Get multiple home insurance quotes in 45616. Our licensed 45616, OH agents are ready to serve you.

Compare 45616 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Blue Creek just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 501 neighbors looking to save on their home insurance policy in the local 45616 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 45616. 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 Blue Creek, 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 Blue Creek, OH

45616 Home Insurance Average Premiums

Local 45616 homeowners insurance quotes comparison

$363 /yr.

Shows Zip Code: 45616 lowest rates with discounts applied on average.

For the 45616, 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)
$363 /yr.
Average Coverage:$613 /yr.
2600 sq. ft. or higher
(all discounts applied)
$913 /yr.

What is the average home insurance cost for a home in 45616?

  • • The average homeowners insurance premium paid annually for a home in 45616 is around $613 per year.

What does it cost on average per month for home insurance in 45616?

  • • Homeowners in 45616 pay a monthly average cost per month around $51.00.

What kind of discount could I get if I combine my home and auto insurance together in 45616?

  • • Autoowners in 45616 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 Blue Creek area, check out other zip codes nearby 45616.
Review average rates in another zip code:
45616 homeowners insurance rates

Home Replacement Cost Coverage in 45616

Average Building Cost Per Square Foot in 45616: $111

Location: Blue Creek, Ohio (Adams County)

Average Square Footage in 45616: 1,363 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45616 before you start any project. Blue Creek 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 45616 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 45616 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,363 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 Blue Creek 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$1111,363$151,300
Additional Upgrades & Added Features$1391,363$189,125
Major Home Updates or Advancements$1671,363$226,950

It's important to understand that when you estimate your replacement cost of your home in the 45616 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 45616

Best Home & Auto Insurance Agencies in 45616

Housing Demographics for 45616

Population Review for 45616 Zip Code

For the city of Blue Creek, the population within 45616 has increased to over 1,298 residents in population size. The current population total is 1,187. We have broken down the population based on race below. In 45616, there are over 600 in male population and 587 females.

PopulationValues
Total Population1,187
White Population1114
Black Population1
Hispanic Population4
Asian Population1
Hawaiian Population0
Indian Population2
Other Population15
Male Population600
Female Population587
Population Estimate1298

Household Data for 45616

The average number of homes in 45616 is around 501, there are an average of 2.37 per household. The average house value according to local real estate values is around $151,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode501
Persons Per Household2.37
Average House Value$151,300
Income Per Household$48875
Median Age47.8
Median Age Male45.7
Median Age Female49.8
45616 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code937/326
CityBlue Creek
City Alias NameBLUE CREEK
CountyAdams
County FIPS001
State FIPS39
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses9
Number Of Employees56
Business First Quarter Payroll499
Business Annual Payroll2460
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 District02
Congressional LandArea3221.62
Delivery Residential548
Delivery Business7
Delivery Total622
Preferred Last Line KeyX20278
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX20278
Land Area72.639000
Water Area0.033000
City Alias Code
City Mixed CaseBlue Creek
City Alias Mixed CaseBlue Creek
Box Count29
SFDU548
MFDU0
State ANSI39
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number380896
Unique ZIP Name
SSA State County Code36000
Medicare CBSA Code99936
Medicare CBSA NameRural Areas in OH
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseAdams

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 […]