Get multiple home insurance quotes in 45325. Our licensed 45325, OH agents are ready to serve you.

Compare 45325 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Farmersville just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 997 neighbors looking to save on their home insurance policy in the local 45325 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 45325. 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 Farmersville, 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 Farmersville, OH

45325 Home Insurance Average Premiums

Local 45325 homeowners insurance quotes comparison

$384 /yr.

Shows Zip Code: 45325 lowest rates with discounts applied on average.

For the 45325, 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)
$384 /yr.
Average Coverage:$634 /yr.
2600 sq. ft. or higher
(all discounts applied)
$934 /yr.

What is the average home insurance cost for a home in 45325?

  • • The average homeowners insurance premium paid annually for a home in 45325 is around $634 per year.

What does it cost on average per month for home insurance in 45325?

  • • Homeowners in 45325 pay a monthly average cost per month around $53.00.

What kind of discount could I get if I combine my home and auto insurance together in 45325?

  • • Autoowners in 45325 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 Farmersville area, check out other zip codes nearby 45325.
Review average rates in another zip code:
45325 homeowners insurance rates

Home Replacement Cost Coverage in 45325

Average Building Cost Per Square Foot in 45325: $111

Location: Farmersville, Ohio (Montgomery County)

Average Square Footage in 45325: 1,691 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45325 before you start any project. Farmersville 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 45325 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 45325 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,691 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 Farmersville 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$1111,691$187,700
Additional Upgrades & Added Features$1391,691$234,625
Major Home Updates or Advancements$1671,691$281,550

It's important to understand that when you estimate your replacement cost of your home in the 45325 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 45325

Best Home & Auto Insurance Agencies in 45325

Housing Demographics for 45325

Population Review for 45325 Zip Code

For the city of Farmersville, the population within 45325 has increased to over 2,657 residents in population size. The current population total is 2,558. We have broken down the population based on race below. In 45325, there are over 1316 in male population and 1242 females.

PopulationValues
Total Population2,558
White Population2407
Black Population15
Hispanic Population25
Asian Population8
Hawaiian Population1
Indian Population4
Other Population20
Male Population1316
Female Population1242
Population Estimate2657

Household Data for 45325

The average number of homes in 45325 is around 997, there are an average of 2.57 per household. The average house value according to local real estate values is around $187,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode997
Persons Per Household2.57
Average House Value$187,700
Income Per Household$73824
Median Age43.5
Median Age Male42.2
Median Age Female44.6
45325 DetailsValues
StateOH
State Full NameOhio
City TypeB
City Alias Abbreviation
Area Code937/326
CityFarmersville
City Alias NameFARMERSVILLE
CountyMontgomery
County FIPS113
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 Businesses40
Number Of Employees187
Business First Quarter Payroll1768
Business Annual Payroll7280
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 District08|10
Congressional LandArea2450.49|1129.76
Delivery Residential1034
Delivery Business38
Delivery Total4675
Preferred Last Line KeyX20994
Classification Code
Multi-CountyY
CSA NameDayton-Springfield-Kettering, OH
CBSA_DIV_Name
City State KeyX20994
Land Area25.738000
Water Area0.024000
City Alias Code
City Mixed CaseFarmersville
City Alias Mixed CaseFarmersville
Box Count1
SFDU1034
MFDU0
State ANSI39
County ANSI113
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number383017
Unique ZIP Name
SSA State County Code36580
Medicare CBSA Code19430
Medicare CBSA NameDayton-Kettering, OH
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseMontgomery

Ohio Homeowners Insurance News & Information

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    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 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • 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 […]