Homeowners Insurance in 45804

Getting the most affordable home insurance rates in 45804 just got easier for Lima, OH home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Lima. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Lima, OH Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 45804

When discussing Ohio homeowners insurance rates, Lima residents are finding new ways to save time and money by discovering lower rates when they shop online. Ohio may not be the cheapest state in the country to purchase homeowners insurance, but it does rank lower than average at a nationwide rank of 45. Residents that live within the 45804 zipcode are currently paying $644 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Lima does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

Average Building Cost Per Square Foot in 45804: $111

Average Square Footage in 45804: 614 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45804 before you start any project. Lima 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 45804 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 45804 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 614 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 Lima 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.

It's important to understand that when you estimate your replacement cost of your home in the 45804 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.

Winder, Philip - Philip Winder Agency

Stimmel, Doug - Eastside Insurance Agency, Incorporated

Household Data for 45804

The average number of homes in 45804 is around 6,207, there are an average of 2.31 per household. The average house value according to local real estate values is around $68,100. Please review the following demographics below for average income and media age.

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