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45255 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 45255 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Cincinnati, OH quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 45255.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 45255 and start shopping.

Quickly and Easily Compare Average Rates for 45255

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Cincinnati, OH home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 45255

Homeowners in Cincinnati are paying roughly $628 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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45255 Home Insurance Average Premiums

Local 45255 homeowners insurance quotes comparison

$378 /yr.

Shows Zip Code: 45255 lowest rates with discounts applied on average.

For the 45255, 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)
$378 /yr.
Average Coverage:$628 /yr.
2600 sq. ft. or higher
(all discounts applied)
$928 /yr.

What is the average home insurance cost for a home in 45255?

  • • The average homeowners insurance premium paid annually for a home in 45255 is around $628 per year.

What does it cost on average per month for home insurance in 45255?

  • • Homeowners in 45255 pay a monthly average cost per month around $52.00.

What kind of discount could I get if I combine my home and auto insurance together in 45255?

  • • Autoowners in 45255 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 45255.
Review average rates in another zip code:
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45224 homeowners insurance rates

Home Replacement Cost Coverage in 45255

Average Building Cost Per Square Foot in 45255: $111

Location: Cincinnati, Ohio (Hamilton County)

Average Square Footage in 45255: 2,094 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45255 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 45255 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 45255 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,094 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$1112,094$232,400
Additional Upgrades & Added Features$1392,094$290,500
Major Home Updates or Advancements$1672,094$348,600

It's important to understand that when you estimate your replacement cost of your home in the 45255 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 45255

Best Home & Auto Insurance Agencies in 45255

All Risk Agencies Shannon Ely AGT

Address: 7801 Beechmont Ave Cincinnati, OH 45255
Phone:
Website:
Info:

Kevin L Sullivan Inc - Nationwide Insurance

Address: 8006 Beechmont Ave Cincinnati, OH 45255
Phone:
Website: http://www.nationwide.com/agent/Cincinnati-OHIO-insurance-agent/kevin-sullivan/office.html
Info:

Haupert- Wayne M - State Farm Insurance Agent

Address: 8439 Beechmont Ave Cincinnati, OH 45255
Phone:
Website:
Info:

Allstate Insurance Company - Chris Heiny

Address: 454 Ohio Pike #22 Cincinnati, OH 45255
Phone:
Website: http://www.allstateagencies.com/047306?cid=OTC-YP.com-IYP&att=TL
Info:

David C Doyle Agency - Nationwide Insurance

Address: 550 Ohio Pike, Ste C Cincinnati, OH 45255
Phone:
Website: http://www.nationwide.com/agent/Cincinnati-OHIO-insurance-agent/david-doyle-1/office.html
Info:

Housing Demographics for 45255

Population Review for 45255 Zip Code

For the city of Cincinnati, the population within 45255 has increased to over 23,152 residents in population size. The current population total is 22,069. We have broken down the population based on race below. In 45255, there are over 10641 in male population and 11428 females.

PopulationValues
Total Population22,069
White Population19575
Black Population502
Hispanic Population631
Asian Population560
Hawaiian Population15
Indian Population35
Other Population215
Male Population10641
Female Population11428
Population Estimate23152

Household Data for 45255

The average number of homes in 45255 is around 9,114, there are an average of 2.41 per household. The average house value according to local real estate values is around $232,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,114
Persons Per Household2.41
Average House Value$232,400
Income Per Household$74940
Median Age41.6
Median Age Male39.8
Median Age Female43.5
45255 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 Businesses569
Number Of Employees7971
Business First Quarter Payroll72761
Business Annual Payroll320044
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|02
Congressional LandArea686.96|3221.62
Delivery Residential9607
Delivery Business667
Delivery Total10232
Preferred Last Line KeyX20549
Classification Code
Multi-CountyY
CSA NameCincinnati-Wilmington, OH-KY-IN
CBSA_DIV_Name
City State KeyX20549
Land Area12.946000
Water Area0.191000
City Alias Code
City Mixed CaseCincinnati
City Alias Mixed CaseCincinnati
Box Count0
SFDU6194
MFDU1487
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 […]