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Home Insurance Quotes in 45648

Are you shopping for a cheaper homeowners insurance rate in 45648? Our rates are very competitive for homeowners living in Lucasville, OH. Many homeowners located in the 45648 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our Ohio licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 45648. To get free 45648 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 45648 zip code should appear in the zip code field ready to go. Shopping Lucasville, OH Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 45648 to review the best rate coverages.

Your 45648 Home Insurance Costs Is Rated: Very Low!

For the great city of Lucasville, the average home insurance premium paid annually is around $655 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Ohio specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Lucasville and need insurance on your home in the 45648 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

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45648 Home Insurance Average Premiums

Local 45648 homeowners insurance quotes comparison

$405 /yr.

Shows Zip Code: 45648 lowest rates with discounts applied on average.

For the 45648, 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)
$405 /yr.
Average Coverage:$655 /yr.
2600 sq. ft. or higher
(all discounts applied)
$955 /yr.

What is the average home insurance cost for a home in 45648?

  • • The average homeowners insurance premium paid annually for a home in 45648 is around $655 per year.

What does it cost on average per month for home insurance in 45648?

  • • Homeowners in 45648 pay a monthly average cost per month around $55.00.

What kind of discount could I get if I combine my home and auto insurance together in 45648?

  • • Autoowners in 45648 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 Lucasville area, check out other zip codes nearby 45648.
Review average rates in another zip code:
45648 homeowners insurance rates

Home Replacement Cost Coverage in 45648

Average Building Cost Per Square Foot in 45648: $111

Location: Lucasville, Ohio (Scioto County)

Average Square Footage in 45648: 1,091 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45648 before you start any project. Lucasville 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 45648 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 45648 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,091 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 Lucasville 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$1111,091$121,100
Additional Upgrades & Added Features$1391,091$151,375
Major Home Updates or Advancements$1671,091$181,650

It's important to understand that when you estimate your replacement cost of your home in the 45648 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 45648

Best Home & Auto Insurance Agencies in 45648

Housing Demographics for 45648

Population Review for 45648 Zip Code

For the city of Lucasville, the population within 45648 has increased to over 11,428 residents in population size. The current population total is 11,211. We have broken down the population based on race below. In 45648, there are over 5519 in male population and 5692 females.

PopulationValues
Total Population11,211
White Population10693
Black Population28
Hispanic Population68
Asian Population21
Hawaiian Population0
Indian Population43
Other Population46
Male Population5519
Female Population5692
Population Estimate11428

Household Data for 45648

The average number of homes in 45648 is around 4,401, there are an average of 2.51 per household. The average house value according to local real estate values is around $121,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,401
Persons Per Household2.51
Average House Value$121,100
Income Per Household$53566
Median Age43.6
Median Age Male43.3
Median Age Female43.8
45648 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code740
CityLucasville
City Alias NameLUCASVILLE
CountyScioto
County FIPS145
State FIPS39
Time Zone5
Day Light SavingY
MSA
PMSA
CSA170
CBSA39020
CBSA_DIV
CBSA_TypeMicro
CBSA_NamePortsmouth, OH
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses102
Number Of Employees1162
Business First Quarter Payroll9318
Business Annual Payroll38618
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population79499
CBSA Division Population0
Congressional District02
Congressional LandArea3221.62
Delivery Residential4553
Delivery Business80
Delivery Total5119
Preferred Last Line KeyX21689
Classification Code
Multi-CountyY
CSA NameCharleston-Huntington-Ashland, WV-OH-KY
CBSA_DIV_Name
City State KeyX21689
Land Area139.460000
Water Area1.373000
City Alias Code
City Mixed CaseLucasville
City Alias Mixed CaseLucasville
Box Count400
SFDU4389
MFDU0
State ANSI39
County ANSI145
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number384655
Unique ZIP Name
SSA State County Code36740
Medicare CBSA Code99936
Medicare CBSA NameRural Areas in OH
Medicare CBSA TypeMicro
Market Rating Area ID10
County Mixed CaseScioto

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