Get multiple home insurance quotes in 45680. Our licensed 45680, OH agents are ready to serve you.

Check Out 45680 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in South Point, OH.

We will gather some basic information about your home in South Point, OH and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Ohio licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 45680 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 45680

We have pulled together a variety of data related to homeowners insurance in Ohio. Simply click on one of the links below to learn about the average cost of homeowners insurance in Ohio as well as local coverage options.

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

45680 Homeowners Insurance Rates, Average Rating: very low!

Homeowners insurance policies in 45680 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Ohio is roughly $659. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 45680 homeowners insurance policy!

45680 Home Insurance Average Premiums

Local 45680 homeowners insurance quotes comparison

$409 /yr.

Shows Zip Code: 45680 lowest rates with discounts applied on average.

For the 45680, 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)
$409 /yr.
Average Coverage:$659 /yr.
2600 sq. ft. or higher
(all discounts applied)
$959 /yr.

What is the average home insurance cost for a home in 45680?

  • • The average homeowners insurance premium paid annually for a home in 45680 is around $659 per year.

What does it cost on average per month for home insurance in 45680?

  • • Homeowners in 45680 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 45680?

  • • Autoowners in 45680 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 South Point area, check out other zip codes nearby 45680.
Review average rates in another zip code:
45680 homeowners insurance rates

Home Replacement Cost Coverage in 45680

Average Building Cost Per Square Foot in 45680: $111

Location: South Point, Ohio (Lawrence County)

Average Square Footage in 45680: 1,098 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45680 before you start any project. South Point 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 45680 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 45680 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,098 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 South Point 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$1111,098$121,900
Additional Upgrades & Added Features$1391,098$152,375
Major Home Updates or Advancements$1671,098$182,850

It's important to understand that when you estimate your replacement cost of your home in the 45680 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 45680

Best Home & Auto Insurance Agencies in 45680

Jim Weber Insurance Agency Inc - State Farm Insurance Agent

Address: 208 Solida Rd South Point, OH 45680
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 45680

Population Review for 45680 Zip Code

For the city of South Point, the population within 45680 has increased to over 13,322 residents in population size. The current population total is 12,326. We have broken down the population based on race below. In 45680, there are over 5897 in male population and 6429 females.

PopulationValues
Total Population12,326
White Population11146
Black Population451
Hispanic Population170
Asian Population27
Hawaiian Population0
Indian Population28
Other Population70
Male Population5897
Female Population6429
Population Estimate13322

Household Data for 45680

The average number of homes in 45680 is around 5,075, there are an average of 2.41 per household. The average house value according to local real estate values is around $121,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,075
Persons Per Household2.41
Average House Value$121,900
Income Per Household$43070
Median Age42.8
Median Age Male40.2
Median Age Female45.3
45680 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code740
CitySouth Point
City Alias NameSOUTH POINT
CountyLawrence
County FIPS087
State FIPS39
Time Zone5
Day Light SavingY
MSA3400
PMSA
CSA170
CBSA26580
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHuntington-Ashland, WV-KY-OH
MSA_NameHuntington-Ashland, WV-KY-OH MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses199
Number Of Employees3250
Business First Quarter Payroll30833
Business Annual Payroll132262
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population287702
CBSA Division Population0
Congressional District02
Congressional LandArea3221.62
Delivery Residential5528
Delivery Business229
Delivery Total6137
Preferred Last Line KeyX22857
Classification Code
Multi-County
CSA NameCharleston-Huntington-Ashland, WV-OH-KY
CBSA_DIV_Name
City State KeyX22857
Land Area34.574000
Water Area0.490000
City Alias Code
City Mixed CaseSouth Point
City Alias Mixed CaseSouth Point
Box Count323
SFDU4992
MFDU43
State ANSI39
County ANSI087
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number387784
Unique ZIP Name
SSA State County Code36450
Medicare CBSA Code26580
Medicare CBSA NameHuntington-Ashland, WV-KY-OH
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseLawrence

Ohio Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $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 […]