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Compare 45410 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Dayton just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 6,945 neighbors looking to save on their home insurance policy in the local 45410 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 45410. 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 Dayton, 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 Dayton, OH

45410 Home Insurance Average Premiums

Local 45410 homeowners insurance quotes comparison

$398 /yr.

Shows Zip Code: 45410 lowest rates with discounts applied on average.

For the 45410, 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)		$398 /yr.
Average Coverage:$648 /yr.
2600 sq. ft. or higher
(all discounts applied)		$948 /yr.

What is the average home insurance cost for a home in 45410?

  • • The average homeowners insurance premium paid annually for a home in 45410 is around $648 per year.

What does it cost on average per month for home insurance in 45410?

  • • Homeowners in 45410 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 45410?

  • • Autoowners in 45410 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 Dayton area, check out other zip codes nearby 45410.
Review average rates in another zip code:
45433 homeowners insurance rates
45406 homeowners insurance rates
45404 homeowners insurance rates
45420 homeowners insurance rates
45431 homeowners insurance rates
45449 homeowners insurance rates
45458 homeowners insurance rates
45414 homeowners insurance rates
45405 homeowners insurance rates
45415 homeowners insurance rates

Home Replacement Cost Coverage in 45410

Average Building Cost Per Square Foot in 45410: $111

Location: Dayton, Ohio (Montgomery County)

Average Square Footage in 45410: 665 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45410 before you start any project. Dayton 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 45410 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 45410 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 665 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 Dayton 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$111665$73,800
Additional Upgrades & Added Features$139665$92,250
Major Home Updates or Advancements$167665$110,700

It's important to understand that when you estimate your replacement cost of your home in the 45410 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 45410

Best Home & Auto Insurance Agencies in 45410

American Family Insurance - M Joyce Fullen

Address: 3435 Linden Ave Dayton, OH 45410
Phone:
Website: http://www.insurance-agency.amfam.com/oh/mjoyce-fullen/default.aspx?sourceid=yp3
Info:

Housing Demographics for 45410

Population Review for 45410 Zip Code

For the city of Dayton, the population within 45410 has increased to over 16,638 residents in population size. The current population total is 15,758. We have broken down the population based on race below. In 45410, there are over 8108 in male population and 7650 females.

PopulationValues
Total Population15,758
White Population11069
Black Population2037
Hispanic Population1445
Asian Population314
Hawaiian Population14
Indian Population83
Other Population881
Male Population8108
Female Population7650
Population Estimate16638

Household Data for 45410

The average number of homes in 45410 is around 6,945, there are an average of 2.25 per household. The average house value according to local real estate values is around $73,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,945
Persons Per Household2.25
Average House Value$73,800
Income Per Household$39018
Median Age34.4
Median Age Male34.2
Median Age Female34.6
45410 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code937
CityDayton
City Alias NameDAYTON
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 Businesses159
Number Of Employees1798
Business First Quarter Payroll13594
Business Annual Payroll57068
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 District10
Congressional LandArea1129.76
Delivery Residential7395
Delivery Business228
Delivery Total7669
Preferred Last Line KeyX20776
Classification Code
Multi-County
CSA NameDayton-Springfield-Kettering, OH
CBSA_DIV_Name
City State KeyX20776
Land Area2.407000
Water Area0.000000
City Alias Code
City Mixed CaseDayton
City Alias Mixed CaseDayton
Box Count0
SFDU6353
MFDU1042
State ANSI39
County ANSI113
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number382093
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

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    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]