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Compare 45246 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Cincinnati just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 6,357 neighbors looking to save on their home insurance policy in the local 45246 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 45246. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Ohio rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Cincinnati, OH home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Cincinnati, OH

45246 Home Insurance Average Premiums

Local 45246 homeowners insurance quotes comparison

$357 /yr.

Shows Zip Code: 45246 lowest rates with discounts applied on average.

For the 45246, 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)
$357 /yr.
Average Coverage:$607 /yr.
2600 sq. ft. or higher
(all discounts applied)
$907 /yr.

What is the average home insurance cost for a home in 45246?

  • • The average homeowners insurance premium paid annually for a home in 45246 is around $607 per year.

What does it cost on average per month for home insurance in 45246?

  • • Homeowners in 45246 pay a monthly average cost per month around $51.00.

What kind of discount could I get if I combine my home and auto insurance together in 45246?

  • • Autoowners in 45246 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 45246.
Review average rates in another zip code:
45225 homeowners insurance rates
45247 homeowners insurance rates
45220 homeowners insurance rates
45236 homeowners insurance rates
45205 homeowners insurance rates
45230 homeowners insurance rates
45226 homeowners insurance rates
45232 homeowners insurance rates
45211 homeowners insurance rates
45214 homeowners insurance rates

Home Replacement Cost Coverage in 45246

Average Building Cost Per Square Foot in 45246: $111

Location: Cincinnati, Ohio (Hamilton County)

Average Square Footage in 45246: 1,350 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45246 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 45246 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 45246 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,350 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$1111,350$149,800
Additional Upgrades & Added Features$1391,350$187,250
Major Home Updates or Advancements$1671,350$224,700

It's important to understand that when you estimate your replacement cost of your home in the 45246 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 45246

Allstate Insurance - Margie Pearson

Address: 44 E Crescentville Cincinnati, OH 45246
Phone: (513)671-4865
Website:

Allstate Insurance - David Grant

Address: 1530 E Kemper Rd Suite 2 Cincinnati, OH 45246
Phone: (513)772-6402
Website:

Best Home & Auto Insurance Agencies in 45246

Debra F Napier-Rueger Lutcf - Nationwide Insurance

Address: 375 Glensprings Drive #154 Cincinnati, OH 45246
Phone:
Website: http://www.nationwide.com/agent/Cincinnati-OHIO-insurance-agent/debra-napier-rueger/office.html
Info:

Mark Rendleman-Farmers Insurance

Address: 260 Northland Boulevard #329 Cincinnati, OH 45246
Phone:
Website: http://www.farmersagent.com/mrendleman/
Info:

Allstate Insurance - David Grant

Address: 1530 E Kemper Rd, #2 Cincinnati, OH 45246
Phone:
Website:
Info:

Howard- Gary J - State Farm Insurance Agent

Address: 11538 Springfield Pike Springdale, OH 45246
Phone:
Website: http://www.garyjhoward.com
Info:

Lovitt Ii- Virgil G

Address: 11413 Chester Rd Cincinnati, OH 45246
Phone:
Website:
Info:

Housing Demographics for 45246

Population Review for 45246 Zip Code

For the city of Cincinnati, the population within 45246 has increased to over 15,694 residents in population size. The current population total is 15,249. We have broken down the population based on race below. In 45246, there are over 7275 in male population and 7974 females.

PopulationValues
Total Population15,249
White Population7105
Black Population4018
Hispanic Population3312
Asian Population448
Hawaiian Population22
Indian Population397
Other Population1942
Male Population7275
Female Population7974
Population Estimate15694

Household Data for 45246

The average number of homes in 45246 is around 6,357, there are an average of 2.37 per household. The average house value according to local real estate values is around $149,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,357
Persons Per Household2.37
Average House Value$149,800
Income Per Household$63571
Median Age39.2
Median Age Male35.9
Median Age Female42.6
45246 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 Businesses1132
Number Of Employees28613
Business First Quarter Payroll377419
Business Annual Payroll1605616
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|08
Congressional LandArea686.96|2450.49
Delivery Residential6622
Delivery Business1407
Delivery Total9926
Preferred Last Line KeyX20549
Classification Code
Multi-CountyY
CSA NameCincinnati-Wilmington, OH-KY-IN
CBSA_DIV_Name
City State KeyX20549
Land Area9.432000
Water Area0.011000
City Alias Code
City Mixed CaseCincinnati
City Alias Mixed CaseCincinnati
Box Count80
SFDU3947
MFDU1291
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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    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

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  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]