rating Cost is: Very Low!

Getting cheaper homeowners insurance in the 45240 zip code just got easier with GetHomeInsuranceQuotes.com of Cincinnati, OH. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 45240 today and let us help you review the best home insurance quotes available for homeowners living in Cincinnati.

Get 45240 Homeowners Insurance Rates Now!

45240 Home Insurance Average Premiums

Local 45240 homeowners insurance quotes comparison

$395 /yr.

Shows Zip Code: 45240 lowest rates with discounts applied on average.

For the 45240, 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 45240?

  • • The average homeowners insurance premium paid annually for a home in 45240 is around $645 per year.

What does it cost on average per month for home insurance in 45240?

  • • Homeowners in 45240 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 45240?

  • • Autoowners in 45240 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 45240.
Review average rates in another zip code:
45231 homeowners insurance rates
45216 homeowners insurance rates
45251 homeowners insurance rates
45219 homeowners insurance rates
45224 homeowners insurance rates
45214 homeowners insurance rates
45206 homeowners insurance rates
45208 homeowners insurance rates
45218 homeowners insurance rates
45246 homeowners insurance rates

Home Replacement Cost Coverage in 45240

Average Building Cost Per Square Foot in 45240: $111

Location: Cincinnati, Ohio (Hamilton County)

Average Square Footage in 45240: 1,228 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45240 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 45240 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 45240 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,228 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$1111,228$136,300
Additional Upgrades & Added Features$1391,228$170,375
Major Home Updates or Advancements$1671,228$204,450

It's important to understand that when you estimate your replacement cost of your home in the 45240 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 45240

Best Home & Auto Insurance Agencies in 45240

Smith, Dennis - Allstate Insurance Company

Address: 1130 W Kemper Rd Cincinnati, OH 45240
Phone:
Website: http://www.allstate.com/
Info:

Allstate Insurance Company - Dennis Smith

Address: 1116 Kemper Meadow Dr Cincinnati, OH 45240
Phone:
Website: http://www.allstateagencies.com/028730?cid=OTC-YP.com-IYP&att=TL
Info:

Alvin J Betts Ins Agency Inc

Address: 1375 Kemper Meadow Dr Cincinnati, OH 45240
Phone:
Website:
Info:

Smith, Jesse - Jesse L Smith Agency Incorporated

Address: 11340 Kenn Rd Cincinnati, OH 45240
Phone:
Website: http://www.allstateagencies.com/JesseSmith/Welcome/
Info:

Acceptance Insurance

Address: 2163 Sevenhills Dr Cincinnati, OH 45240
Phone:
Website:
Info:

Housing Demographics for 45240

Population Review for 45240 Zip Code

For the city of Cincinnati, the population within 45240 has increased to over 29,616 residents in population size. The current population total is 28,820. We have broken down the population based on race below. In 45240, there are over 13682 in male population and 15138 females.

PopulationValues
Total Population28,820
White Population7124
Black Population15760
Hispanic Population3047
Asian Population1673
Hawaiian Population71
Indian Population157
Other Population1984
Male Population13682
Female Population15138
Population Estimate29616

Household Data for 45240

The average number of homes in 45240 is around 10,633, there are an average of 2.70 per household. The average house value according to local real estate values is around $136,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,633
Persons Per Household2.70
Average House Value$136,300
Income Per Household$62350
Median Age36.3
Median Age Male34.0
Median Age Female38.6
45240 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 Businesses411
Number Of Employees7934
Business First Quarter Payroll91445
Business Annual Payroll399944
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 Residential10969
Delivery Business470
Delivery Total12391
Preferred Last Line KeyX20549
Classification Code
Multi-County
CSA NameCincinnati-Wilmington, OH-KY-IN
CBSA_DIV_Name
City State KeyX20549
Land Area9.682000
Water Area0.127000
City Alias Code
City Mixed CaseCincinnati
City Alias Mixed CaseCincinnati
Box Count150
SFDU8455
MFDU2167
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

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    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 […]