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45710 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 45710? There are over 2,316 occupied homes in the 45710 area. With a population size of 5,547, it's not uncommon for residence of Albany, OH to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Ohio is around $674 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 45710 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Albany, OH Home Insurance Rate Quotes

45710 Home Insurance Average Premiums

Local 45710 homeowners insurance quotes comparison

$424 /yr.

Shows Zip Code: 45710 lowest rates with discounts applied on average.

For the 45710, 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)		$424 /yr.
Average Coverage:$674 /yr.
2600 sq. ft. or higher
(all discounts applied)		$974 /yr.

What is the average home insurance cost for a home in 45710?

  • • The average homeowners insurance premium paid annually for a home in 45710 is around $674 per year.

What does it cost on average per month for home insurance in 45710?

  • • Homeowners in 45710 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 45710?

  • • Autoowners in 45710 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 Albany area, check out other zip codes nearby 45710.
Review average rates in another zip code:
45710 homeowners insurance rates

Home Replacement Cost Coverage in 45710

Average Building Cost Per Square Foot in 45710: $111

Location: Albany, Ohio (Athens County)

Average Square Footage in 45710: 1,284 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45710 before you start any project. Albany 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 45710 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 45710 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,284 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 Albany 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$1111,284$142,500
Additional Upgrades & Added Features$1391,284$178,125
Major Home Updates or Advancements$1671,284$213,750

It's important to understand that when you estimate your replacement cost of your home in the 45710 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 45710

Best Home & Auto Insurance Agencies in 45710

Housing Demographics for 45710

Population Review for 45710 Zip Code

For the city of Albany, the population within 45710 has increased to over 5,745 residents in population size. The current population total is 5,547. We have broken down the population based on race below. In 45710, there are over 2729 in male population and 2818 females.

PopulationValues
Total Population5,547
White Population5286
Black Population19
Hispanic Population48
Asian Population16
Hawaiian Population0
Indian Population22
Other Population43
Male Population2729
Female Population2818
Population Estimate5745

Household Data for 45710

The average number of homes in 45710 is around 2,316, there are an average of 2.40 per household. The average house value according to local real estate values is around $142,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,316
Persons Per Household2.40
Average House Value$142,500
Income Per Household$65104
Median Age43.2
Median Age Male41.4
Median Age Female45.0
45710 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code740
CityAlbany
City Alias NameALBANY
CountyAthens
County FIPS009
State FIPS39
Time Zone5
Day Light SavingY
MSA
PMSA
CSA198
CBSA11900
CBSA_DIV
CBSA_TypeMicro
CBSA_NameAthens, OH
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses68
Number Of Employees420
Business First Quarter Payroll3267
Business Annual Payroll12301
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population64757
CBSA Division Population0
Congressional District02|12
Congressional LandArea3221.62|2271.91
Delivery Residential2394
Delivery Business71
Delivery Total4495
Preferred Last Line KeyX20041
Classification Code
Multi-CountyY
CSA NameColumbus-Marion-Zanesville, OH
CBSA_DIV_Name
City State KeyX20041
Land Area97.165000
Water Area0.318000
City Alias Code
City Mixed CaseAlbany
City Alias Mixed CaseAlbany
Box Count115
SFDU2336
MFDU0
State ANSI39
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number380091
Unique ZIP Name
SSA State County Code36040
Medicare CBSA Code99936
Medicare CBSA NameRural Areas in OH
Medicare CBSA TypeMicro
Market Rating Area ID17
County Mixed CaseAthens

Ohio Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]