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45415, OH Home Insurance

In the zip code of 45415, the population size is around 12,811, which consists of 5,391 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Dayton, OH. A few years ago, a study was done and found that the average home insurance rates for Ohio are around $642 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 45415 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Dayton. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Dayton, OH Homeowners Insurance Online Rates Today!

45415 Home Insurance Average Premiums

Local 45415 homeowners insurance quotes comparison

$392 /yr.

Shows Zip Code: 45415 lowest rates with discounts applied on average.

For the 45415, 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)		$392 /yr.
Average Coverage:$642 /yr.
2600 sq. ft. or higher
(all discounts applied)		$942 /yr.

What is the average home insurance cost for a home in 45415?

  • • The average homeowners insurance premium paid annually for a home in 45415 is around $642 per year.

What does it cost on average per month for home insurance in 45415?

  • • Homeowners in 45415 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 45415?

  • • Autoowners in 45415 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 45415.
Review average rates in another zip code:
45430 homeowners insurance rates
45431 homeowners insurance rates
45459 homeowners insurance rates
45439 homeowners insurance rates
45415 homeowners insurance rates
45432 homeowners insurance rates
45414 homeowners insurance rates
45416 homeowners insurance rates
45410 homeowners insurance rates
45419 homeowners insurance rates

Home Replacement Cost Coverage in 45415

Average Building Cost Per Square Foot in 45415: $111

Location: Dayton, Ohio (Montgomery County)

Average Square Footage in 45415: 1,223 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45415 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 45415 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 45415 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,223 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$1111,223$135,700
Additional Upgrades & Added Features$1391,223$169,625
Major Home Updates or Advancements$1671,223$203,550

It's important to understand that when you estimate your replacement cost of your home in the 45415 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 45415

A-Area Auto Insurance Agency

Address: 5417 North Main Street Dayton, OH 45415
Phone: (937)274-7767
Website:

Best Home & Auto Insurance Agencies in 45415

Houghton Financial Inc

Address: 7108 N Main St Dayton, OH 45415
Phone:
Website:
Info:

A-Area Auto Insurance Agency

Address: 5417 N Main St Dayton, OH 45415
Phone:
Website:
Info:

McDermott- Douglas R

Address: 8801 N Main St, #201 Dayton, OH 45415
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Housing Demographics for 45415

Population Review for 45415 Zip Code

For the city of Dayton, the population within 45415 has increased to over 12,815 residents in population size. The current population total is 12,811. We have broken down the population based on race below. In 45415, there are over 6083 in male population and 6728 females.

PopulationValues
Total Population12,811
White Population7069
Black Population4647
Hispanic Population292
Asian Population180
Hawaiian Population6
Indian Population31
Other Population148
Male Population6083
Female Population6728
Population Estimate12815

Household Data for 45415

The average number of homes in 45415 is around 5,391, there are an average of 2.32 per household. The average house value according to local real estate values is around $135,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,391
Persons Per Household2.32
Average House Value$135,700
Income Per Household$65948
Median Age46.4
Median Age Male44.7
Median Age Female47.5
45415 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 Businesses289
Number Of Employees4562
Business First Quarter Payroll49244
Business Annual Payroll219246
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 Residential5524
Delivery Business330
Delivery Total6809
Preferred Last Line KeyX20776
Classification Code
Multi-County
CSA NameDayton-Springfield-Kettering, OH
CBSA_DIV_Name
City State KeyX20776
Land Area6.008000
Water Area0.086000
City Alias Code
City Mixed CaseDayton
City Alias Mixed CaseDayton
Box Count0
SFDU4336
MFDU836
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

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