45420 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 45420 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Dayton, OH quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 45420.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 45420 and start shopping.

Quickly and Easily Compare Average Rates for 45420

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Dayton, OH home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 45420

Homeowners in Dayton are paying roughly $676 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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45420 Home Insurance Average Premiums

Local 45420 homeowners insurance quotes comparison

$426 /yr.

Shows Zip Code: 45420 lowest rates with discounts applied on average.

For the 45420, 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)	$426 /yr.
Average Coverage:	$676 /yr.
2600 sq. ft. or higher (all discounts applied)	$976 /yr.

What is the average home insurance cost for a home in 45420?

• The average homeowners insurance premium paid annually for a home in 45420 is around $676 per year.

What does it cost on average per month for home insurance in 45420?

• Homeowners in 45420 pay a monthly average cost per month around $56.00.

What kind of discount could I get if I combine my home and auto insurance together in 45420?

• Autoowners in 45420 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 45420.
Review average rates in another zip code:
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45414 homeowners insurance rates

Home Replacement Cost Coverage in 45420

Average Building Cost Per Square Foot in 45420: $111

Location: Dayton, Ohio (Montgomery County)

Average Square Footage in 45420: 819 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45420 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 45420 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 45420 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 819 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$111	819	$90,900
Additional Upgrades & Added Features	$139	819	$113,625
Major Home Updates or Advancements	$167	819	$136,350

Calculate Your Dwelling Coverage in 45420

It's important to understand that when you estimate your replacement cost of your home in the 45420 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 Home & Auto Insurance Agencies in 45420

Nervis- Linda L

Address: 2422 E Dorothy Ln Dayton, OH 45420
Phone:
Website: http://www.lindanervis.com
Info:

Davis- Jeffrey W

Address: 2208 Woodman Dr Kettering, OH 45420
Phone:
Website:
Info:

American Financial Planners Insurance

Address: 2142 S Smithville Rd Dayton, OH 45420
Phone:
Website:
Info:

Murphy & Associates Insurance Agency Inc - Dayton-South- East

Address: 2412 S Smithville Rd Dayton, OH 45420
Phone:
Website: http://www.dayton.auto-car-insurance-quote.com
Info:

Housing Demographics for 45420

Population Review for 45420 Zip Code

For the city of Dayton, the population within 45420 has increased to over 26,443 residents in population size. The current population total is 25,045. We have broken down the population based on race below. In 45420, there are over 12361 in male population and 12684 females.

Population	Values
Total Population	25,045
White Population	20655
Black Population	1575
Hispanic Population	980
Asian Population	509
Hawaiian Population	25
Indian Population	75
Other Population	403
Male Population	12361
Female Population	12684
Population Estimate	26443

Household Data for 45420

The average number of homes in 45420 is around 11,898, there are an average of 2.10 per household. The average house value according to local real estate values is around $90,900. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	11,898
Persons Per Household	2.10
Average House Value	$90,900
Income Per Household	$50835
Median Age	38.4
Median Age Male	37.2
Median Age Female	39.6

45420 Details	Values
State	OH
State Full Name	Ohio
City Type	P
City Alias Abbreviation
Area Code	937
City	Dayton
City Alias Name	DAYTON
County	Montgomery
County FIPS	113
State FIPS	39
Time Zone	5
Day Light Saving	Y
MSA	2000
PMSA
CSA	212
CBSA	19430
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Dayton-Kettering-Beavercreek, OH
MSA_Name	Dayton-Springfield, OH MSA
PMSA_Name
Region	Midwest
Division	East North Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	335
Number Of Employees	6943
Business First Quarter Payroll	92255
Business Annual Payroll	374731
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	0
CBSA Division Population	0
Congressional District	10
Congressional LandArea	1129.76
Delivery Residential	12592
Delivery Business	507
Delivery Total	13351
Preferred Last Line Key	X20776
Classification Code
Multi-County
CSA Name	Dayton-Springfield-Kettering, OH
CBSA_DIV_Name
City State Key	X20776
Land Area	6.444000
Water Area	0.024000
City Alias Code
City Mixed Case	Dayton
City Alias Mixed Case	Dayton
Box Count	116
SFDU	10378
MFDU	1962
State ANSI	39
County ANSI	113
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	382093
Unique ZIP Name
SSA State County Code	36580
Medicare CBSA Code	19430
Medicare CBSA Name	Dayton-Kettering, OH
Medicare CBSA Type	Metro
Market Rating Area ID	3
County Mixed Case	Montgomery

Ohio Homeowners Insurance News & Information

2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
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 […]

Home Insurance Quotes in 45420!