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Compare 45895 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 45895 area? The average homeowners premium in Ohio for a standard homeowners policy is around $686/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 45895 zip code, the population size is around 17,974 with 7,277 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 45895.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Wapakoneta, OH Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. OH RateDiscountsSavingsShop Rates
$871up to 40% off$348

45895 Home Insurance Average Premiums

Local 45895 homeowners insurance quotes comparison

$436 /yr.

Shows Zip Code: 45895 lowest rates with discounts applied on average.

For the 45895, 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)
$436 /yr.
Average Coverage:$686 /yr.
2600 sq. ft. or higher
(all discounts applied)
$986 /yr.

What is the average home insurance cost for a home in 45895?

  • • The average homeowners insurance premium paid annually for a home in 45895 is around $686 per year.

What does it cost on average per month for home insurance in 45895?

  • • Homeowners in 45895 pay a monthly average cost per month around $57.00.

What kind of discount could I get if I combine my home and auto insurance together in 45895?

  • • Autoowners in 45895 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 Wapakoneta area, check out other zip codes nearby 45895.
Review average rates in another zip code:
45895 homeowners insurance rates

Home Replacement Cost Coverage in 45895

Average Building Cost Per Square Foot in 45895: $111

Location: Wapakoneta, Ohio (Auglaize County)

Average Square Footage in 45895: 1,307 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45895 before you start any project. Wapakoneta 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 45895 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 45895 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,307 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 Wapakoneta 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$1111,307$145,100
Additional Upgrades & Added Features$1391,307$181,375
Major Home Updates or Advancements$1671,307$217,650

It's important to understand that when you estimate your replacement cost of your home in the 45895 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 45895

Cornell & Finkelmeier Inc

Address: 2500 Shawnee Road Suite B P.O. Box 210 Wapakoneta, OH 45895
Phone: (419)991-2500
Website:

Best Home & Auto Insurance Agencies in 45895

Harrison Insurance Agency Inc

Address: 126 W Auglaize St Wapakoneta, OH 45895
Phone:
Website:
Info:

Koenig Insurance Agency Inc

Address: 804 County Road 25a Wapakoneta, OH 45895
Phone:
Website:
Info:

Cornell & Finkelmeier Inc

Address: 2500 Shawnee Road Suite B P.O. Box 210 Wapakoneta, OH 45895
Phone:
Website:
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American Family Insurance

Address: 13 W Auglaize St Wapakoneta, OH 45895
Phone:
Website:
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Farmers Insurance Group Mitchell Stratton

Address: Hardin Pike Rd Wapakoneta, OH 45895
Phone:
Website:
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Housing Demographics for 45895

Population Review for 45895 Zip Code

For the city of Wapakoneta, the population within 45895 has increased to over 18,387 residents in population size. The current population total is 17,974. We have broken down the population based on race below. In 45895, there are over 8908 in male population and 9066 females.

PopulationValues
Total Population17,974
White Population16967
Black Population89
Hispanic Population324
Asian Population67
Hawaiian Population5
Indian Population39
Other Population111
Male Population8908
Female Population9066
Population Estimate18387

Household Data for 45895

The average number of homes in 45895 is around 7,277, there are an average of 2.45 per household. The average house value according to local real estate values is around $145,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,277
Persons Per Household2.45
Average House Value$145,100
Income Per Household$66227
Median Age42.3
Median Age Male41.4
Median Age Female43.3
45895 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code419/567
CityWapakoneta
City Alias NameWAPAKONETA
CountyAuglaize
County FIPS011
State FIPS39
Time Zone5
Day Light SavingY
MSA4320
PMSA
CSA338
CBSA47540
CBSA_DIV
CBSA_TypeMicro
CBSA_NameWapakoneta, OH
MSA_NameLima, OH MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses383
Number Of Employees4979
Business First Quarter Payroll41852
Business Annual Payroll192232
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population45949
CBSA Division Population0
Congressional District04
Congressional LandArea4664.87
Delivery Residential7505
Delivery Business386
Delivery Total8144
Preferred Last Line KeyX23241
Classification Code
Multi-CountyY
CSA NameLima-Van Wert-Celina, OH
CBSA_DIV_Name
City State KeyX23241
Land Area187.000000
Water Area0.241000
City Alias Code
City Mixed CaseWapakoneta
City Alias Mixed CaseWapakoneta
Box Count103
SFDU6713
MFDU242
State ANSI39
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number388617
Unique ZIP Name
SSA State County Code36050
Medicare CBSA Code99936
Medicare CBSA NameRural Areas in OH
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseAuglaize

Ohio Homeowners Insurance News & Information

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 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 […]