45245 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 45245? There are over 8,824 occupied homes in the 45245 area. With a population size of 20,249, it's not uncommon for residence of Cincinnati, OH to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Ohio is around $645 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 45245 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Cincinnati, OH Home Insurance Rate Quotes

45245 Home Insurance Average Premiums

Local 45245 homeowners insurance quotes comparison

$395 /yr.

Shows Zip Code: 45245 lowest rates with discounts applied on average.

For the 45245, 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 45245?

• The average homeowners insurance premium paid annually for a home in 45245 is around $645 per year.

What does it cost on average per month for home insurance in 45245?

• Homeowners in 45245 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 45245?

• Autoowners in 45245 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 45245.
Review average rates in another zip code:
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45244 homeowners insurance rates

Home Replacement Cost Coverage in 45245

Average Building Cost Per Square Foot in 45245: $111

Location: Cincinnati, Ohio (Clermont County)

Average Square Footage in 45245: 1,719 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45245 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 45245 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 45245 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,719 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$111	1,719	$190,800
Additional Upgrades & Added Features	$139	1,719	$238,500
Major Home Updates or Advancements	$167	1,719	$286,200

Calculate Your Dwelling Coverage in 45245

It's important to understand that when you estimate your replacement cost of your home in the 45245 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 Home & Auto Insurance Agencies in 45245

Huelsman, Tom - Allstate

Address: 901 Ohio Pike #300 Cincinnati, OH 45245
Phone:
Website: http://www.allstateagencies.com/TomHuelsman/Welcome/
Info:

Hummel- David S

Address: 948 Cincinnati Batavia Pike Cincinnati, OH 45245
Phone:
Website:
Info:

Erie Insurance Group

Address: 3968 Benjamin Dr Cincinnati, OH 45245
Phone:
Website:
Info:

John Skidmore-Farmers Insurance

Address: 1085 Ohio Pike Cincinnati, OH 45245
Phone:
Website: http://www.farmersagent.com/jskidmore/
Info:

Charla K Hoernemann Agency - Nationwide Insurance

Address: 967 Ohio Pike Cincinnati, OH 45245
Phone:
Website: http://www.nationwide.com/agent/Cincinnati-OHIO-insurance-agent/hoernemannagency/office.html
Info:

Housing Demographics for 45245

Population Review for 45245 Zip Code

For the city of Cincinnati, the population within 45245 has increased to over 21,528 residents in population size. The current population total is 20,249. We have broken down the population based on race below. In 45245, there are over 9779 in male population and 10470 females.

Population	Values
Total Population	20,249
White Population	18101
Black Population	456
Hispanic Population	541
Asian Population	383
Hawaiian Population	4
Indian Population	35
Other Population	245
Male Population	9779
Female Population	10470
Population Estimate	21528

Household Data for 45245

The average number of homes in 45245 is around 8,824, there are an average of 2.27 per household. The average house value according to local real estate values is around $190,800. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	8,824
Persons Per Household	2.27
Average House Value	$190,800
Income Per Household	$65271
Median Age	43.4
Median Age Male	41.3
Median Age Female	45.3

45245 Details	Values
State	OH
State Full Name	Ohio
City Type	P
City Alias Abbreviation
Area Code	513
City	Cincinnati
City Alias Name	CINCINNATI
County	Clermont
County FIPS	025
State FIPS	39
Time Zone	5
Day Light Saving	Y
MSA	1642
PMSA	1640
CSA	178
CBSA	17140
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Cincinnati, OH-KY-IN
MSA_Name	Cincinnati-Hamilton, OH-KY-IN CMSA
PMSA_Name	Cincinnati, OH-KY-IN PMSA
Region	Midwest
Division	East North Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	573
Number Of Employees	11139
Business First Quarter Payroll	121106
Business Annual Payroll	508846
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	2130151
CBSA Division Population	0
Congressional District	02
Congressional LandArea	3221.62
Delivery Residential	9484
Delivery Business	638
Delivery Total	11248
Preferred Last Line Key	X20549
Classification Code
Multi-County
CSA Name	Cincinnati-Wilmington, OH-KY-IN
CBSA_DIV_Name
City State Key	X20549
Land Area	15.836000
Water Area	0.027000
City Alias Code
City Mixed Case	Cincinnati
City Alias Mixed Case	Cincinnati
Box Count	0
SFDU	5369
MFDU	2316
State ANSI	39
County ANSI	025
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	381603
Unique ZIP Name
SSA State County Code	36120
Medicare CBSA Code	17140
Medicare CBSA Name	Cincinnati, OH-KY-IN
Medicare CBSA Type	Metro
Market Rating Area ID	5
County Mixed Case	Clermont

Ohio Homeowners Insurance News & Information

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Home Insurance Quotes in 45245!