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Home Insurance Quotes in 45317

Are you shopping for a cheaper homeowners insurance rate in 45317? Our rates are very competitive for homeowners living in Conover, OH. Many homeowners located in the 45317 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our Ohio licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 45317. To get free 45317 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 45317 zip code should appear in the zip code field ready to go. Shopping Conover, OH Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 45317 to review the best rate coverages.

Your 45317 Home Insurance Costs Is Rated: Very Low!

For the great city of Conover, the average home insurance premium paid annually is around $687 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Ohio specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Conover and need insurance on your home in the 45317 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 45317 Homeowners Insurance Rates Now!

45317 Home Insurance Average Premiums

Local 45317 homeowners insurance quotes comparison

$437 /yr.

Shows Zip Code: 45317 lowest rates with discounts applied on average.

For the 45317, 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)
$437 /yr.
Average Coverage:$687 /yr.
2600 sq. ft. or higher
(all discounts applied)
$987 /yr.

What is the average home insurance cost for a home in 45317?

  • • The average homeowners insurance premium paid annually for a home in 45317 is around $687 per year.

What does it cost on average per month for home insurance in 45317?

  • • Homeowners in 45317 pay a monthly average cost per month around $57.00.

What kind of discount could I get if I combine my home and auto insurance together in 45317?

  • • Autoowners in 45317 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 Conover area, check out other zip codes nearby 45317.
Review average rates in another zip code:
45317 homeowners insurance rates

Home Replacement Cost Coverage in 45317

Average Building Cost Per Square Foot in 45317: $111

Location: Conover, Ohio (Miami County)

Average Square Footage in 45317: 1,526 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45317 before you start any project. Conover 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 45317 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 45317 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,526 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 Conover 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$1111,526$169,400
Additional Upgrades & Added Features$1391,526$211,750
Major Home Updates or Advancements$1671,526$254,100

It's important to understand that when you estimate your replacement cost of your home in the 45317 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 45317

Craft-Middleton Insurance Agency

Address: 8683 Casstown Sidney Road Conover, OH 45317
Phone: (937)778-0780
Website:

Best Home & Auto Insurance Agencies in 45317

Craft-Middleton Insurance Agency

Address: 8683 Casstown Sidney Road Conover, OH 45317
Phone:
Website:
Info:

Housing Demographics for 45317

Population Review for 45317 Zip Code

For the city of Conover, the population within 45317 has increased to over 1,010 residents in population size. The current population total is 1,018. We have broken down the population based on race below. In 45317, there are over 525 in male population and 493 females.

PopulationValues
Total Population1,018
White Population960
Black Population4
Hispanic Population19
Asian Population0
Hawaiian Population0
Indian Population5
Other Population5
Male Population525
Female Population493
Population Estimate1010

Household Data for 45317

The average number of homes in 45317 is around 404, there are an average of 2.52 per household. The average house value according to local real estate values is around $169,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode404
Persons Per Household2.52
Average House Value$169,400
Income Per Household$100266
Median Age41.3
Median Age Male39.5
Median Age Female44.9
45317 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code937
CityConover
City Alias NameCONOVER
CountyMiami
County FIPS109
State FIPS39
Time Zone5
Day Light SavingY
MSA2000
PMSA
CSA212
CBSA19430
CBSA_DIV
CBSA_TypeMetro
CBSA_NameDayton-Kettering-Beavercreek, OH
MSA_NameDayton-Springfield, OH MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses7
Number Of Employees65
Business First Quarter Payroll434
Business Annual Payroll2001
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District04|15
Congressional LandArea4664.87|4738.93
Delivery Residential401
Delivery Business5
Delivery Total448
Preferred Last Line KeyX20663
Classification Code
Multi-CountyY
CSA NameDayton-Springfield-Kettering, OH
CBSA_DIV_Name
City State KeyX20663
Land Area21.567000
Water Area0.002000
City Alias Code
City Mixed CaseConover
City Alias Mixed CaseConover
Box Count37
SFDU401
MFDU0
State ANSI39
County ANSI109
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number381855
Unique ZIP Name
SSA State County Code36560
Medicare CBSA Code19430
Medicare CBSA NameDayton-Kettering, OH
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseMiami

Ohio Homeowners Insurance News & Information

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • 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 […]