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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:
45419 homeowners insurance rates
45434 homeowners insurance rates
45406 homeowners insurance rates
45440 homeowners insurance rates
45417 homeowners insurance rates
45431 homeowners insurance rates
45459 homeowners insurance rates
45405 homeowners insurance rates
45414 homeowners insurance rates
45430 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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    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]